They are the three most popular places to buy Disney gift cards. Here are the pros and cons of each.
You can purchase Disney gift cards at a 4% discount online through BJs with no shipping fee. The easiest option is the $100 Disney gift cards for $95.99. You have to be an online member to purchase, which costs $10 a year. The product descriptions says there’s a limit of 3 cards per member, but this only seems to be sporadically enforced.
Total discount with basic 2% cash back card – 5.9%
When You Should Use BJs Wholesale
When You Have a Membership – If you don’t have a BJs membership or don’t need one, the $10 online membership might not make financial sense.
When Wholesale Clubs Are a Rewards Card Bonus Category – Both the Chase Freedom and Discover it Cash card often include whole clubs in their bonus categories. The Discover it Cash has already released their 2018 calendar which includes 5% cash back in the first and fourth quarters.
When You Need Disney Gift Cards Quickly – Sometimes you can’t wait for the stars to align, you just need some discounted Disney gift cards quickly. If you combine the 4% savings on the gift cards plus 2% with a good cash back credit card, you’re doing better than the 5% discount with the Target REDcard which is another quick and easy option.
If Cashback Portals Ever Start Paying Again – Shopping portals like Mr Rebates and TopCashback use to pay 2%-3% on Disney gift card purchases at BJs. That stopped in August, but if it ever comes back, we’ll let you know.
Target doesn’t discount Disney gift cards, but there are still a couple ways to save on them. One option is with the Target REDcard, which gives you a 5% discount on almost everything including Disney gift cards.
The other option includes buying discounted Target gift cards and using those to buy Disney gift cards. Target is making this more difficult and you can read our experience HERE.
Total Discount with Target REDcard – 5%
When You Should Use Target
When You Don’t Want a Credit Card – Don’t want or can’t get a credit card? Target’s Debit REDcard links straight to your checking account and doesn’t do a credit check. You still get a 5% discount on Disney gift cards but don’t have to mess with using a credit card.
When Target is a Rewards Card Bonus Category – This is less common, but in the fourth quarter of last year (2017), Discover actually made Target one of their bonus categories for the Discover it Cash card. If this happens to be your first year with the card, they’ll double all your cash back at the end of it. That effectively means a 10% discount on Disney gift cards (5% +5%).
When You Can Get Target Gift Cards Cheap or Free – There are periodically good deals on discounted Target gift cards through resale companies like Raise or Cardpool. You’ll get both the discount and credit card rewards. In addition, Target puts out their weekly ad every Sunday. They usually include a couple dozen options to earn free Target gift cards when you purchase certain items or spend a certain amount in specific categories.
We wrote more HERE about our experience using Target gift cards to buy Disney gift cards.
Prices on Disney gift cards at Sam’s Club tend to fluctuate a little. In-store prices can be different than online prices at times. Most commonly, you’ll see Disney gift cards at a 4% discount. The most popular is the $500 Disney gift card, which commonly sells for $479.99. If you purchase them online, they cap it at one per order and charge $0.99 in shipping per card. The best bet is to purchase them in-store where you won’t be capped and won’t pay shipping.
The only other downside to Sam’s Club is that you’ll need to be a member to make this purchase.
Total discount with basic 2% cash back card – 5.9%
When You Should Use Sam’s Club
When You Have a Membership – If you don’t have a Sam’s Club membership or don’t need one, the math just doesn’t work out; it won’t be a good deal when you include purchasing it.
When Wholesale Clubs Are a Rewards Card Bonus Category – When wholesale clubs are a bonus category, it can become a really lucrative deal. In addition, if Walmart is a bonus category, you could purchase Walmart gift cards and use them at Sam’s Club for Disney gift cards. Sam’s and Walmart are both owned by the same company and gift cards can be used interchangeably.
When You Can Get Discounted Walmart Gift Cards – As we mentioned above, you can use Walmart gift cards to purchase Disney gift cards at Sam’s Club. It’s not uncommon to find Walmart gift cards at a 2%-4% discount on a site like Raise. When you stack that discount onto the savings Sam’s offers on Disney gift cards, it can lead to a 6%-7% discount.
Another option is when you can get lots of bonus points buying Walmart gift cards. The Chase Freedom made Walmart a bonus category and they’ve also offered a Chase Pay 10x bonus twice during 2017. If you can earn a ton of points buy Walmart gift cards and then turn them into Disney gift cards with the additional Sam’s Club discount, it starts to add up.
However, using gift cards to buy gift cards is always YMMV situation. Even though store policy may allow it, the person at the register is often unaware. Some people report difficulties.