First, some background. Sony offers these "PlayStation Network Cards" essentially as a kind of "company currency" so users can purchase items on their digital storefront without technically using American money. Your American money appears in the beginning of the purchasing sequence by buying this item (gift card), so don't think you are getting something for free, ha ha! In effect, purchasing this item "transforms" your actual money into fake PlayStation money, which is then stored on an "account" (in a "cloud" so you can access it on multiple devices, like for example a PlayStation Vita) to be used at your discretion for digital items that you would like to own and download to your device. What can you "download"? Many things! There are games, game add-ons, game add-on add-ons, extra levels, extra costumes, extra costume add-ons, sexy backgrounds featuring "The Girls of the Big Ten" or even red-haired women in sexy leprechaun outfits. Your imagination is the limit, ha ha. Important: Sony does NOT JUDGE what you spend your "money" on.
Now, the card itself is of good quality, although honestly what you are truly paying for is the "code" on the back of the card that is "activated" upon purchase. Let me explain in case you are confused. The way in which your Sony account "receives" these funds is buy you manually inputting the code found on this gift card. Upon purchase, the code is activated and turns your American money into virtual money. In this case, that will be the equivalent of $20. If you have a card code that is not "activated," the code will not work. If you have a code that you have already used, that code will not work a second time. So it is important to make sure you actually buy the card, it actually activates, and you actually use it.
I forget what I used my code on. Probably nothing yet. And that's okay! The "money" will stay on my PlayStation account until I am ready to use it, or until the world ends, ha ha.
Also note that this particular type of gift card only "creates money" for PlayStation devices using your PlayStation account. If you want virtual money for an Xbox device, a Nintendo device or even a PC (yes, there are still PC users out here, ha ha, google "Steam"), you will have to buy gift cards specific to those devices. They are obviously marked, so you should not encounter any confusion. Thank you.