Ok, I know this is totally amateur but please indulge me, I see things keep changing-- if I use a redCard (cc) on target.com to buy disney GCs, I will NOT get the %5 off, correct? I would be better off going INTO the store to get the discount.
BUT-- if I am thinking correctly, If I buy Target gift cards at Raise for 5% or more on another rewards credit card,, and then use the target gift cards to buy disney gcs online, I will get the rewards on my card AND the 5% off raise price, right?
ALso, thoughts on adding a disney vacation account into the mix and depositing the disney gcs there? If I am thinking correctly, this would result in a total savings of about 8-9% (5% raise, 2% travel reward value, 2% disney vacation account)
We are DVC (meaning that I am ok getting 'stuck' with excess on the GCs because we can use it for dues or future trips) and paying cash for a cruise that is over $10k this summer, so I want to figure something out before our paid in full date (in April) because we're talking potentially saving hundreds if not a thousand dollars. We are costco members and our best travel rewards card basically represents a 2/2.5% discount for flights (it takes about $12500 spend for us to get a $300 free flight).