Have you calculated what extra 1% is for the maintenance fees? Is it enough to cover the $49 annual fee?
Also, many people get a Target Red Card, buy Disney gift cards at 5% off and use the Disney GC to pay the maintenance fees that way. Others churn Disney gift cards at higher % off too.
It might be worth it to sign up for the free (no annual fee) Chase Disney credit card for the $200 statement credit after spending $500 within the first three months of account opening, charge the annual fees (up to $500 worth to qualify for the statement credit) and then go the Disney GC route....
The annual fee is absolutely worth it if you work it right. I’ve redeemed $1220 in rewards just since April 2019.
Target issues their own card (the Red Card) that is 5% back on all Target purchases. Disney GC count as merchandise and are eligible for the discount. Order them online for physical or e-delivery, use them to pay Disney expenses.How does the Target Red Card thing work?
How does the Target Red Card thing work?
I used my Red Card to purchase tickets for an upcoming trip. The cost of 1 ticket was more than the maximum gift card available, $500. Disney website and a phone call with CM would not apply 2 gift cards to one ticket. The Disney GC site did not allow me to combine more than $1000 on a single GC. So I had combine two $500 gift cards, but 1 ticket, combine another two $500 GC, buy another ticket, and so on. Took about a half hour to get 7 tickets purchased while combining GC between each purchase. Plus now I have to keep up with 8-10 electronic GC in the unlikely event that a refund is issued (I know Disney tickets are non-refundable) since one in our party may not be able to make the trip. So yeah, I saved 5% but it took a lot more time than using a credit card. Not sure I would say it was worth it for $200 savings Even though it was a little cheaper than tickets from UT.Target issues their own card (the Red Card) that is 5% back on all Target purchases. Disney GC count as merchandise and are eligible for the discount. Order them online for physical or e-delivery, use them to pay Disney expenses.