If you're new to the program, then you might not know how to use the card. One handy difference between money and gift cards, though: Everyone wants to give gifts that their recipients absolutely love — but what if you're not exactly sure what your giftee would like or you want to gift them a useful service instead of a physical present? In this digital world, all it takes is a savvy way to search sites online. No one's going to trade you $50 in cash for less than $50.

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