This first time poster is a 30 year veteran pharmacist, not just some boob trolling the internet with misinformation. These cards are ***ALL*** scams, as a fact. Not a theory. They collect your information, including your health information, AS A FACT, not a theory, and sell it, AS A FACT. They offer ZERO discount which is why most private pharmacies won't accept them. If you haave trouble with PRICING, your best bet is to talk to the pharmacist. If they can do something for you, they probably will, and most, if not ALL pharmacies will match cash prices. The Chain drug stores accept many of these cards in the hopes of driving traffic. The fact that CVS also owns the PBM helps them. Aside from that, these cards, if not in healthcare, would be flatout illegal because they represent fraud. So how do the perforate in healthcare? Because the heathcare system is essentially corrupt from top to bottom. In this case, the card fraudsters petitions CMS to make provision in the Obamacare act that required that hospitals and healthcare organizations to actively pursue means of reducing costs to prescriptions to indigent cash paying patient (forgetting that there should be no cash patients anymore under Obamacare). To fill this check box for Medicare Compliance, these cards are put in the front windows of all these healthcare organization, promoting the fraud. These cards do NOTHING to promote a discount. They reimburse pharmacies NOTHING. They charge the pharmacies to privilege to process the card, which is how they make there money. These are the low life money grubbers in the healthcare economy who rip off the system at everyones expense, and provide ZERO economic benefit and ZERO healthcare value. They just steal... PERIOD.

No, these are bought by the companies in bulk, so they get a discount. It is like taking a coupon in, but it is a giftcard instead.

I had a LnT gift card that I used last spring/early summer, soon as I heard they were closing stores. Ours here in ON was still operating as normal, only in the past few weeks are they advertising going out of business. The rip-off is that they are only offering 20% off. This was their normal discount all along, using their coupon. There is a lot of stuff in the store, that they have to mark down a lot more than 20% If they want to get rid of everything.

Another thing that bugs me is the fee that's charged monthly, after, say, four ... or six ... months, by a number of them. You got my money ... ... have been using it without having given service/product in return, for a number of months ... ... so, darn well come up with the full value equivalent of product/service, now, darn you! By the way, you Canadians - do the rules forbidding an expiry date apply in Canada, as well? ole joyful