Finally! It's here!! ...
this post was submitted on 21 Dec 2024
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The only thing I know that has a fee is if you want a visa card which you can use everywhere. Most digital stores (Nintendo, Lyft, Amazon) want you to purchase the gift card because it locks you into their ecosystem. Some will even give you a discount on a gift card because they get the money now for nothing, and can invest that. The company also wants you to buy a gift card because there's always some percentage that goes lost and unclaimed, so that's free money for them.
I did Amazon since you can easily put in the exact amount from the payment. You can do the same for Target. I've also used these types of refunds to make a partial payment on some of my utility bills.