I don't have the Surpass card so didn't realize that there's a shipping fee attached to each $50 gc which obviously minimizes the value by at least 4%. But it's still a good value vs the Dell which some people value as low as 50%, as well as easier to use especially for those that are blocked by Dell and constantly have their orders canceled or if you just simply can't find anything you really need every 6 months. I manage to use both credits every year but I'll be more than glad to see the Dell credit go and be replaced by something better. I will personally take $200 Hilton gcs at a cost of $207.80 rather than $400 at Dell. But for now we're still getting both .