I've tried a couple of those at Retail Report card and never made it to the end! They go on and on and on......never getting to the point of awarding the card. I've found it takes too much time and patience, and I don't like having to buy something that I don't really want along the way. As I said, I've never gotten to the end, so don't know for sure it they do give the card. I would agree that from all outward appearances it is a rip off.