Give cash or a check. Or give nothing which is better than this card! Card was denied when I tried to use. The first customer service advisor gave inaccurate information regarding website. Told me to fax information. Faxed info twice. They claimed they have never received fax. Second customer service agent more knowledgeable but web site would not work. So, once again I will fax information. The person who gave me the card told me another person she gave a card to also had the same problem! Only give as gift to your worst enemies! Kroger should be ashamed to carry this product! Shame on you!