Money-Saving Tips for Discount Disney Gift Cards
This covers our best money-saving tips for buying discount Disney gift cards via Target, Kroger, Meijer, Sam’s Club, Best Buy, and beyond. Some deals offer big savings for your Walt Disney World vacation, while others are modest but easier. (Updated December 12, 2022.)
Since we are pretty big on stretching our vacation dollar with all sorts of travel hacks, we thought we’d share some of the best methods for scoring discounted Disney gift cards. Some of this might sound complicated and intimidating, but it’s really easy once you get the hang of it, and the upside is so tremendous that it makes the effort of learning well worth it.
With that said, I understand that this is not going to be for everyone. If you don’t have a credit card or are uncomfortable making online purchases, this definitely isn’t for you. While there are a few 101 level travel hacks here, a couple of the tricks are more 404 level.
As good deals come and go, we routinely update this post with the best options for saving money on Disney gift cards. Some of them are convoluted and have limited applicability. Others are open to everyone but have stricter purchase limits.
Regardless, this is one of the easiest way to save money on Walt Disney World vacations–and one of the few that is “stackable” with other discounts. Subscribe to our free email newsletter for a heads up if or when more Disney gift card deals go live. With that said, here are the deals, starting with the best current buy (get it?!)…
From time to time, discount Disney gift cards are sold at Best Buy. Earlier this year, the retailer sold $50 Disney gift cards for $45, or a savings of 10% off. These are available via instant email delivery, and can be combined with other gift cards via Disney’s online management tool.
Where this deal gets really sweet is if you have If you have any Chase credit or debit cards (or the Best Buy card), as many of these have targeted offers for 10% cashback at Best Buy. That should be stackable with this offer, making the discount even better.
In terms of fine print, you’re limited to one Disney gift card per transaction and account, although some people have reported success placing 2 separate orders or buying more with different accounts. Others have had their subsequent order(s) cancelled, not that we know from personal experience or anything. Basically, it’s YMMV after the first order.
This is the only better-than-normal Disney gift card deal that is currently available for Christmas 2022 (as of December 12, 2022). We’ll update this post accordingly if/when more are released over the course of the next two weeks. With that said, you might want to check out the below sites/stores, as it’s common for several of these to offer discount Disney gift cards in past years during the holiday shopping season. Either way, we’ll keep you posted!
If you live in the Midwest or one of the other regions in the United States with Meijer stores, they often run $5 off $50 promos on gift cards. When available, this is limited to a total of 10 rewards purchases–or $500 in gift cards–per Mperks account. (Meijer routinely runs this offer, usually multiple times per year.)
This means you can purchase a single Disney gift card for $500 and you’ll earn ten rewards of $5 (or $50 total) to use on future purchases. This essentially makes it identical to the BJ’s deal, albeit without the membership and Chase Freedom credit card requirements–the only catch here is that not everyone has Meijer stores near them.
Kroger Fuel Points
For those of you near Kroger grocery stores, this is one of the better “everyday” ways to save on Disney gift cards (well, technically, you’re saving money on gas, but it’s because of the gift cards). Normally, every dollar you spend at Kroger earns 1 fuel point, or 2 fuel points on gift card purchases. On occasion, Kroger offers 4X fuel points (sometimes it’s for a period of weeks, sometimes for a single day), which really sweetens the deal.
For every 100 fuel points you redeem, you save $0.10 off every gallon of gas (up to $1/gallon off) you purchase on a single fuel purchase. The precise value of this deal varies based upon how large of a gas tank you’re filling (and how empty your tank), so obviously those with trucks and larger vehicles are going to do better here.
Let’s say your gas tank has 25 gallons of empty space: the normal offer could be worth $25 for every $500 spent (5% savings). With the 4X deal, you’re looking at 10% savings. Stack this with a credit card that earns extra at grocery stores, and this can be one of the best deals out there when the 4X bonus is available.
While we use this for Disney gift cards, like many of the offers here, the same theory can be applied to a variety of other stores, including Target, Lowe’s, Southwest Airlines, GAP, iTunes, and Visa. Note to be mindful that the generic ‘Visa’ gift cards have an activation fee, which more or less kills the deal.
The Target REDcard gets you an automatic 5% discount on any purchase at Target, including gift cards. Among other things, Target sells Disney gift cards both online and in-store, making for a simple way to save 5% on your Walt Disney World vacation.
If you don’t have a Target Red Card it might be worth getting one just to take advantage of this deal. Consider this: many Disney fans are Disney Visa cardholders (a fairly crumby credit card, honestly) because of the Disney perks. However, by virtue of this one deal, the Target Red Card is unquestionably a better card from a rewards perspective for Disney fans.
It may not have Mickey Mouse’s picture on the card, but the Target REDcard gives Disney fans (who know how to use it) greater rewards. (Note that you can no longer use Target gift cards as a form of payment when purchasing gift cards–this used to be the key to substantial savings, but it no longer works!)
BJ’s Wholesale Club
Another good deal available from time to time is via BJ’s Wholesale Club. Members can purchase a $500 gift card for a discounted amount, sometimes as low as $469.99 during sales. This savings isn’t huge on its own, but it’s sometimes the best option–and it can be “sweetened” for some Chase credit card holders.
That’s because if you have a Chase Freedom credit card, the quarterly 5% bonus category can include PayPal purchases, and you can use pay on the BJ’s site using PayPal linked to your Chase Freedom credit card. In that scenario, the effective cost ends up being under $450 for the $500 Disney gift card. Double win!
From time to time, Sam’s Club offers $200 Disney gift cards on sale for $185. This price is shown when added to cart, and is exclusive to Sam’s Club members only. Limit 2 per membership.
Note that this is an eGift card, and it will be emailed within 48 hours of purchase. It’s also worth noting that Sam’s Club is available via various credit card and online cashback portals. Almost all of those explicitly exclude gift card purchases from receiving cash back, but it still doesn’t hurt to try. Might get through and end up saving even more money!
Even easier than the Kroger Fuel Points is the discounted Disney gift cards Sam’s Club and Costco sometimes sell. These gift cards (or packs of gift cards) aren’t always available, and when they are, the savings are usually 4-6%, but if you’re not too keen on the other methods (or don’t have Kroger near you), it can be a “better than nothing” scenario.
This deal can be sweetened if you have a Chase Freedom credit card, as wholesale clubs are one of the rotating 5X categories (this quarter, in fact). Speaking of credit cards, make sure you have the correct credit card when visiting your warehouse club of choice (Sam’s Club now accepts Visa; Costco stopped accepting AmEx). You don’t want to have to pay in cash, causing you to lose out on that bonus!
Another way to sweeten the deal is by combining the gift card churning with cashback shopping portals. There are a variety of these, and the percentages of cashback they offer can vary based upon what promos they’re offering, and the product purchased. I like to use cashbackmonitor.com or evreward.com for a quick “at a glance” comparison of the cashback portals.
I use cashback portals fairly regularly, but this typically does not hold true when it comes to gift card churning. Many retailers exclude gift cards from their cashback offers, and while you can still game the system to get cashback on gift card purchases (although they are technically excluded, the retailers and cashback sites often do not effectively communicate as to the substance of the order), it’s inconsistent.
More importantly (for me, at least), I’ve heard stories of people being blacklisted from certain online retailers as a result of “manipulating” the cashback portals for their gift card purchase rackets. This is another “your mileage may vary” situation, so consider giving it a try for greater savings.
This is another option that can be leveraged in myriad different ways, and with cards that have nothing to do with Disney. If you’re really serious and/or crazy, you could go full circle and apply the principles gleaned here to do manufactured spends. I’m not going to go into further detail on that, as the line between that type of churning and “gift card laundering” is a thin one. Both sides of that “line” are totally legal, the latter might cause some headaches.
With all of these strategies, I’d recommend not doing this too far in advance of your trip; if you’re doing any of this 3 years in advance, you aren’t beating the system at all–you’d be better off making actual investments given typical ROI and the time value of money.
I’d also recommend not tying up more money than you can afford to be stuck in limbo; if you’re paying interest on credit cards to fund this, you’re also losing in the grand scheme of things. Finally, be careful. While all of this is perfectly legal, businesses aren’t exactly “fans” of customers exploiting their policies. If you are cycling a lot of money through any retailer solely in gift card purchases, you might draw some attention to yourself, and risk catching their ire.
With all of that said, good luck leveraging these Disney gift card hacks to save a little more money on your Walt Disney World vacation! With a little work, these strategies can be incredibly valuable and make those exorbitant prices a little more palatable. Once you learn the ropes with using these tactics for Disney, think bigger picture. There are entire blogs and websites devoted to travel hacks, including churning, manufactured spends, etc. Once you get the hang of it, the possibilities are almost endless.
Likewise, if anything sounds confusing, feel free to ask questions–everyone starts from the beginning, and my explanations as someone who has been ‘hacking’ for a while might be insufficient for walking beginners through these processes from start to finish.
Need Disney trip planning tips and comprehensive advice? Make sure to read Disney Parks Vacation Planning Guides, where you can find comprehensive guides to Walt Disney World, Disneyland, and beyond! For Disney updates, discount information, a free download of our Money-Saving Tips for Walt Disney World eBook, and much more, sign up for our free monthly newsletter!
Have you tried purchasing “discount” Disney gift cards to cut the cost of your vacation? Any other strategies you’ve used to save for a Walt Disney World trip? Questions about any of the techniques we’ve shared? We love hearing from readers, so please share some of your favorite ways to save, or any other thoughts or questions you have, in the comments!
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I live in New York. Shop Rite supermarkets does a promotion around this time where you purchase a $100 gift card with your Price Plus membership card, and you get $20 off your purchase for next week. I bought a $100 Disney gift card last week and bought $20 worth of groceries this week for free and then bought another $100 Disney gift card, generating another $20 coupon for next week. It’s usually only for two or three weeks.
I just took advantage of the Best Buy deal and noticed they were also offering a 100$ Uber gift card for 90$. Since this is a good way to get to/from Disney I went ahead and grabbed one of these, too!
A really great way to get free Disney gift cards is through Shopkicks. You simply choose a store on the app and scan items they list. If you need the product, you will receive “kicks” that go towards your chosen gift card. I was able to earn a $50.00 gc in about 3-4 months. It would be a good way to supplement the other options.
Great tips! Thank you.
A quick follow-up question, does target limit the number of gift cards you can purchase with their credit card? Or can you purchase multiple Disney gift cards to use towards your vacation? If they do not cap, this, that would be a great way to save
I believe Target limits you to $1500 in gift cards in one transaction (or at least that’s as much as I’ve gotten away with). I just buy gift cards as I go and have payed solely with gift cards from Target for nearly 2 dozen trips at this point, so it’s been a fabulous way to save for us!
Important PSA: earlier this year, Meijer ran their mperks deal offering $10 off per $50 of gift cards purchased, not $5. My whole traveling party maxed out that deal. It was great! So keep your eyes peeled for that deal returning at some point.
Awesome–thanks for sharing that. I missed it when that happened, but will keep my eye out on Cyber Monday for a repeat.
(IIRC, Meijer did the deal last year in early to mid-December, a week or two after Cyber Monday. My memory could be faulty, though.)
They did it in July/August this year. I don’t recall having seen the $10 off in any of the past few years, but it’s entirely possible that they’ve done this before. The $5 off deal remains a strong option given that (1) there’s no membership fee required for Meijer, and (2) it codes as grocery, so any of the numerous credit cards offering 5%+ cash back on grocery can be used here.
Costco doesn’t sell Disney gift cards in-store or online. It’s not sometimes they do, they simply don’t sell them. I think you’re the only blogger who updates and still has Costco as an option. It’s confusing.
Before the pandemic hit, our local Costco used to sell them. Since then, nothing.
You’re sadly mistaken Cindy B. You must be thinking of either Sam’s Club or BJ’s Warehouse.
Costco does not sell discount or regular-price Disney gift cards online or in-store, according to the warehouse retailer’s customer service department. We called several Costco store locations across the U.S. to confirm that they do not carry Disney gift cards in-store. Costco does sell other third-party gift cards, including for California Pizza Kitchen, Krispy Kreme, Main Event Entertainment, and MovieTickets.com; in-store availability will vary. Nov 19, 2018. First Quarter Finance
Cindy: Just because they don’t sell them NOW does NOT mean they never did! As I’ve already stated, it’s been a few years ago, but our local Costco USED TO SELL THEM on a center display rack in the store. I SAW THEM WITH MY OWN EYES!!! They’ve since quit selling them the beginning of the pandemic shutdown and I haven’t seen them since. Btw: We do not have a Sam’s Club or BJ’s Warehouse anywhere here locally or regionally.
When discover card has the 5% back on grocery stores (like now March 2022) you can buy the gift cards at Safeway and earn double points on gift card purchases which can be redeemed for free groceries. And then when you redeem the discover card for other (non disney) gift cards you have a bonus on that. so you are saving 8-9% effectively.
Do all the restaurants accept gift cards when you have a reservation or is this something you have to check out in advance?
If it is Disney owned you can use a Disney gift card. For restaurants not owned by Disney you can use a gift card from them. For example T-Rex is owned by Landry, you can use Landry gift cards there or T-Rex specific gift cards.
Yes, you can use Disney Giftcards at all Restaurants on Disney Property.
The $50 gift cards on best buy are now $50 as of 2/8/22. Bummer.
Just tried Best Buy after reading this article. Guess the discount is no longer available as It still showed as $50 on site and all the way to checkout. Too bad. Guess I’ll stick with Target. I buy a $50 0r $100 gift card every time I go. Have over $2,500 in card right now and will use to pay for my trip.
Awe Cute…Loved It
Got 2 $500 gift cards through Target and saved $50. Combined the 2 into 1 GC on Disney gift cards website. Took a picture of the scan bar and used it for everything food and merchandise all weekend. I just wish I had done that for our reservation before I booked the trip. It would have saved us another $75. Not a lot, but for a Disney trip every penny counts.
Lori, also: https://help.shopdisney.com/hc/en-us/articles/1500007819122-Can-a-Gift-Card-be-Linked-to-My-MagicBand-
Pixie – how do you link Disney gift cards to the magic bands?
I put my Disney GCs in my apple wallet and when we went anywhere in the parks they scanned my phone code. Worked for ice cream at the small stands in the Aminal Kingdom as well as the large restaurants. Did not have to carry the gift cards around with us. Very convenient. Could have linked them to our old magic bands also.