Some additional thoughts / info on cardcash....
I totally agree with Dan....only get these cards if your planning to use within the 45 days. Period.
One challenge is...getting the card, checking that the balance is good, then 20 days later getting to your hotel (where you want to use your significantly discounted gift card) and the balance is zero. Now you're paying full price, not the discounted rate. Hotels often have substantial discounts and that's why I'd use a gift to stay at a particular property.
An additional hassle....if you get an e-gift card with no PIN, you either have to call and wait on hold (ie, PF Chang's) or better yet you have to actually go INTO a store/restaurant to get the balance (ie, Logan's Roadhouse). Both scenarios would keep me from buying these.
Many of you have made excellent points here. I'm not attempting to bash cardcash...but I think one has to have eyes-wide-open when buying one of their cards. As someone mentioned, this business is ripe with fraud.