12% Off Disney Gift Cards

Discounted Disney Gift Cards

We’re continuing our series on strategies for getting discounted Disney gift cards. If you want follow this series, you can find all the posts on discounted Disney gift cards HERE.

UPDATE: This offer is no longer available, but there are other great strategies for discounted Disney gift cards you can find on Disney Gift Card page.

We’re going to look at using the Discover it Cash Card to purchase Disney gift cards at Lowe’s. This card earns up to 10% cash back, making it a great way to get discounted Disney gift cards. After we purchase the gift cards, we’ll set up a Disney Vacation Account. We’re going to end up with $1,020 in Disney gift cards for $900, a 11.76% discount.

Discover it Cash

Discover offers a cash back card that gives 5% back on up to $1,500 spent each quarter in rotating categories. You get 1% back on all other purchases. Most importantly, Discover doubles ALL cash back at the end of the first year for new card members. In those bonus categories you’re effectively getting 10% back, 5% now and 5% at the end of your first year.

Discover it Cash Calendar 3Q

For a closer look at this card, take a look at our full review of the Discover it Cash Card.



The double cash back at the end of the first year is particularly important for our situation.  This quarter, July through September, the bonus category is Amazon and home improvement stores. Amazon sells tons of gift cards, but they don’t sell Disney gift cards. We called both Home Depot and Lowe’s in our community. Lowe’s sells Disney gift cards, which are eligible for the cash back bonus.

For our scenario, we want to purchase $1,000 in Disney gift cards at Lowe’s using our Discover it Cash card. This will earn 5% cash back immediately and another 5% back at the end of the year. We’ll be effectively paying $900 for $1,000 of gift cards.

Disney Vacation Account

The Disney Vacation Account is a free tool offered by Disney to help you save for a Disney vacation. You can set up automatic transfers into the account, track your progress, and more. You can even use it to consolidate your gift cards, a great tool for this example.

For every $1,000 you spend on a Disney vacation through your DVA account, Disney will send you a $20 gift card. Spend $2,000 and you’ll get $40 in Disney gift cards. To receive the gift card, you need to have an active account for 120 days before you spend the money. Also, it will take them 4-6 weeks to mail your gift cards according to the website. We’ve personally used the DVA, and with a little bit of planning, we found it to be a great tool.

Discounted Disney Gift Cards Summary

Gift Cards Purchased at Lowe’s $1,000
Gift Card Bonus – DVA $20
Total Disney Gift Cards Gained $1,020


Initial 5% Cash Back $50
Cash Back Bonus at End of Year 1 $50
Total Paid for Disney Gift Cards after Cash Back $900

In total, we paid $900 after deducting cash back bonuses for $1,020 in Disney gift cards, effectively saving $120 or 11.76%.

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Discover it Cash Credit Card

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  • What kind of points: Cash
  • Sign Up Bonus: $50 cash after first purchase in three months. (This is a special referral offer that requires using our link here.)
  • Annual Fee: $0
  • How to Earn Points: 5% cash back up to $1,500 each quarter in rotating categories, 1% cash back on everything else
  • Value of a Point: 1.0 cents
  • How to Spend Points: Redeem for Cash
  • Our favorite Use: Disney Parks tickets or Disney vacation packages