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Old 02-11-2019, 12:03 PM   #1321
heaven2dc
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I've been considering signing up for Target's Red Card and looking for any savings for our upcoming trip. I went to Target's website to see how much I would save for $500 gift card and with 5% savings, I would save $25. So for a $3600 vacation, that would be a total savings of $180. Not outstanding savings but it pays for one Universal ticket But I read on here that there could be further savings but can't find the thread. Any other suggestions? Thank you!
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Old 02-11-2019, 12:25 PM   #1322
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I can confirm this for this quarter. Yes, so long as you are using the regular payment terminals at your grocery store they will have no way of knowing it is gift cards.
Perfect. Thank you. I'm good on the Disney gift cards. I still have a couple of grand left AFTER paying my dues. I was figuring on using this for other gift cards (of places that I would go to) to maximize the discount.
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Old 02-11-2019, 02:05 PM   #1323
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Here's a question. Discover is doing the extra 5% off grocery stores. If I buy regular gift cards from a grocery store, will I still get the 5% off from Discover or does it know it's gift cards?
Most grocery stores does not communicate what items you purchase (Level 3 Line item data) to the card issuer, they just report it as "groceries" (Level 2 data). If in doubt just buy a small denomination GC and check your Discover account once payment has settled.
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Old 02-11-2019, 02:24 PM   #1324
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Originally Posted by heaven2dc View Post
I've been considering signing up for Target's Red Card and looking for any savings for our upcoming trip. I went to Target's website to see how much I would save for $500 gift card and with 5% savings, I would save $25. So for a $3600 vacation, that would be a total savings of $180. Not outstanding savings but it pays for one Universal ticket But I read on here that there could be further savings but can't find the thread. Any other suggestions? Thank you!
In terms of directly from Target it is not really possible to get further savings anymore. You used to be able to buy gift cards with Target gift cards which you could buy at a larger discount online but they no longer allow you to do that. In terms of getting larger savings elsewhere you can combine savings you can get at wholesale clubs such as BJs or Sam's club with credit card rewards to get a greater return than the 5% you would get at target.
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Old 02-11-2019, 02:50 PM   #1325
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In terms of directly from Target it is not really possible to get further savings anymore. You used to be able to buy gift cards with Target gift cards which you could buy at a larger discount online but they no longer allow you to do that. In terms of getting larger savings elsewhere you can combine savings you can get at wholesale clubs such as BJs or Sam's club with credit card rewards to get a greater return than the 5% you would get at target.
Agree, Samís you can get GCs for 4% off and then if you have a credit card that gets 2% or better (e.g. Discover has 5% back per above post), youíve increased your discount. Plus you can use ibotta to get 2-3% back via Samís.
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Old 02-11-2019, 03:02 PM   #1326
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Agree, Samís you can get GCs for 4% off and then if you have a credit card that gets 2% or better (e.g. Discover has 5% back per above post), youíve increased your discount. Plus you can use ibotta to get 2-3% back via Samís.
Discover is currently only 5% on groceries stores (not warehouse stores). Would not work to stack with Sam's club base 4% off.

Now if Discover comes back in a future quarter with Warehouses again would be good to go.
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Old 02-11-2019, 03:08 PM   #1327
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Discover is currently only 5% on groceries stores (not warehouse stores). Would not work to stack with Sam's club base 4% off.

Now if Discover comes back in a future quarter with Warehouses again would be good to go.
Ack! You are right, I forgot it was only groceries and the warehouses donít qualify. Thanks for correcting.
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Old 02-11-2019, 03:25 PM   #1328
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Ack! You are right, I forgot it was only groceries and the warehouses donít qualify. Thanks for correcting.
Figured it was a brain fart. You are the expert here.

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Old 02-11-2019, 04:19 PM   #1329
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Figured it was a brain fart. You are the expert here.

Lol, I love a good bargain!
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