You do have to wait for them to mail the 5% off coupon, but well worth the wait.
I even got $15 subway and 2 $15 chick-fi-la gift cards too. Checked them out in separate transaction.

The coupon is good for all of 1 day. So if one target does not have enough gift cards, then you can go to another, and remember if the red card is debit so be sure you have enough in bank.