I have bought Disney gift cards becuse I can get them in Canada, no Universal cards here. But I’d buy them if I could get them here. I probably will when I get there.
The reason I like gift cards is that I don’t have to carry around credit card, and there’s less chance of it being compromised. Even at Disney I’ve heard on Dis several times people’s credit cards were compromised. So if for no other reason I like the safety aspect. So many times a day I’d have to use credit card, meals, snacks, shops, etc. I feel more comfortable using gift cards. I take a photo on my phone of the back. In case I loose it I can go have it stopped. I think Universal can bring up a record of use like Disney and can issue you another card with remaining balance.
I calculate what I think I’ll need and put on the card that amount or maybe a little less. Then refill card as needed.