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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