I buy electronic Disney gift cards whenever I see them above 10% off. I will max out any 10% buy as long as I haven’t covered my annual dues yet.
I also purchase small Disney e-gift cards directly from Disney at the
Disney store. The ones from the Disney store can be added to your digital wallet in your phone. To keep them straight, I purchase multiple different e-gift cards from Disney with different pictures.
Then when I buy discounted gift cards at Target, etc, I transfer the funds to the gift card in my digital wallet on my phone. It makes it very easy to pay for everything, though it is a small amount of extra work. You’ll have to copy and paste the gift card info into the app to pay for lightning lanes, etc.