Disney Gift Card Deals

[ski_mom]

I kind of agree with both of you. If Target sells a $100 GC for $100, that does not hit the Income statement. It would be cash in, but also a liability, for a net 0 which does not hit the income. However if you sell a $100 GC for $95, now you have cash in of $95 and a liability of $100. This will hit the income statement as -$5. Breakage will factor in on a trailing 7 years or whatever the local rule is, as in $X of outstanding GCs expired this year which were sold 7 years ago, so they'll write those off, now, on the + side of the balance sheet. So given Target is over 7 years old, breakage will show, but it will be the cards sold 7 years ago that are reflected in it today.

It seems to me the other piece of this equation, is that the cards we are getting for the 5% off with RedCard are not Target gift cards. They are Disney or Ebay. I would suspect that Target get a small cut for selling that Disney or Target gift card and that it possibly covers the 5% discount that we are getting.

For example, we purchase a $100 Ebay gift card for $95. When the card is activated, I'm sure that Target has to send the money that they've collected from us to Ebay. How much they actually send them, we don't know, but I'm sure Target gets to keep a small portion of the $100 value of the gift card.

 

[jaccceee]

Hi, Ebay/Paypal Digital Gifts have $100 Southwest gift cards for $90. Email delivery only.

 

[pillow]

Regarding the Kroger 4x promo . . . are we assuming this coupon can be used multiple times? It doesn't say on the coupon, and when I called Kroger to clarify, customer service could not give me a definitive answer.

 

[havaneselover]

Regarding the Kroger 4x promo . . . are we assuming this coupon can be used multiple times? It doesn't say on the coupon, and when I called Kroger to clarify, customer service could not give me a definitive answer.

I wasn't sure either. I remember last year there was one that didn't say it was a one time use but it was. I'll probably play it safe and buy the $800 I need in one transaction.

 

[asgaga]

Hi, Ebay/Paypal Digital Gifts have $100 Southwest gift cards for $90. Email delivery only.

is this a better deal than buying from target?

 

[CalDisneyMomof2]

You only get the 5% REDCard discount in the store on the amount which is paid for with the REDCard. So, "adding something small" doesn't change that. If the PP wants to buy their Disney GCs in the store in order to avoid flagging their account due to a bad Target GC from a reseller, the last thing that they would want to do is to associate any identifying information with that purchase, especially their REDCard.

OP here. What are thoughts on just using the cards I have remaining to buy another Target gift card either online as a guest with a different email, or in store? And then use it online to purchase with the 5%? I mean, I could just take a gamble as I've purchased all of these cards from the same reseller and not one person has mentioned them yet.

I just realized at this point anyway that I'm almost maxed out at my $5,000 with eBay. But that also included purchasing a $400 phone. I have $800 more in eBay cards and after that I'm going to just use what I have to buy Disney. I have about 6 weeks until I have to pay off my balance anyways so I better start turning them into Disney now. I'll be about $2,000 short but I'll just do the 5% off for the rest.

 

[Vernie822]

is this a better deal than buying from target?

assuming you'd be buying Southwest gift cards from target for 5% off, I think so. Because that's 10% off.

 

[ariel1025]

It's any gift card. I've gotten this same email a few times from them and don't buy the Amazon cards, I get the Lowe's cards and have received the points.

I've never done the Swaggable offer. Are these digital gift cards or do you have to wait for them to be mailed physically?

Hi, Ebay/Paypal Digital Gifts have $100 Southwest gift cards for $90. Email delivery only.

Thank you so, so, so much for posting this. I need $600 in SW gift cards to finish purchasing our flights for this summer. All my fingers are crossed that they aren't sold out Friday morning when I was planning to buy them!!!

 

[pillow]

I wasn't sure either. I remember last year there was one that didn't say it was a one time use but it was. I'll probably play it safe and buy the $800 I need in one transaction.

I've been buying Visa gift cards and then turning those into Target cards for 8x fuel points. If the coupon is only good for one use though, it blows that plan.

 

[jaccceee]

is this a better deal than buying from target?

Target is 5%. If I was just starting out I would go through mypoints portal and buy target egcs with points earning credit card. then I would go back to target through mypoints and buy ebay egcs. Then go to MPS again and buy *Southwest e gift cards. But this might take too long so you might not want to risk it.
I think that discount per $100 SWe-gc comes to about 20%=$20.

Edit *Ebay/PP Digital gifts

 

[havaneselover]

I've been buying Visa gift cards and then turning those into Target cards for 8x fuel points. If the coupon is only good for one use though, it blows that plan.

Can you get your dh a separate loyalty card or is it one per household? I know that would be a pain (one more thing to keep straight)...

 

[DIS_MERI]

Just out of curiosity how much is 4x fuel points? We don't have Kroger in Pittsburgh. I'm assuming it is probably roughly equivalent to our giant eagle double fuel perks promotions (40 cents off per gallon of gas for every $100 spent on gift cards) as I think they are both stores that sell cards from gift card mall.

I am not sure what the max redemption is for Giant Eagle, I read the faq but have a migraine so I am not on full brain power....

With kroger 100 fuel points is $.10 off per gallon, up to 1000 fuel/$1 per gallon per redemption. You normally get 1 fuel point per dollar on groceries, and 2x fuel points per dollar on most gift cards. So, with 4x fuel points you get 1000 fuel points for just $250 in gift cards purchased. I have gas cans, so I get the full 35 gallons, and I use a 6% cash back credit card, so I save 20% just on the part where I buy the target gift card. So, Kroger has the advantage of allowing 5 more gallons, but Giant Eagle has the advantage of points lasting an extra month.

 

[ski_mom]

I've never done the Swaggable offer. Are these digital gift cards or do you have to wait for them to be mailed physically?

I've only bought Ebay and Amazon, but they are both instant. Swaggable stores them for you on their site, but I've always used them right away.

 

[MichelleB]

I've been buying Visa gift cards and then turning those into Target cards for 8x fuel points

Do the Visa cards get the fuel points? If so, isn't it negated with fees?

 

[pillow]

Can you get your dh a separate loyalty card or is it one per household? I know that would be a pain (one more thing to keep straight)...

Not sure. That might make my head explode!

 

[davper]

We will agree to disagree.

You can disagree all you want. But GAAP is quite clear on this.

 

[havaneselover]

You can disagree all you want. But GAAP is quite clear on this.

You're approaching this too narrowly. Like I said, we will agree to disagree.

 

[DIS_MERI]

Do the Visa cards get the fuel points? If so, isn't it negated with fees?

At my Krogers (there are 2 in town), you can buy the fixed value gift cards (highest one they carry is $100) and still get fuel points. I believe fees are $4.95 per card, so you can still save some money, but it definitely reduces the benefit. However, my Kroger now has a sign on the registers saying that when purchasing gift cards you have to show ID and I think they match credit card to ID (I know for sure they put in drivers license number, so they may just use that).

The greater difficulty may be using all those fuel points before they expire. Personally, I average 35 gallons every 3-4 weeks, so buying more than 500 at the end of a month is going to mean wasting. I just got gas Monday and I have 106 fuel points already, so if I buy $225 in Target cards, I will save $35 on gas next month and get $13.50 in cash back and can probably hold out until the easter deal before I need more points

 

[pillow]

Do the Visa cards get the fuel points? If so, isn't it negated with fees?

As long as its a fixed amount (and not loadable), the Visa (or Amex, MasterCard) gift cards earn fuel points. Even with fees, the percentage saved is greater than just purchasing straight Target cards. However, it takes longer to accumulate Target cards this way, so it depends on how long you have before your trip. Additionally, I have found that I must first register the Visa gift card before using it. I was also told once that Kroger doesn't allow purchasing a gift card with a gift card, so YMMV. Here is the math on buying just 1 Visa card w/ a $5.95 fee during the 4x promo:

105.95 x 4x = 424 points
Then buy $100 Target card with the Visa card = 400 points
.824 saved per gallon total x 35 gallons = $28.84 saved
less the $5.95 fee = $22.89 saved
6% cash back from Amex Blue Preferred = $6.36
Total saved = $29.48 or 29%

I do think its important to not just look at % saved, but at total $$ saved. Since you accumulate slower using this method, a large percent discount off a small amount isn't impressive. I only do this if I have plenty of time before my trip.

J

 

[CMNJ]

I am not sure what the max redemption is for Giant Eagle, I read the faq but have a migraine so I am not on full brain power....

With kroger 100 fuel points is $.10 off per gallon, up to 1000 fuel/$1 per gallon per redemption. You normally get 1 fuel point per dollar on groceries, and 2x fuel points per dollar on most gift cards. So, with 4x fuel points you get 1000 fuel points for just $250 in gift cards purchased. I have gas cans, so I get the full 35 gallons, and I use a 6% cash back credit card, so I save 20% just on the part where I buy the target gift card. So, Kroger has the advantage of allowing 5 more gallons, but Giant Eagle has the advantage of points lasting an extra month.

Yes giant eagle is only 30 gallons max. So is 1000 fuel points equivalent to saving $1 off each gallon of gas? With giant eagle double fuel perks it is an amount off per gallon so if you spend $250 on gift cards during a double fuel perks promotion you would get $0.20 per gallon (up to 30 gallons) per $50 gift cards=$1.00 per gallon total. Also with Kroger can you redeem fuel points up to the cost of gas or is there a limit? Giant eagle allows you to redeem up to the cost of gas so with a lot of fuel perks you can actually have a "free" tank of gas.