I grabbed a discounted e-gift card, saw the Buyer Protection Fee spelled out before checkout, and still came out ahead. The code delivered instantly to my email and I redeemed it the same hour at the retailer. No issues. I usually stack these with store promos and it adds up. I have had one dud in the past that support fixed under their guarantee, so I always redeem fast. As long as you read the terms, it is a simple way to save.