DGC Discounts better at BJ's or Target

[MattB2G]

I'm thinking about getting a Target Credit Card and becoming a Circle Rewards member, but I already am a BJ's customer with an annual membership. For people who have both memberships, which one do you think has the best discounts on Disney Gift Cards?

 

[_19disnA]

Don't forget to count the $60 annual membership fee for BJ's in trying to determine any 'savings' on things you buy. One recently opened in our area and we joined just to see what they sell. Frankly, most items are sold in HUGE quantities and the price is no real bargain. Have to know your unit prices to see if there is actually any savings on individual items. Some yes, but many no. Likely how much you buy at places like Target & BJ's will have an impact on any sort of savings you might gain.

 

[brent02139]

Isn't Target CC and Circle Member free? YMMV but I just got a recent deal from target that was 14% off DGC. So seems like special deals better at Target but BJ deal is more available

 

[MattB2G]

We are member's at BJ's because it one is located in our town, but the nearest Target is over 45 minutes away. So, the Target Membership would only really be for buying discounted gift cards.

We are a family of 5, so buying in bulk at BJ's make since for us, and find the prices to at least be a little lower than at CVS and our grocery market for what we buy. We have been BJ's members for over 10 year now.

 

[RivShore]

You should be able to find $20 BJs membership deals easily. Also they may still have a discounted online only memberships. From a net savings standpoint, BJs usually wins with a 4+% standard savings, plus the occasional extra discount, plus cashback on your credit card (currently 5% on Discover).
Target can be great when that have Circle deals like spend $100 5 times, get $40 in points type deals.

 

[trenty]

Overall, I do better with BJs. I only buy when they send me a coupon or reward. I did get a discounted membership.

Target is great for a standard 5%. They do have the deals where if you spend a certain amount, you get a bonus. But I don't take advantage of those as they are not direct savings on gift cards (you can't usually use the bonus to purchase a gift card.) Others here do use this method, and (I guess) just reassign the savings in their budgets, which works.

So far, this year, I have saved about 27% on $225 in gc from BJs. I haven't gotten any from Target this year yet. My overall savings this year on $1950 in gift cards is around 55%, but that includes using SUB bonuses from two Inspire cards, so it is very inflated.

Last year, I saved about 15% on $575 in gc from BJs. From Target I purchased $100 and saved 7.5% (used cash app bonus once on a $50gc). My overall savings last year on $1425 in gift cards was 13.48%.

I don't include any savings from my cc (Discover cashback or Chase URs earned, for example) in my calculations.