Overall, they are the same....a 12% savings. You can either redeem once a month for a $25 Target/Wal-Mart gift card and spend 2200 SB and in two months you will have a $50 Disney gift card which cost you 4400 SB...
...or you can redeem 5000 SB for PayPal and buy a $50 Disney gift card from
Best Buy and you will receive a "rebate" of 600 SB, making your net expense 4400 SB.
It's the same deal, it just depends on how fast you are earning your SB and how soon you need your gift cards. With the first option, you can get $25 every month. With the second option, you have to wait until you've earned $50 and you have to wait 30 days until the final 100 SB credits to your account.