I bought one of these cards for my mom last Christmas. I like the convenience of it, that it can be used pretty much anywhere like a regular Visa card. My only problem with it was that it had a fee for the inital use, which I thought was ridiculous but I stuck it out. The other problem I had with it was that there was a fee to call and check your balance. So I just made sure my mom kept track of her spending, so she wouldn't have to spend an additional amount to check her balance. It's a great card when you don't know what to get someone!