I believe the Target employees you spoke with today were misinformed. I just utilized the 5% off on Disney gift cards at Target using my RedCard today. If that store won't let you, you can certainly do it online. There's really nothing the store can do to stop you though, as the discount will come off automatically if you use your RedCard.
In addition to the 5% off from using your RedCard, there are a few other ways you can save quite a bit. Ultimately, your best bet is to go back ~30+ pages and read all the posts to get a sense for what people are doing. It's tedious, but we've all done it (or more) to get up to speed.
In short, here's what you can add:
- Buy Target Gift Cards at a discount (from a reputable reseller). Generally, Raise tends to be favored around here, although their percentage off is currently very low, so you'd be best off waiting.
- Sign up for cash back websites. TopCashBack allows you to get cash back from Raise. Ebates can get you cash back on your Disney gift card purchases from Target. *See previous posts for info on these. Cash back will not be earned automatically.*
- Use your Target gift cards online to buy the Disney gift cards at 5% off, without actually using your RedCard.
There are many other elements that can be added to the mix, but based on where you're starting, those are the basics.
Again, reading through a serious chunk of previous posts on here is the best way to understand all of this. Feel free to ask questions, or to private message any of us (although you won't be able to do the latter until you've posted 10 times).