Costco Paying with Disney Gift Cards


Apr 23, 2014
Has anyone booked through Costco but paid with Disney Gift Cards? When I called to make some payment on my cruise balance, the woman answering the phone told me I should buy Gift Cards at Target with Red Card (for 5% off) and then call Costco with the cards, which they would then call Disney with. She insisted we could do that but I am not sure and before I go buy a bunch of Disney Gift Cards, I wanted to ask.


Nov 6, 2017
Yes, we’ve done this for all of our cruises! Buy gift cards at Target with the red card discount, combine them up to $1000 per card at Disney’s gift card website (so I don’t have to read off so many numbers over the phone), then call Costco and they call Disney and give them the numbers for payment.

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  • FigmentSpark

    DIS Veteran
    Apr 9, 2016
    It works because Costco is the agent for DCL. DCL is being paid, not Costco. You can't use Costco cash cards to pay for a cruise for this reason and can use Disney gift cards to pay for a Disney cruise. (so don't buy Disney gift cards to pay for your RCCL cruise, lol).

    The agent takes your card numbers and phones Disney. Since Disney accepts their own cards, it's a valid payment method. Likewise, don't forget to keep your cards in case anything happens and you cancel or need some type of refund, as it will be back to those cards.


    May 27, 2019
    If you have a Meijer near you they currently have 10% rewards on gift cards up to $500 per Mperks account. Since the account is tied to your phone number we each have our own for times we need to buy more gift cards. I've been keeping track and they seem to run this deal every 6-8 weeks but don't heavily advertise it.


    DIS Veteran
    Mar 13, 2012
    Yes, just did it this week (and did it for our previous DCL cruise as well). The Costco rep will get the DCL rep on the phone and then you read the GC # to the (DCL) rep.


    Apr 7, 2016
    I used to when I could get a better discount on them through target (raise, then target). But at 5% it’s not worth it vs charging on my Costco visa and getting 3%

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