While I love the Virgin Mobile service and the freedom of not having a contract, you should do your Top-Up through their website virginmobileusa.com instead of buying a card from a retailer. The card I received from Amazon is expired by six months! (As of this writing you can also get a fantastic deal on clearance phones at the Virgin site.)When considering the cost of call time, which may seem high, keep in mind you are also paying for all associated taxes, caller ID service and voice mail! Makes it quite reasonable to pay 25 cents/minute for your first 10 minutes of the day and just 10 cents/minute thereafter. And there are no additional charges.Bottom line: get the service, but don't buy the Top-Up card at Amazon.