Hello, I would like to know which bank, credit union, or other
retailer offers Visa or Mastercard Gift Cards (pre-paid spending
cards) that meet the following criteria:

1. No fees or very low purchase fees ( < $2 per $500 of card value)
2. Can be purchased online
3. Can be purchased with any Visa or Mastercard credit card
4. Do not require the purchaser to be a member of the organization in question
5. Are issued with a PIN number, ergo they can be used as a debit card
(no signature) rather than a credit card (signature required)

An example of the type of card in question can be found at
http://www.charterone.com/giftcards/

Note that, in this example, one cannot purchase online. Other cards
that can be purchased online (e.g.
http://www.nationalcity.com/personal/promotions/giftcard_holiday/default.asp)
have very high fees. My goal is to find a card like the CharterOne
card - which has no fee - but can be purchased online.