I just got my first Ink card (yay!). And for some reason I'm having difficulty with this math. It's well known that you can buy gift cards through Staples.com through the UR mall for an extra 3x on top of the regular 5x for the Ink card. The e-gift cards do not incur any additional fee, but the larger variety of regular gift cards appear to charge $1.99 for each card. Can someone help me out with the math and tell me if the extra fee justifies the extra 3x points, or if I'm better off going to a physical store? I appreciate that the math will change depending on how much the gift card is, but I figure this method has been utilized a lot so I'm trying to cut to the chase (no pun intended), if I can. Thanks in advance.