These are the PayPower reloadable Visas. They normally cost $3.95 but are ringing up with no fee and are giving 4x gas points (related to the current 4x gas points on store gift cards). They have a monthly fee of $5.95 which is charged 5-7 days after your purchase. If you spend the $500 prior to the fee, then there is no fee. In my experience, they can be used anywhere normal Visa GC’s can be used (WM money orders, Bluebird, Evolve, etc.). Once I was told I couldn’t use a gift card to buy a money order, so I turned it over where it says in the fine print “this is not a credit card or gift card” and the cashier said, Oh, OK.