Pay Disney Vacation Club Dues With Gift Cards

Did you know you can pay Disney Vacation Club dues with gift cards? While you can’t make your initial DVC purchase with gift cards, you can pay your annual dues.

And, since your DVC dues are an expense you’ll pay year after year, saving on Disney gift cards can lead to substantial savings over time. Here are some of our favorite ways to save on Disney gift cards.


Target REDcard – The simplest way to save on Disney gift cards is with the Target REDcard (Debit). You get a flat 5% off and you can buy Disney gift cards online.

The debit version of this card requires no credit check. You simply link it to your checking account.

Sam’s Club – You’ll find Disney gift cards sold at a 3.5% – 4% discount at Sam’s Club. You do have to be a member, but when you stack the credit card rewards you’ll earn on top of the savings, you should get just over 5% in total value earned/saved.

BJ’s Wholesale – Similarly, BJ’s Wholesale sells Disney gift cards at a 4% discount. You’lll need at least the $10 online membership to purchase them. But, stacked with credit card rewards and free shipping, it’s a nice savings.


Chase Freedom – The Chase Freedom credit card earns 5% cash back in rotating categories each quarter. These often include stores that sell gift cards and sometimes they include stores that already discount their Disney gift cards.

Discover it Cash – The Discover it Cash also earns 5% cash back in rotating categories each quarter. But, the card also matches all the cash you earn in the first year in a lump sum at the end of the year. So, 5% savings becomes 10% savings, a nice way to save on Disney gift cards.

Our referral link comes with a $50 statement credit after your first purchase.

Amex Offers & Chase Offers – Both American Express and Chase have rebate programs. You “add” an offer for a particularly store to your card. They are most often cash rebates by dollar or percentage of purchase. Then you use the card for a purchase at that store and get a rebate.

There are regularly stores featured that sell Disney gift cards, so it’s a good way to save between 10% and 25% on Disney gift cards.

Stacking Dosh – Cash back app Dosh often gives cash back at places that sell Disney gift cards. We’ve seen 5% cash back at Sam’s Club and 3% at Staples.


Stacking Strategies at Wholesale Clubs – When the Chase Freedom or Discover it Cash includes wholesale clubs as a bonus category, it means you can stack both bonuses together. Think of it like the stars aligning.

Or, when there’s a Chase Offer or Amex Offer for Sam’s Club, which seems to happen a few times a year; this is another great to save quite a lot on Disney gift cards.

Chase Ultimate Rewards Strategy – When I said the Chase Freedom gives you 5% cash back, that’s not entirely accurate. Actually they give you Chase Ultimate Rewards and each point is worth one cent when you cash them in. But, if you have the Chase Sapphire Preferred, you can transfer all the Chase Freedom points onto that card and then onto travel partners like Southwest Airlines, Hyatt, JetBlue, and United. Here those points can be worth as much as two cents each.

The Latest Strategies

We keep an active page for all the latest strategies for saving on Disney gift cards. I think you’ll find it’s worth it to pay your Disney Vacation Club dues with gift cards.