I would say it depends on the rates of the other company offering the free gift card. Is what they are offering just promotional and then you get hit with the real rates? You know, kind of like the cable deals where you get cable for $20 bucks a month for a year and then afterwards you get charged regular rates? I see these companies doing all kinds of gift cards and giveaways and it's just apart of their marketing and advertising. If the company I have is cheaper than there is no need to change just to get a gift card.