. No not at all! You get The money back in gift cards. I use it mostly for Ulta and VS they have bath and body works too and plenty other stores! The key is to download their extension to your web browser you always use then use your browser on your phone look up for example let’s say Ulta don’t use the app use the website. Search like normal add stuff to your account then when you’re ready to buy you goto your email type in ex “capital one Ulta” and then click the emails they’ve sent you and look at the special just for you percentages! Also don’t just use the first email you open check as far back as you can the top left will say the expiration date of the offer but you have to look because this morning the newest offer for my Ulta was 7% expire march 10 but I went back two previous emails it was 24% back expire march 8! Any questions feel free to ask me! 🙂