It’s nearly impossible to do an entire Disney vacation on points (although we usually get close). No matter your strategy, you’ll have to pay Disney directly at least some money and discounted Disney gift cards is one more way to cut corners. There are two types of credit cards you need to save on Disney gift cards.
Bonus Category Cards
Both Discover and Chase offer no annual fee cards with rotating quarterly bonus categories. If you play your cards right, each card earns up to 10% back.
Discover it Cash
The Discover it Cash earns 5% cash back in rotating bonus categories each quarter on up to $1,500 spent. At the end of your first year, they double all your cash back. Since it has no annual fee, this means you can save at least 10% on your Disney gift cards in the first year. If you stack that with fuel points at a grocery store or a discount at a wholesale club like Sam’s Club, it can really start to add up.
The Chase Freedom is very similar. There’s no annual fee and you’ll earn 5% back in bonus categories in the form of points you can redeem for cash. Each point is worth one cent. However, if you use a Chase Ultimate Rewards Strategy, it can be worth twice as much. If you have a Chase Ultimate Rewards card with an annual fee, you can also transfer the points to Hyatt, Southwest and many more. So, you can potentially earn up to 10% back on purchases that fall into the bonus categories.
The second category of card is an American Express. Each of these cards comes with Amex Offers, a fantastic rebate program. The gist is, they offer a rebate at a particular store. You simply add the offer to your account and spend the money on that card.
In the example above, American Express is giving a $10 rebate for spending $50 at Lowe’s who happens to sell Disney gift cards. You might not need any garden supplies, but you can stop in and save $10 on a Disney gift card. If you have multiple American Express cards, including authorized users, you often take advantage of the same deal multiple times.