Use a Disney Vacation Account, Sam’s Club and your Discover card to save on your Disney trip

Disney Vacation Account

What’s a Disney Vacation Account?

If you haven’t yet heard of it, a Vacation Account is a savings plan organized by Disney itself, where you save at your own pace and you’re even rewarded for each $1,000 that you save. You can make automatic scheduled contributions with a debit or credit card or make instant payments at any time – but it’s also handy that you can add savings with a Disney Gift Card, as you can currently buy discounted ones…

How to use a Disney Vacation Account, Sam’s Club and Discover to save on your Disney trip…

Sam’s Club sells Disney Gift Cards to members for around 5% off face value, either in-store or online; a single $500 gift card is $474.98.

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Disney Vacation Account

Picture courtesy of Miles to Memories

If you have an eligible Discover credit card, you’ll no doubt already know about the cashback calendar, where you earn 5% back in bonus categories each quarter.

The current quarterly cashback category includes 5% back when spending up to $1,500 at Sam’s Club. While that quarterly bonus ends tomorrow, December 31st, 2016, the next quarter (January to March 2017) gives you 5% back at wholesale clubs up to $1,500 in spend – so it includes Sam’s Club again.

Disney Vacation Account

If you buy three $500 Disney Gift Cards with your eligible Discover card at Sam’s Club, that’s a total of $1,424.94 and you’ll get 5% cashback ($71.24); this means your $1,500 of Disney Gift Cards cost just $1,353.70! Plus if your spouse or other family members or friends also have a Discover card, you’ll save the same amount with each card.

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However, it gets even better for new Discover cardmembers! New cardholders have their first-year rewards doubled at the end of the year – so you’d get another $71.24 back on the purchase, meaning the $1,500 of Disney Gift Cards actually cost just $1,282.46!

Now you just need to open your free Disney Vacation Account and load the gift cards in to your account.  Once your Disney Vacation Account has been active for at least 120 days and you spend your funds on qualified vacation purchases, Disney will give you a $20 gift card for each $1,000 spent; it’s not much, but every little helps when it comes to a Disney vacation.

Qualified vacation purchases include:

  • Walt Disney World Resort vacation packages
  • Disneyland Resort vacation packages
  • Adventures By Disney vacations
  • Theme park tickets
  • Room stays
  • Cruise fares

Right now, the $20 promotion has an end date of December 31st, 2017, but may well be extended.

What else do I need to know about using a Disney Vacation Account?

It’s rare to get a discount when planning your Disney vacation; park tickets and resorts in particular are very expensive. If you happen to have a Discover card and you’re a Sam’s Club member, grab this great discount while you can!

If you don’t yet have a Discover card, apply here and get in on the cashback action.