Combing Target Red Card and Disney Vacation Account. (A way to save even more)

[cdoc29]

So the way I read it if you have a Target RED card and purchase Disney Gift Cards then you can potentially save up to 10% of you cruise.

You would have to use the 5% RED card discount and combine it with something like their 5% bonus (which is stackable) for switching to their pharmacy.

You can then apply these to your Disney Vacation Account which nets you a $20 Disney Gift Card for every $1000 you spend on a Disney Vacation like a cruise.

SO........ Theoretically I can Purchase $5000 worth of Disney Gift Cards from Target for $4500, place them on my Disney Vacation Account, make sure the account is active for at least 120 days, Spend the money in my account and receive an additional $100 gift card to spend on the ship.

When I combine this with my OBB my $5700 cruise becomes $5200, with the above mentioned plan I pay $4700 out of pocket and net $200 OBC from Disney (+200 OBC from my TA) and a $100 Disney Gift Card to use on the ship.

Anyone else have success with a plan like this? and are there any other ways to save I have not found yet?

 

[PrincessShmoo]

You would have to use the 5% RED card discount and combine it with something like their 5% bonus (which is stackable) for switching to their pharmacy.

They no longer allow stacking these discounts.

 

[Jennifer777]

FYI: Sam's Club also sells the Disney gift cards at a 5% discount, ($150 gift card packs for $142.50). This is how we're paying for our next cruise. Buying the gift cards, uploading them into the vacation account and getting the extra gift cards that come with the vacation account as well. I was never able to stack the coupons to get the 10% at Target, they wouldn't allow me to do it, so this was an equal alternative for me. Combine this with the OBB discount and it's 15% off plus $20 gift cards for every $1,000 spent. Every little bit helps!

 

[cdoc29]

[QUOTE="PrincessShmoo, post: 54563873, member: 227620”]They no longer allow stacking these discounts.[/QUOTE]

The website says you can

https://targetpharmacyrewards.com/cp/login.aspx?&lnk=lnav_ pharmacy_4

 

[PrincessShmoo]

[QUOTE="PrincessShmoo, post: 54563873, member: 227620”]They no longer allow stacking these discounts.

The website says you can

https://targetpharmacyrewards.com/cp/login.aspx?&lnk=lnav_ pharmacy_4

I see that. But about a year ago, they stopped allowing it. Maybe they've reinstated it, but I doubt it. There is a Target employee (or former, not sure) @bigvig1130 that posts on the DISboards. Maybe they can weigh in on this.

I found the thread that reported the change:
http://www.disboards.com/threads/target-disney-gift-cards-no-more-stacking-rx-rewards.3255772/

 

[cdoc29]

Well the extra 5% would be nice but if it can’t be done then at least it seems like it is still a way to save some bucks with the regular RED card and when you are talking a family of four on a week long cruise that equates to at least $250 with the possibility of another $250

 

[southerngirl528]

Cdoc, the way lots of us save more is to buy our Target gift cards on sites like giftcardzen, raise.com, etc., at a discount. Then we load them online into our RedCard account, buy those Disney gift cards at the 5% additional discount. THEN if you load those Disney gift cards into your Disney Vacation Account once the account is at least 120 days old, for every $1000 you pay out for a Disney vacation (like a DCL cruise), you can request a $20 gift card which is an additional 2%! By doing this I have saved from 12-15% on the dollar. Just paid for a big onboard credit for our Hawaii 10 night cruise with the monies I ratholed away by doing the above. Every little bit helps.

 

[GatorMomInNC]

You still get 10% off with stacking the discounts for regular purchases, but the pharmacy card is no longer good on gift cards so for gift card purchases you only get the 5% from your red card.

I haven't tried this yet, but I was going to buy CVS or Best Buy GCs from raise, and then use them to purchase DCL GCs in the stores. With this method, I can use my Disney CC and get another 2% back, I hope.

 

[limabeanies]

I bought Target cards from Raise at 7% off. I went to MyPoints and linked to Target to earn points for every dollar I spent at Target. Then went through RED card at Target "choosing use gift card" to buy the Disney cards for 5% off. I opened a DVA and earned $60 in cards from them. Plus I earned a $50 gift card from MyPoints. It was some work but the savings was awesome.

 

[emilymad]

Allow yourselves plenty of time to do this. At Target today I could barely get $700 worth of Disney gift cards. I bought almost every one they had at the store.

 

[GatorMomInNC]

Okay, so I just went ahead and bought a CVS GC on raise, with a special discount code I got it for 11.3% off, and I will get either 1-2% Disney dollars back on my Disney Visa, depending on how they categorize Raise.com. I know my local CVS sells DCL GCs, so once I get it I will go see if I can buy it. If not, I believe I can get my money back at Raise, or I will just use the card at CVS.

Just wanted to add, I know a lot of people do the buying target GCs, then buying online thing, but I also know that there have been a lot of problems with it.

I also just purchased $100 worth of Lowe's coupons for 8.9% discount. I should also get 1-2% back with Dis Visa. I am going to go to Lowe's and use a competitors coupon to buy a $100 Disney Gift card - I should get $20 off, but I know from experience that you have to spend at least as much as the GC face value, so I will buy $20 worth of light bulbs and paper towels and see if I can get that free. I will let you know how that goes.

 

[Bree]

So the way I read it if you have a Target RED card and purchase Disney Gift Cards then you can potentially save up to 10% of you cruise.

You would have to use the 5% RED card discount and combine it with something like their 5% bonus (which is stackable) for switching to their pharmacy.

You can then apply these to your Disney Vacation Account which nets you a $20 Disney Gift Card for every $1000 you spend on a Disney Vacation like a cruise.

SO........ Theoretically I can Purchase $5000 worth of Disney Gift Cards from Target for $4500, place them on my Disney Vacation Account, make sure the account is active for at least 120 days, Spend the money in my account and receive an additional $100 gift card to spend on the ship.

When I combine this with my OBB my $5700 cruise becomes $5200, with the above mentioned plan I pay $4700 out of pocket and net $200 OBC from Disney (+200 OBC from my TA) and a $100 Disney Gift Card to use on the ship.

Anyone else have success with a plan like this? and are there any other ways to save I have not found yet?

It has been well over a year where the pharmacy rewards cannot be used on Gift Cards.

Most of us are doing this:

1. Purchase discounted Target Gift Cards from Raise, etc.
2. Purchase Disney GC on Target.com using discounted Target Gift Card. In order to save an additional 5% you must have a Target Debit/Credit card set as the default payment in your Target.com account.
3. Load the Disney Gift Cards into the DVA account. Keep the account open for 120 days and earn a $20 Disney Gift Card for every $1000 in purchases.

Okay, so I just went ahead and bought a CVS GC on raise, with a special discount code I got it for 11.3% off, and I will get either 1-2% Disney dollars back on my Disney Visa, depending on how they categorize Raise.com. I know my local CVS sells DCL GCs, so once I get it I will go see if I can buy it. If not, I believe I can get my money back at Raise, or I will just use the card at CVS.

Just wanted to add, I know a lot of people do the buying target GCs, then buying online thing, but I also know that there have been a lot of problems with it.

I also just purchased $100 worth of Lowe's coupons for 8.9% discount. I should also get 1-2% back with Dis Visa. I am going to go to Lowe's and use a competitors coupon to buy a $100 Disney Gift card - I should get $20 off, but I know from experience that you have to spend at least as much as the GC face value, so I will buy $20 worth of light bulbs and paper towels and see if I can get that free. I will let you know how that goes.

Not sure why Raise would refund you if there is no issue with the CVS gift card???? It is not Raise's fault if CVS won't let you purchase a Disney Gift Card with a CVS Gift Card.

 

[GatorMomInNC]

Because the details/terms on the raise.com website, which I read before the purchase, do not state that I can't use it to buy gift cards.

BTW, I just tried to use the Lowe's GCs and they would not let me use them to purchase Disney GCs. They said you can't use the Lowe's GCs to buy other GCs. I pointed out that on the voucher it said "Same as cash" and the only restrictions were that it couldn't be used for installation services. But their cash register won't allow it. I read the terms and restrictions carefully before I purchased on Raise.com, so I have asked for a refund, we will see what they say. BTW, I also stopped by my local grocery store and looked at a physical Lowe's GC and it doesn't say no gift cards.

I will see if Raise.com refunds the money.

 

[Bree]

Because the details/terms on the raise.com website, which I read before the purchase, do not state that I can't use it to buy gift cards.

BTW, I just tried to use the Lowe's GCs and they would not let me use them to purchase Disney GCs. They said you can't use the Lowe's GCs to buy other GCs. I pointed out that on the voucher it said "Same as cash" and the only restrictions were that it couldn't be used for installation services. But their cash register won't allow it. I read the terms and restrictions carefully before I purchased on Raise.com, so I have asked for a refund, we will see what they say. BTW, I also stopped by my local grocery store and looked at a physical Lowe's GC and it doesn't say no gift cards.

I will see if Raise.com refunds the money.

It isn't up to Raise to put every last store policy on their website. It is up to the consumer to take personal responsibility to research the do's and don'ts of the terms and conditions of a retailer's gift card before purchasing.

 

[SUSIEQ]

Because the details/terms on the raise.com website, which I read before the purchase, do not state that I can't use it to buy gift cards.

BTW, I just tried to use the Lowe's GCs and they would not let me use them to purchase Disney GCs. They said you can't use the Lowe's GCs to buy other GCs. I pointed out that on the voucher it said "Same as cash" and the only restrictions were that it couldn't be used for installation services. But their cash register won't allow it. I read the terms and restrictions carefully before I purchased on Raise.com, so I have asked for a refund, we will see what they say. BTW, I also stopped by my local grocery store and looked at a physical Lowe's GC and it doesn't say no gift cards.

I will see if Raise.com refunds the money.

I think you are going to run into the same issue trying to buy Disney gift cards with CVS gift cards.
Please let us know if it works for you.

 

[cdoc29]

Cdoc, the way lots of us save more is to buy our Target gift cards on sites like giftcardzen, raise.com, etc., at a discount. Then we load them online into our RedCard account, buy those Disney gift cards at the 5% additional discount.

This advice rocks! I just purchased my first Raise.com Target Gift Card saving 5.9% then turned around and purchased my first Target Disney GiftCard saving another 5%. Since I have 12 months till my cruise fare is due by buying periodically like this i will save approx. $500 off my cruise.

THANKS!!!!!!!!!

 

[GatorMomInNC]

It isn't up to Raise to put every last store policy on their website. It is up to the consumer to take personal responsibility to research the do's and don'ts of the terms and conditions of a retailer's gift card before purchasing.

I don't agree, and neither does Raise, apparently as they DO list any restrictions when you go to purchase the card.

If Raise is selling me a product and there are restrictions printed on the back of the gift card (that I can't see since I am purchasing online), they should print those restrictions. And in fact, when I purchased the card they had, under details: Restrictions: Cannot be used towards the purchase of installation services (which makes sense since those are actually 3rd party service providers). That was the ONLY restriction printed. AND, BTW, Lowes.com has a FAQ and Terms and Conditions regarding their Gift Cards and nowhere does it state that they can't be used towards the purchase of gift cards.

Finally, when I received the voucher from Raise.com, it clearly stated "same as cash" on the voucher. Obviously, if it was same as cash, I would have been able to buy a Disney Gift Card and I wouldn't have spent an hour driving to Lowes and back to find out, no, in fact, it is NOT the same as cash.

 

[GatorMomInNC]

I think you are going to run into the same issue trying to buy Disney gift cards with CVS gift cards.
Please let us know if it works for you.

I might, but I won't care as much at CVS as I easily could spend $50 there and I also got the add'l 5% so the savings are worth it just on regular purchases.