I figure you guys will know this... I don't have the patience to track all of these deals and offers, so the way I buy my Disney gift cards is to buy 4% discounted cards at BJs.com with a credit card that pays 3% on online shopping. Is there any better rate for regular purchases without worrying about tracking temporary offers?
The easiest guaranteed ways that I know of that are direct cash discounts (not giving you money to spend on gas etc):
Target Red Card 5% back, can usually combine with 1% cashback (not sure if it tracks though)
BJs or Sams Club - 4% off cards, combine with Credit Card cashback (3% in your case) and Cashback
Best "everyday" deal I know of:
Cash App + Sams Club + Cashback site, currently 5% back on Cash App, max discount of $20 every 24 hours (so $400 in gift cards) - Sams did raise the prices on some of their gift cards and with limits of 2 per type of gift card, the best combo is 2x$75 regular gift packs (which each contain 3x$25 GCs), 2x$75 Christmas themed gift packs, 2x$50 eGC = $383.88 with 5% instant cashback from CashApp = $364.69 plus any Cashback site you use (lets say 1% of $383.88 or $3.83 off) or 9.7% off face value. With Cashback sites not always being reliable, your worst is 8.8% off.
Occasionally, Cash App will bump the offer up to 10% off and then your discount can be as high as ~16% with a cashback site.
Cash App just recently added a 5% Instant Cashback through Walmart, max of $50 that can be used every hour. Not as good as the Sam's Club one because Sam's Club offers an additional discount, but might be useful for some who don't have a Sam's Club membership or Target Red Card.
If others know ones that will guarantee 10% off please share! (I know when RMN runs the 10% cashback that seems fairly reliable and easy to do) - the above are the best "in a pinch" guaranteed methods I know of.
I have 2 WDW APs that are up for renewal in 2 weeks, so I'm trying to buy a bunch of gift cards, should have taken advantage of the RMN 10% cashback earlier but missed it lol.
BTW- Anyone have any luck with using FatCoupon? They're offering 9.9% cashback on your first purchase from Sam's Club and normally 4.9% cashback. Not bad if it will track my purchases.