If you are near a simon mall, you can get a simon visa gift card. They work just like a visa debit card and are accepted everywhere visa is. There is only 1.50 service fee when you purchase it. If you dont have a simon mall near you, you can go online and order there...but I think they charge shipping to send it so it may work out to the $10 that the CVS one charges if you go the online route.
They are a one time thing. no reloading. You are not charged a monthly fee until 6 months pass. After 6 months, if you still have a balance, they charge a 2.50 service fee monthly. Im sure that they have the same terms as the problem above. I dont think they are responsible for merchandise or service bought with the card.
Toodles