I think it will be a nice addition to the tool box. Being able to load with a credit card is valuable to help meet spend requirements, so for that alone it is helpful. Also helpful to consolidate multiple smaller visa/ mc or Amex gift cards into one usable card. Load and balance limits inhibit this card, but still a good card to add to the mix. Just got my 2nd card which is the max for this card. Just to answer the question before it is asked, Target gift cards can no longer be used to load this card.