Disney Chase and annual dues

[MrsB919]

Hi everyone. I'm a new member and I had a question about the annual dues. If I were to pay it all at the same time with my Disney Chase would I get the 2% because it's a Disney purchase or do they not recognize that. I was just curious. Thanks.

 

[luckyman_apd]

Hi everyone. I'm a new member and I had a question about the annual dues. If I were to pay it all at the same time with my Disney Chase would I get the 2% because it's a Disney purchase or do they not recognize that. I was just curious. Thanks.

You'd be better off buying disney gift cards from target with a red card and save 5% rather than the 2% chase rewards. You can pay your dues with disney gift cards. It's what I do. I use the chase card for most bills throughout the year, and save the rewards points to get gift cards and buy the rest needed to pay dues from target at 5% off with the red card.

 

[CarolMN]

Hi everyone. I'm a new member and I had a question about the annual dues. If I were to pay it all at the same time with my Disney Chase would I get the 2% because it's a Disney purchase or do they not recognize that. I was just curious. Thanks.

You would get the points.

 

[DisneyBill]

You'd be better off buying disney gift cards from target with a red card and save 5% rather than the 2% chase rewards. You can pay your dues with disney gift cards. It's what I do. I use the chase card for most bills throughout the year, and save the rewards points to get gift cards and buy the rest needed to pay dues from target at 5% off with the red card.

Do you know what the largest value of Disney GC is available at Target?

 

[MrsB919]

Thanks everyone. I know at all of the targets I've looked its $50.

 

[luckyman_apd]

Do you know what the largest value of Disney GC is available at Target?

$50 is what they sell. If you buy $100 you get them for $95.

edit...I deleted the rest of this post because the math was TERRIBLE! been a long day already.

 

[luckyman_apd]

My math was Soooo bad on that last one. You have to buy $500 in disney cards for $50 in target credit. So you would pay $475 for $550 in disney credit if you used your red card, and bought a $50 Disney gift card with the 10 $5 target gift cards from the $500 purchase. Take the 5% off for using the red card and you pay $475 for $550 Disney credit.

If your dues were $1100, and you were able to find enough gift cards at target....you could essentially save $150 and only pay $950 out of pocket on your dues for the year.

 

[DisneyBill]

My math was Soooo bad on that last one. You have to buy $500 in disney cards for $50 in target credit. So you would pay $475 for $550 in disney credit if you used your red card, and bought a $50 Disney gift card with the 10 $5 target gift cards from the $500 purchase. Take the $5 off for using the red card and you pay $475 for $550 Disney credit.

If your dues were $1100, and you were able to find enough gift cards at target....you could essentially save $150 and only pay $950 out of pocket on your dues for the year.

Thanks for all your information!

 

[SSDonut]

How do you use the Target gift cards to pay your dues--pay the lump sum annually in full?

Right now, I have the dues deducted out of bank acct, but I could get a little money back/save a little if I did either Chase Visa or Target cards. . .especially so with the Pharma rewards additional 5%!

Any advice appreciated!

 

[luckyman_apd]

How do you use the Target gift cards to pay your dues--pay the lump sum annually in full?

Right now, I have the dues deducted out of bank acct, but I could get a little money back/save a little if I did either Chase Visa or Target cards. . .especially so with the Pharma rewards additional 5%!

Any advice appreciated!

Yes, I pay my dues in January for the year. I don't have it deducted monthly. I only have 125 points so it's not a huge hit. Last year I think I received $100 in disney gift cards as gifts, plus the discounted ones we bought...I think I only paid 71% of my actual dues out of pocket. My mother has been giving us gift cards for Christmas every year for a long time. I just ask her for Disney now.

A lot of people talk about the pharmacy rewards as well. Just to clarify, I don't pay dues with target gift cards. I use target gift cards to buy disney gift cards at target. You can pay dues with disney gift cards. There is a specific day during the holidays where they offer $5 target gc for $50 purchase.

 

[WILDERNESS FAN 55]

Does anyone remember them giving $10 Target gift cards for every $50 In Disney cards ?? Seems I remember this recently (last year?) but could be mistaken

 

[ppjluvsdvc]

Also, for those of you who do not have a Target Red card but are a member of BJs wholesale clubs, they sell the gift cards at a discount too. Then if you are a rewards member of BJs you get back 2% and if you pay by your Disney Chase card you get your rewards from that as well. They sell $25, 50 and $100 denominations.

 

[MouseMomx2]

Also, for those of you who do not have a Target Red card but are a member of BJs wholesale clubs, they sell the gift cards at a discount too. Then if you are a rewards member of BJs you get back 2% and if you pay by your Disney Chase card you get your rewards from that as well. They sell $25, 50 and $100 denominations.

This is what we do. It actually works out to a slightly better discount than at Target.

The $100 gift cards cost $95.99 at BJs. That's just over 4%. We have a Disney Premiere Visa so we get 2% back on the purchase. That gives me a savings of 5.93% on each card.

Occasionally, when you make a big purchase, you get a $10 off $100 or $5 off $50 coupon to be used off your next purchase, which only makes the savings greater.

 

[luckyman_apd]

This is what we do. It actually works out to a slightly better discount than at Target.

The $100 gift cards cost $95.99 at BJs. That's just over 4%. We have a Disney Premiere Visa so we get 2% back on the purchase. That gives me a savings of 5.93% on each card.

Occasionally, when you make a big purchase, you get a $10 off $100 or $5 off $50 coupon to be used off your next purchase, which only makes the savings greater.

I fail to see how 5.93% is greater than 13.63%? Granted, this target method revolves on them offering the coupon again and only 1 day of shopping (although I think it went two different saturdays last year). $500 in purchases on Disney cards, get the extra $50 one from the bonus $5 target cards.....get 5% off the $500 on the red card = $475 for $550. That's 86.36% of the price, or a 13.63% discount.

 

[ppjluvsdvc]

I agree that the other is a better deal but it all depends on whether you have a target card and they offer that special one (or two) day deals and you can get there on those days.

 

[MouseMomx2]

I fail to see how 5.93% is greater than 13.63%? Granted, this target method revolves on them offering the coupon again and only 1 day of shopping (although I think it went two different saturdays last year). $500 in purchases on Disney cards, get the extra $50 one from the bonus $5 target cards.....get 5% off the $500 on the red card = $475 for $550. That's 86.36% of the price, or a 13.63% discount.

Sorry...I meant the every day 5% off with a Target Red Card.

Of course extra coupons and savings will increase the Target percentage, but we don't get our prescriptions filled there and there is no way to know if the extra coupon savings will be offered this year.

So...to amend my original post...buying your cards at BJs with a Disney Premiere Visa offers a slightly better savings than buying them with a Target Red Card and getting 5% off.

 

[lovesdumbo]

This is what we do. It actually works out to a slightly better discount than at Target.

The $100 gift cards cost $95.99 at BJs. That's just over 4%. We have a Disney Premiere Visa so we get 2% back on the purchase. That gives me a savings of 5.93% on each card.

Occasionally, when you make a big purchase, you get a $10 off $100 or $5 off $50 coupon to be used off your next purchase, which only makes the savings greater.

How do you get 2% back using Disney Premiere Visa? A BJs purchase wouldn't be a Disney purchase and I don't think my BJ purchases are considered groceries or any of the other 2% categories.

 

[MouseMomx2]

How do you get 2% back using Disney Premiere Visa? A BJs purchase wouldn't be a Disney purchase and I don't think my BJ purchases are considered groceries or any of the other 2% categories.

My BJs purchases are coded as grocery. Super WalMart purchase are also coded as grocery.

 

[ppjluvsdvc]

How can you tell what purchases are coded as what? I was wondering too if BJs purchases are coded as grocery. Good to know if that is the case.

 

[Bobby Pic]

You'd be better off buying disney gift cards from target with a red card and save 5% rather than the 2% chase rewards. You can pay your dues with disney gift cards. It's what I do. I use the chase card for most bills throughout the year, and save the rewards points to get gift cards and buy the rest needed to pay dues from target at 5% off with the red card.

After reading this post I looked online into acquiring a red card specifically for this use. Everything I am reading on the Red Card states that gift cards are exempt from the 5% discount. Am I missing something?