@PolyRob, just to add to
@miztressuz's post and what
@Albort already mentioned -- assuming you have membership to Sam's Club, you can use your new CIP (and spend towards MSR) to buy
Walmart gift cards from the Gyft app / Gyft .com, then use the Walmart GCs on SamsClub .com to buy the 4.7% discounted $150 Disney GCs pack(s). Gyft purchases earn 3x UR when paying with the CIP through PayPal checkout (so add the CIP to your PayPal wallet), and 5x UR on the CIC/CI+. Like I mentioned to you last week, when you first start using Gyft, start out small and slow to establish some purchase history for your account, because big purchases early on tend to get held up or canceled because of overly sensitive fraud prevention. This may be frustrating if you have to buy a lot of Disney GCs, but maybe you can use this method to buy some of what you need, work on your CIP's MSR, and start building some history on Gyft.
If you don't have a Sam's Club membership, just keep this tucked away for some future use. There are frequently stackable promotions that bring down the cost of a Sam's Club membership to almost nothing.
As for stackable promotions, Sam's Club often shows up on Amex Offers and Chase Offers, giving you an opportunity to get statement credit for buying discounted Disney GCs. What I love about Sam's Club is their checkout has a split tender function that allows you to pay with a mix of Walmart/Sam's Club GCs and credit cards, thus letting you maximize discount from various avenues. Before RMN banned me, I was able to shop through the app and got cash back on a pack of Disney GCs, even though GCs were excluded.
This is another avenue for discounted Disney GCs when you have the right cards. Take the above for example,
@kidsfirsttrip and
@DisneyMandC used an Amex Offer for 10% back at Staples to buy VGCs and/or MCGCs when Staples ran a no-fee deal on these cards recently. Even if there are no Amex Offers or Chase Offers going on, if you had the CIC then that card earns you 5x UR at office supply stores like Staples/Office Depot/Office Max all the time, and no-fee or discounted VGC/MCGC deals happen often enough. They'll then use the VGC/MCGC at
Best Buy to purchase a $100 Disney GC each day and scanning the Swagbucks QR code each time at checkout (deal is limited to one per day). Swagbucks has a deal where if you spend $100+ in one trip in store, you'll receive a 750 SB points bonus (worth at least $7.50 cashed out), and you get usually 2x SB (currently 4x SB) for every dollar of your purchase. On a $100 Disney GC, you typically earn about $9.50 in SBs. GCs aren't supposed to count, but they do. And since you're paying cash for the Disney GCs, you're earning 1-2.5% in Best Buy Rewards, which count towards a reward certificate. So while a little tedious, because you have to hit two stores, and can only do $100/day at Best Buy, you're looking at a 15-20%+ savings on Disney GCs.
Target is the low hanging fruit. The 5% off is not bad, and very easy to save. But with a little bit of work, jumping on deals when they happen, you can pretty easily save 15% or better on Disney GCs. I try to shoot for over 20% off, so I'm buying Disney GCs throughout the year whenever I see a good deal/stack. The Disney Gift Cards Deal thread is excellent at reporting and discussing these opportunities.
Good luck!
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