I like that this is able to be used at different retailers, and it does have some extra benefits too (free shipping). It can also get old after awhile because you only use so much money each time before having to pay again! If your looking into getting one then give them all options about what they will offer when purchasing yours. You dont want any restrictions or limitations with which stores are accepted if thats something important in particular. A way to save yourself from paying fees multiple times per month by not carrying cash/credit cards around everywhere we go anymore!!