Much cheaper to have an AR account at Lowes,
Charge BP Bed and Bath, even Amazon they have many gift cards for purchase
Buy a $500.00 HIK card at OD no fee and pay the AR at Lowe's off
I have been buying $500 HI cards, and no problem, no fee 5X with Ink.
Lowe's sells far more than Gift Cards, and the AR card gives you 5% off all purchases, except GC.
OD $500 cash for a GC, never fly.