May i summarise to see if i have this correct. assuming $100 bill.
1. buy wish card at 5% discount, by whichever way, its all roughly the same, as long as 3ppd locations
2. Use wish card to buy the only 1 visa card
3. 5.95 is the fee - $5 (5% discount) = net cost of 0.95 whilst netting 3ppd
4...