I've outlined our Disney expenses for this year somewhere on this thread before for a comparison of UR earning and cash back before and am happy to post it here for you. I'm well aware that our Disney expenses are not the norm but I do believe seeing an extreme example can help others formulate the options and possibilities for their own needs.
If I purchase Disney gift cards with the Ink at Staples and Office Max/Depot for 5x UR this would be what I'm looking at.
1300 DVC points will equal $8,000 in dues -
40,000 UR
Adventures by Disney Japan and post add on to parks trip is $25,516 -
127,580 UR
Platinum Annual passes w/DVC discount for 2 are $1318 -
6590 UR
Disney cruise $3388 -
16940 UR
Dining at WDW, tix for family members and the Dooney addiction etc. over the rest of this year for the next 13 currently planned trips for 2018 etc. will likely run $4,000 at the least. -
20,000 UR
It is also likely I will find a flimsy excuse to go to DLR again next year, quite possibly for Dapper Days again but nothing planned yet.
Our current Disney vacation plans if paid with Disney gift cards purchased with the Ink at Office Supply stores for 5x will bring in over
211,000 UR points.
If I decide to go for the Target 5% off the gift cards route over 5x UR, I would have saved a little over $2100. That is nothing to sneeze at. But $2100, for our travel hacking goals, which run along the lines of international first class flights, would not come close to the purchase power that the points will. I just priced out flights that we have booked on points with BA from JFK to Scotland and back in first class on BA. One ticket in first class is over $4,500. The 211,000 UR points I will have in my CSR account are worth $3165. I tend to transfer them to miles and get way more value than 1.5 value. The same flight cost me 168,000 British Airway miles. Granted the taxes and fees are a killer on BA but we were using a companion pass so Plane Princess get his seat for zero miles. We went to China with Adventures by Disney with a post trip to Japan a couple of months ago and used a mix of points from a few programs, SPG, MR, TYP to transfer to Singapore airlines. We booked the two of us in their Suites class and were able to experience a flight that was listed for over $18,000 per person one way. It was 250,000 miles per person. I would need 1.2 million UR to purchase just one seat. Uhm, no thanks.
We are going back to Japan next year but with ABD. If we decide to fly ANA the RT price for the flight would be over $25,000 for one person in first class. If I play my cards right I can transfer UR to United and book the first class flights for 220K UR round trip with a saver award. Keep in mind, we would never opt to purchase these flights, even if we had the spare cash to do so.
We are all about the points/miles in order to travel in a more luxurious style. We also like to have lots of points/miles to give us the flexibility to do something crazy just because we can. Our highlights of crazy include flying to London for a weekend just to see the Harry Potter play when it came out. Flying to San Francisco from Miami just to see Hamilton because we were able to get face value tickets thanks to Amex concierge service with the Platinum card. Future crazy includes flying to Puerto Rico to see Hamilton if I manage to get tickets to the show and currently playing Hamilton lottery every time I don't have to work on the weekend. I've decided if we win tickets for $10 there is no reason we can't fly out last minute to go see the show and come back the same or next day. I don't know why I didn't think of this before. Sigh ...
There is no wrong or right way to use your points and formulate strategies for your travel goals as far as everyone on this thread is concerned. So, please understand when you (or the newbies and lurkers on the thread that may not be aware) see posts with a counter point it isn't a "my way is better than your way" type of post. It's a "here is what I do and why just in case the idea might work for you." While my own goals are for the lie flat international first class seats, I have learned much from others in the group who are all about the "get where they'd like to go for free or as close to it as they can." I have employed their strategies and advice from time to time for a specific need in my own travel plans.
Hope this helps.