It's a gift card
It's a gift card and it works.  Not sure what else there is to say about it.  The only thing might be the "purchase" price.  Just think about it, especially during Christmas time think how many people buy gift cards.  I know it is far more, but say just 1M people across the US bought one.  That would mean VISA makes $6M without having to open or service any new accounts.  It's a cash cow for the card companies.
Rating: 5 stars