At the store today, I had a sharp manager who, while buying a $500 Visa, suggested I buy 2 $250 Visas in separate transactions to receive 2 $15 grocery credits. She said "all the employees" were doing that. She's probably right that this is the value maximizing strategy, but if you're liquidating these things through money orders, it's not the hassle-minimizing strategy. Still, those with particularly friendly MO clerks and a need for groceries might want to go this route.