Excerpt: We recently explored the Visa $100 Gift Card, priced at $105 due to a $5.95 purchase fee, as part of our seasonal insights. While the card offers flexibility, we noticed the fee slightly diminishes its perceived value—especially when compared to direct credit card purchases or other gift card options. The $5.95 charge isn’t excessive, but it’s worth considering whether adding it to a $100 gift feels logical or leans toward a luxury. Our test revealed that users either appreciate the convenience of a physical card or prefer the immediacy of digital equivalents. On the flip side, if you’re aiming for a tax-free or direct payment scenario, this fee could sway decisions. We found the balance between ease and cost to be a subtle but important factor in our evaluations, especially when budgeting for seasonal gifting.