I think that is because the pack of gum is the first use of card, hence "pack of gum."

And the only problemo with the Citigold is - that particular account isn't for everyone. To the best of my knowledge it carries a $30/month service fee. Fee may be waived for first 2 months (I'm just reading over the terms quickly, mind you). One must keep like - $50grand in the account to avoid the fees. If you don't have that kind of money, then it isn't such a simple deal. Keeping the account for 10 months will cost you $300 to get those $400 worth of gift cards.

"No fancy lingo or terms to figure out."

ALWAYS read the terms and conditions - that's my story and I'm stickin' to it!!!!!!!!!!!!!!!!!