Well done. I plan to pay the $49 to upgrade to the Premier Disney Visa at just the right time ... about 2 and a half months before our
Disneyland vacation in January. I'll look for a grocery store near me that offers points for Disney Cards. However, even if I don't find one, with me being within the 3 month introductory 5% back period at Disneyland, that means I don't have to buy Disney Gift Cards ahead of time to get 5% off Disney. I'll buy a couple with the Premier Card or at Target with my Target Visa to give to my wife, but that's it.
I'll then cancel the Premier card and go back down to the free one sometime before they charge me $49 for the second year.
ETA: I found a similar 2x on Gift Cards deal in Texas at a grocery store called Randall's, although
the rules say ... "Savings are limited to 30 gallons in a single fill-up and a limit of 1 vehicle per transaction." For my cars, my max tank is about 17-18 gallons. So the savings per $500 in gift cards purchased is $17-$18, assuming the Randall's fuel prices are comparable to the cheapest stations around, and assuming I don't have to spend $5 in gas driving 10 city miles each way to a Randall's that has a gas station. Randall's sells $50 Disney Gift Cards.