The problem with restaurants is that most (even pizza joints) are set up to try to automatically add 18% (or whatever their default is) for a tip. Even our local Kentucky Fried is set up that way and you can't even add a tip to the transaction!!! But whoever set up their machine set it as restaurant and it had that default.

Regardless, due to monthly fees, etc., I normally take mine immediately to Walmart or Kwik Trip and purchase a store or gas gift card. Only basis for that is that at our WM, they have problems running the MC/Visa gift cards for anything less than the full purchase amount, even when they know how much is on the card. They say they KNOW they can do it but no one ever remembers when there are 10 people in line behind you. So it's easier to buy the WM one first and then just pay with that.