Considering I've been saving up for the $100 Visa card that is now totally gone (and that I'm only 3,000 points away from), I guess I have no choice but to use the bank transfer when the time comes. I remember doing that with Springboard America a while back and it worked out fine - I can't speak to YouGov since I haven't used it yet but usually you're not giving out any information that isn't already at the bottom of a check, something people been handing out to strangers (with our signature to boot!) for many, many years. Cash is definitely better than a Visa card and I guess this is one way to offer it while avoiding dealing with PayPal and their fees and also not having to pay money for postage mailing out checks.