Well, every transaction made with your bank is tracked. Doing it the way i am the bank only sees a single transaction to the exchange and the exchange sees a buy. After that the trail goes dark. I try to support small businesses that take monero directly like gratuitas.org when possible. The giftcards are for the big brands that would not be easy to get to accept it. If a small mom and pop type wants to accept it i sill use them first. Take gratuitas as an example, their coffee is more expensive than the big box. I choose to buy it anyway because they dont convert the monero back to dollars wgen they get it.