For stores like Gap, JCrew, BR etc the retailer usually send out discounts in their regular emails and instruct us to print out the email and present to cashier in store at the time of purchase. Although, I can't say I've ever received a printable, in-store discount from JCrew. Express, on the other hand, makes their dollar/% off coupons available online for everyone to print and present in store. Visa also ran a promotion all September offering 20% off at Gap where you had to print the coupon online to use in store. Hope that helps!