Forum readers,
  Coincards.ca is legit.  I've had several successful orders now (with an aggregate total of > 5000$ CDN ) all without issues.  So happy with the service so far.
The 5% fee is a bit hard to swallow but converting bitcoin into cash-in-hand through other means, is likely going to be just as painful.

Coincards.ca,
   It would be good to see a capped fee structure or a graded fee structure.   For example if I buy 500$ gift card the fees should be less if I were to 5 times separately order $100 gift cards.  Or if we buy $1000 gift card there should be a lesser fee than smaller orders -  3% fee (for example).   I'd probably use the service more often, if there was a more favourable fee structure.   Oh and visa gift cards would be awesome if you could somehow manage to pull that off in Canada.