Ordered 4 x $500 GC using Amex Business Rewards - used free card fee code and have a couple days left on free Premium shipping trial. Order went through right away. Few minutes later received email that order is processing.

About 1 hour later received TCB "update" which had already tracked the purchase at $2000 - $15.80 (3.95 fee x 4) = $1984.20 x 2% = $39.68. So while you dont pay the fee, TCB "assumes" you have, and deducts from purchase price.

About 1 hour after that, received "your order has been approved" email from Amex.

While TCB does take 14 weeks, I have found them very reliable in both US and UK in paying out.