It also is worth noting that almost every year for the last several years at least, BJs has had a sale on Disney Gift Cards some time in the November-December time period, during which the average discount increases from the standard 4% to 6% rounded off. I realize this does not help someone who needs cards now, but if you can plan ahead and have cash flow flexibility, you can do very well buying everything you need for the next year during this period. For DVC members, these regular sales also come a few weeks before the annual dues for the next year are issued and you can make payments at a discount.
And as noted, you can stack the BJs discount with a credit card cash back discount to increase the value.