The good news is that these are debit cards. it's annoying when they are in $100 increments for the most recent promo, but most vendors accept debit. Property taxes, insurances, child care, utilities, charities, etc etc will usually take non bank issued debit in multiple $100 payments IME. I don't think there's much of a way to manufacture these. But the good news is that 40k/75k for the first two tiers of AA status for someone who can spend 10-20k on GCC when the promo hits on these on normal spend (again, it's annoying the admin work on these for $100 increments but so be it) should work out.