20.3% off Disney Gift Cards by stacking at BJ’s Wholesale

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Update: The Chase Offer is actually for $25 back on $150 or more, which changes the math a bit. I originally had it listed as $25 back on $125 for a 22.67% discount, but the new total drops it to a 20.3% discount assuming you buy all Disney gift cards instead of opting for a $9.01 filler item.

BJ’s Wholesale has made their Black Friday ad live a week early (if you’re not a member, don’t quit reading yet). They are offering some small discounts on Disney Gift Cards. However, the savings becomes pretty solid if you have the current Chase Offer for BJ’s Wholesale, which can score you as much as 20% off on $175 in Disney gift cards. I happen to be in the midst of planning a Disney trip, so I’m buying gift cards after publishing this post.

The discounts above aren’t great, but stacked with the Chase Offer they are excellent.

The Deal

Key Details

  • Can get an online-only BJs Wholesale membership as seen below.

Quick Thoughts

To get the best deal, you’ll need to have the Chase Offer that’s good for $25 back on $150 or more. That means you’ll need to buy as follows:

  • 3 pack of $50 cards = $140.99
  • 1 pack of $25 card  =    $23.49
  • Total price               =  $164.48
  • Chase Offer            =    -$25.00
  • Net cost                  =   $139.48 for $175 in Disney Gift Cards

That’s $35.52 off (which is 22.3% off face value). That’s a nice deal.

But what if you’re not a BJ’s Wholesale Member? You’re in luck: BJ’s offers a one year online-only membership for $10. But it gets better (I think): they offer a free day pass for online shopping to get started. In other words, as far as I can tell, you don’t even need to pay this $10. Note that I’m a member, so I’m not positive how this part works, but here is how it worked on my computer.

First, click here to see membership options.

The option to the far right is the one you want if you don’t live near a store.

Next, when you click to join, it then prompts you to enter your name, email address, and a password.

Finally, once you hit continue, it welcomes you to the club.

From there, I was able to see the pricing on the Disney Gift Cards, add them to my cart, and proceed to checkout. The $10 fee was not added to my order (though I did not complete the order as I do have a membership).

BJ’s membership terms indicate that signing up for online-only access automatically enrolls you in Easy Renewal (their auto-renewal program) where you get charged on the first day of the month in which your membership is set to expire. It is therefore possible that they auto-charge your credit card for the $10 membership fee the day after enrollment online. If you check out with a credit card where you’re able to set up a virtual card number, perhaps you can prevent that from charging. However, it looks like you can potentially shop for a day for free if they do not auto-charge you.

If you enroll for the online access membership, be aware that it may cost you $10 unless you cancel before they charge it. I’m just not sure. If you do pay that $10, the discount on Disney Gift Cards drops to 14.5%, which is still pretty good (though perhaps not the best you’ll do).

At any rate, this looks like a deal to me. My wife and I each have the BJ’s Wholesale offer and are planning a couple of days at Disney with our families, so this will provide a nice little discount on tickets. Note that Disney Gift Cards can apparently be combined pretty easily online and used for most purchases at the park in addition to park tickets (I’m no Disney expert, but that’s what I saw when I gave it a Google).

Finally, shopping portal terms indicate that gift card purchases are not eligible for cash back. However, since these gift cards are included in the “Holiday Gift Shop” section and Top Cash Back lists that section at 2.5% cash back, I’d probably click through the portal just in case it tracked. To be clear, I don’t know that it will — but you hit 0% of the balls at which you do not swing.

H/T: GC Galore

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Yo Yo
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Yo Yo

Gnocchis, we’re planning to go next week to Disney. Thanks for sharing this. What are other resources for getting discounted Disney GCs beyond 5x as office or grocery and 7% at BJs. Any thoughts? Thx.

Barry
Guest
Barry

On Black Friday Officemax/Office Depot will have $150 Happy Her gift cards on sale for $20 off plus 5X UR. If the cashier allows it, you should be able to use the Happy Her card to buy Disney gift cards at BB&B. I also remember that last year BB&B ran a deal around the middle of December where you could get a $10 BB&B gift card for every $50 of gift cards that you purchased. You could do this deal a total of 10 times.

Barry
Guest
Barry

One more idea. Sam’s Club sells Disney gift cards at a small discount. The best discount is about 4% off on the $50 gift cards. Right now there’s an AMEX offer for an additional 4X Membership Rewards at Sam’s Club. I’ve got the offer on my BBP card so I can get the 4% discount and 6X Membership Rewards at Sam’s Club from now until the end of the year.
Disney has a tool on their website for combining small gift card balances onto one card with a limit of $1000 per card.

DJD
Guest
DJD

My three offers are $25 off $150.

YoniPDX
Guest
YoniPDX

@Nick great deal – I saw using discounted GC on one of the Disney hacks blogs about saving money ( one is connected to one of the churning blogs I forget which one).

That said taking the family to Orland next spring for 10 days – doing several days at Disney world, Epcot and water park-

We only have Costco and Sam’s on West coast – thanks for the heads upon one day online – we have the offer on 6 of 10 Chase cards.

$150 that might cover parking at Disney for a few days (hahah), or cover meals for a day in the park haha.

Now correct me if I’m wrong – the discount is a closer to 20% than 23%
3 * $40.99 = $140.97 then need $10 more for $150 to get $25

Need 7 packs of $25 GC o

7 * $23.49 = $164.43
Chase Offer -$25.00
Net cost $139.43 for $175 in Disney Gift Cards

That’s $35.57 off (which is 20.32% off face value). Still a nice deal.

MRS
Guest
MRS

@Nick

Curious what hotels you are considering. We are bringing our 4 and 3 year old to Disneyland this spring since we have a family member with an empty house but may look at DW next year. Lots of hotel options and your overall park strategy since i enjoy your analytical approach to this stuff.

-MRS

toomanybooks
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toomanybooks

You should consider renting a Disney Vacation Club timeshare through a member. Best deal by far unless you want to stay offsite or in a Value like All-Star.

A deep subject, but essentially you can stay in a Deluxe for what you’d pay Disney in a Moderate. Or less.

I have been renting out my points since 2006.

Barry
Guest
Barry

If you’re going to Disney World, I might take a look at the Hyatt Grand Cypress. Right now it’s a category 3 hotel so it will only cost you 12,000 points per night.

Points For Four
Guest
Points For Four

You could also do a 7 pack of $25 cards for a nickel cheaper 7 * 23.49 = 164.43 – 25 = 139.43 and ebates is giving 10% of at BJs right now, not sure if will work on just gift cards though, we’ll see. Either way this a helpful dent in our upcoming Disney Cruise! Thank you!

toomanybooks
Guest
toomanybooks

Disney gift cards is one of my largest annual purchases. Wife and I have a Disney Vacation Club timeshare and we can pay dues with gift cards. Have been doing this for years.

As far as I can tell, you can use Disney GCs for any Disney purchase at all except to buy DVC timeshare points. Those you can buy with a credit card.

I buy over $10k in Disney GCs a year, so if anyone has any great tips for quantity, please share. I often get them at Kroger for the 4x fuel points, but there is a low limit to how much gas I use or can give away. Alternative over the years has been 5x UR at Officemax/Depot. Might be worth a trip to a BJs to buy some of those $500 GCs in person.

Johnny
Guest
Johnny

1. Yes, Disney gift cards are easily combined online. You can have up to five registered gift cards so you can have a card for each family member.

2. Each Giftcard can have a maximum value of $1,000

3. Stop and shop is running a gift card deal until the 28th if one is near you. (Buy a $100 Giftcard, get $20 off your next grocery purchase)

4. When are you going? I’ll be there from December 2 to the 6th. If you have any specific questions, feel free to ask, I’m an annual pass holder so I’ve got some experience there.

John
Guest
John

Can I take advantage of this deal across more than one card? So, if I have the offer added to two separate cards (one Southwest Biz card and one Ink Business Cash card), can I earn the $25 off twice?

John
Guest
John

One other thing – what about the 15% surcharge for non-BJ’s members shopping online? I didn’t see anything added to my total when I bought the gift cards, but I’m hoping they don’t do this and wipe out any savings……the fine print for the pass at BJ’s website says all non-alcoholic items will carry this fee….?

Points For Four
Guest
Points For Four

going to be super pissed if the try to tack on a surcharge

Jeff
Guest
Jeff

Has anyone gotten the credit from Chase yet?

Points For Four
Guest
Points For Four

on multiple different business cards

Jim
Guest
Jim

No credit after 10 days! bJ charged me $46 and $117 for one single order. Disgusting.

Jon
Guest
Jon

Just want you all to know this stacking with a Chase offer does not work with Disney gift cards. I made many purchases from different Chase business cards and none of them worked to get the $25 with a $150 charge. I bought 3 Disney gift cards $100, $50, and $25 to make sure my transaction was over $150 but for each order they sent it out in 3 different mailings and 3 different transactions all under $150, effectively negating getting the $25 back as it only works on one transaction. Of course from my end it’s a $150+ order but from them it’s all smaller at $94.99, $47.49 and $23.75. I called Chase and BJs, and Chase couldn’t do anything saying it was BJs and then BJs said that’s how it’s done with shipments from different places so they break it up. I hope this helps anyone else trying to get a good deal at Disney. I’m fine at least getting 6% off but it would have been nice to get the 20% we all were trying to get. With my parents and my wife and I, this happened to all of us in the same way with 8 different orders. Hope this info help.