It depends on what exchange you're going to use. I highly doubt the exchange fee is going to be as high as 99%. Or if you're talking about bitcoin's current transaction fee, you can transact fine with sub $1 fees. Depending on how urgent you want the transaction to be confirmed.
Ok, another question if you may answer?
Where can I trade BTC to visa egift card?
I was thinking of using poloniex.
Unfortunately I really don't know as I don't personally buy gift cards. A quick Google search says that you can buy Visa gift cards on Paxful[1] and on eGifter[2], though I really can't comment if they're the best places to buy as like I said I really don't purchase gift cards. Try at your own risk.
[1] https://paxful.com/buy-bitcoin/visa-gift-card
[2] https://www.egifter.com/bitcoin/
