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...Why don't you just buy stuff with it on the eshop yourself?
Sorry, forgot to explain.
I live in Costa Rica, so I had to change the region in order to use the normal eShop (Latin America gets a version of it that doesn't have any games available for download). So, I changed the region to Canada, since it actually lets me use my Costa Rican credit card that way.
Thing is, I stupidly bought this card after the fact without realizing it was only usable on a 3DS whose region was the US. I would have changed back, but I already have some funds in my Canadian account.
So, long story short, if I were to use this 20 dollar card I would first have to change my region, losing 40 dollars in the process (my actual 3DS funds).