Target 5% off - does this apply when using gift cards to pay?

[IBelieveInTheMagic]

I know the Target 5% debit/credit cards are often discussed here so I'm hoping someone can clarify this for me. My Mom has the Target credit card and she has been buying the Disney gift cards for our trip in order to help us save the extra 5% - which it adds up! I wish I had known this before Xmas and I made a big payment towards the cruise.

Anyway - I have about $150 in Target gift cards that I have saved up and wanted to give these to her when she checks out. This might sound like a silly question, but will the 5% come off the total of the gift cards or no, because I'm applying the $150 towards the balance and therefore reducing it and the 5% credit towards it?

I know this has come up several times and I could have sworn when those awesome deals around Xmas were coming up to get a $10 Target gift card with a $50 purchase, people were applying the $10 Target card towards the Disney gift card purchase and they were still getting the full 5% credit. I could be wrong though.

Here is my example if it helps - Let's say it's $400 total and that purchase of $400 includes $300 in Disney Gift cards. Without using my $150 in Target gift cards this save me $15 ($300 x 5% = $15) on the purchase. Second part - now throw in the $150 Target cards I have as payment towards the $400. So is the 5% coming off the TOP or is it only going towards the difference of $250? In the end, this isn't a HUGE deal, however I don't want to defeat the purpose of her doing this to help us.

Thanks in advance

Heather

 

[sara mom]

You receive the 5% off the amount that you place on the credit card only. So the amount you pay by gift card does not get that discount.

 

[IBelieveInTheMagic]

You receive the 5% off the amount that you place on the credit card only. So the amount you pay by gift card does not get that discount.

Perfect - that's what I needed to confirm!

Thanks again,
Heather