The payment options you have to choose from is up to the researcher who issued your reward, but some common methods are PayPal, Virtual Visa, and Amazon. All three of those are great options to get the full amount of your reward and spend it, but virtual visa is primarily meant for online purchases, not in a physical store.
In some cases, the Virtual Visa may have the option of mailing you a physical card, for an additional fee, but we cannot guarantee that for every reward, as it's up the visa provider. That's why PayPal or even U.S. Bank Deposit are better ways to get the full amount so you can spend however you'd like.
Hope that helps!