Getting a discount on Dues this year....

[psimon]

If you have

1. A Discover Card
2. iPhone
3. Apple Pay
4. BJs Club membership (for a little more!)

Discover card is give a 10% cashback on ALL purchases using ApplePay (through the end of the year). BJs discounts Disney cards about 2%. BJs accepts ApplePay.

So, by using ApplePay at a BJs to buy Disney cards, you can get about a 12% discount on your dues!

Let's see you beat that!

(Please try!)

---Paul in Southern NJ

 

[supersnoop]

If you have a Kroger (or King Soopers and some others), you can buy Target gift cards and earn fuel rewards worth about 14%, plus the Discover 10%, and use the Target cards online with a Target RED card to save another 5%.

 

[psimon]

Boooo.... No Krogers etc in NJ

 

[davper]

12% is small potatoes.

After Xmas, you will easily get 10% discount on Raise for Target GCs and pay for with your 2% cash back CC. Also get 1% back from ebates/swagbucks. Use target GCs to purchase Disney GCs for 5% discount if you have a Redcard. And sometimes if you get lucky, you can get 2% from ebates when you purchase at Target.

That is 17-19%

 

[River Country]

12% is small potatoes.

After Xmas, you will easily get 10% discount on Raise for Target GCs and pay for with your 2% cash back CC. Also get 1% back from ebates/swagbucks. Use target GCs to purchase Disney GCs for 5% discount if you have a Redcard. And sometimes if you get lucky, you can get 2% from ebates when you purchase at Target.

That is 17-19%

I work in big box retail part time and you can not use a gift card to buy a gift card its just not allowed.

 

[psimon]

I work in big box retail part time and you can not use a gift card to buy a gift card its just not allowed.

That's what I thought and the way it's always been at Target.

---Paul in Southern NJ

 

[erionm]

I work in big box retail part time and you can not use a gift card to buy a gift card its just not allowed.

Disney Gift Cards and other fixed value gift cards (except for actual Target Gift Cards) are not treated by the Target point of sale system as gift cards. They ring up as merchandise.

 

[MDFam]

That's what I thought and the way it's always been at Target.

---Paul in Southern NJ

No, davper is exactly right. Buy discounted Target gift cards at Cardpool/Raise/etc to use at Target online to buy Disney gift cards. Set your Target Red Card as your default payment method but use the discounted Target gift cards to actually pay for the purchase and you still get the 5% red card discount. Link into Cardpool/Raise and Target online from ebates or topcashback etc. You get all the cashback and discounts along the way that davper stated. It sounds complicated, but once you do it one time, it's very simple and saves significant money. There is a thread devoted to how to do this on the budget board.

 

[River Country]

No, davper is exactly right. Buy discounted Target gift cards at Cardpool/Raise/etc to use at Target online to buy Disney gift cards. Set your Target Red Card as your default payment method but use the discounted Target gift cards to actually pay for the purchase and you still get the 5% red card discount. Link into Cardpool/Raise and Target online from ebates or topcashback etc. You get all the cashback and discounts along the way that davper stated. It sounds complicated, but once you do it one time, it's very simple and saves significant money. There is a thread devoted to how to do this on the budget board.

So this needs to be done online and not in the store?

 

[MDFam]

So this needs to be done online and not in the store?

Yes, in order to get the Red Card 5% additional discount, you must use the Target gift cards to buy the Disney gift cards at target.com. Have your default payment method at target.com set to Red Card, but then at the last screen when checking out, you are actually able to use the Target gift cards to pay instead of your Red Card. (At Cardpool or Raise, most often you are buying electronic Target gift cards, which are e-mailed to you within minutes in my experience.) Obviously there may be some small balance left over if your Target gift card amount doesn't exactly match the Disney gift card purchase amount. That can be left to go on your Red Card.

Cardpool and Raise don't always have Target gift cards, and when they do, some times the discount is only a percent or two. Right now during prime Christmas shopping season, Target cards seem to be going very quickly and are at pretty small discounts. But you just have to set an alert and/or keep an eye out. To beat the original 12% discount in the OP, obviously you need to wait for when you can get a good Target gift card discount.

So I think this is the summary!
Catch a good Target gift card discount on Cardpool or Raise or one of the other discounting sites and then:
1) Ebates or Topcashback to link to Cardpool or Raise
2) Purchase discounted Target gift cards using your cashback/miles/whatever credit card
(so you now have some cashback from Ebates/Topcashback and some credit card rewards and Target gift cards for which you paid a percentage less than face value)
3) Ebates or Topcashback to link to Target.com and put Disney gift cards in your cart
4) Make sure your account settings state your Target red card as your default payment method
5) Checkout at Target.com but change to pay with Target gift cards and use your discounted Target gift cards
(so now you also have cashback again from Ebates/Topcashback for the Target purchase, you paid using the discounted Target cards and also got 5% off the price of the Disney gift cards)

 

[davper]

Disney Gift Cards and other fixed value gift cards (except for actual Target Gift Cards) are not treated by the Target point of sale system as gift cards. They ring up as merchandise.

At target online, you can. I have bought $1000s in GCs this year alone.

So this needs to be done online and not in the store?

Yes if you want the Redcard 5% discount and referral credit.

But you can use a Target card in store to buy a Disney card. Target is the only store that I know of that allows this.

 

[supersnoop]

I work in big box retail part time and you can not use a gift card to buy a gift card its just not allowed.

You're wrong; though it depends on the store. Target, Sears, K-Mart, Toys-R-Us, and Gamestop all allow you to buy gift cards with their own gift cards. Staples system allows it, although their employees are trained to tell you it's not allowed.

And those are just the ones I know about.

 

[amcnj]

If you have

1. A Discover Card
2. iPhone
3. Apple Pay
4. BJs Club membership (for a little more!)

Discover card is give a 10% cashback on ALL purchases using ApplePay (through the end of the year). BJs discounts Disney cards about 2%. BJs accepts ApplePay.

So, by using ApplePay at a BJs to buy Disney cards, you can get about a 12% discount on your dues!

Let's see you beat that!

(Please try!)

---Paul in Southern NJ

For BJ's are talking about the discounted price they sell the Disney cards for being about 2% less that face value? They don't give the 2% in club discount for being a premium member (or whatever they call it) on gift cards, right?

 

[davper]

Correct

 

[Friendlyadvice2]

If you have

1. A Discover Card
2. iPhone
3. Apple Pay
4. BJs Club membership (for a little more!)

Discover card is give a 10% cashback on ALL purchases using ApplePay (through the end of the year). BJs discounts Disney cards about 2%. BJs accepts ApplePay.

So, by using ApplePay at a BJs to buy Disney cards, you can get about a 12% discount on your dues!

Let's see you beat that!

(Please try!)

---Paul in Southern NJ

Using a gift/credit card and grocery store fuel perks strategy, my Disney discount (and many of my monthly household expenses) is at 34%-40% off. The Disney expense discount applies to all dues, food, tickets, and shopping.

 

[davper]

Using a gift/credit card and grocery store fuel perks strategy, my Disney discount (and many of my monthly household expenses) is at 34%-40% off. The Disney expense discount applies to all dues, food, tickets, and shopping.

But what is your discount if you were just buying enough cards to pay for your dues? Don't count the rewards you earned making other purchases.

I would hit that mark also if I included the $500 cash card I earn every year on my yearly spending.

 

[Friendlyadvice2]

But what is your discount if you were just buying enough cards to pay for your dues? Don't count the rewards you earned making other purchases.

I would hit that mark also if I included the $500 cash card I earn every year on my yearly spending.

????..........34%-40%........$1,000 in disney gift cards costs me $600 - $660.

No other purchases included and no end of year cash card. The credit card portion of my total discount is 6%. If I added eBay to my strategy I could add another 5%-7% savings depending on 4-5 times eBay bucks and shipping fees, but it's too inconsistent in when they have their offers. I could also add 2% for eBates or another portal, but they are also inconsistent on making the payments.

 

[bumbershoot]

I work in big box retail part time and you can not use a gift card to buy a gift card its just not allowed.

At target the Disney gift cards are called "entertainment" cards and CAN be purchased with a target gift card. Even in store (you just won't get the Redcard discount). If a cashier balks just have them try it. The computers know what to do when the human doesn't.

 

[disfanforlife]

If you have

1. A Discover Card
2. iPhone
3. Apple Pay
4. BJs Club membership (for a little more!)

Discover card is give a 10% cashback on ALL purchases using ApplePay (through the end of the year). BJs discounts Disney cards about 2%. BJs accepts ApplePay.

So, by using ApplePay at a BJs to buy Disney cards, you can get about a 12% discount on your dues!

Let's see you beat that!

(Please try!)

---Paul in Southern NJ

The apple pay discount does not include the purchase of gift cards.

 

[Andyman33]

is there a limit to amount of gift cards for disney? looks like 4 of the 50's and 3 of the 100's. how long do I have to wait to get more?