You'll need to have the Target Red card, which is Target's store credit card. Here's the thing: if you use your Red card to buy Disney gift cards, you can score 5% off Disney gift cards. That might not seem like a lot, but if you're looking to use those gift cards for a Disney World trip, 5% might save you quite a bit.

The primary benefit of buying Disney gift cards at Target is the ability to save 5% instantly by using a Target Circle Card (formerly known as the Target RedCard). In 2026, this remains the most consistent and popular "Disney hack" for travelers looking to reduce the cost of their vacation. When you use your Target Circle Card to purchase a Disney gift card—whether it's a physical card in-store or an eGift card online—the 5% discount is applied immediately at the point of sale. For example, a $500 gift card will only cost you $475. These gift cards can then be used to pay for almost anything at Disney, including theme park tickets, hotel room balances, Disney Cruise Line excursions, and even food and merchandise via the mobile app. By "pre-paying" for your trip with discounted gift cards, you are effectively getting a 5% discount on your entire holiday. Additionally, because Target gift card purchases often count toward "Target Circle" rewards or "spending challenges," you can sometimes "double-dip" by earning extra Target store credit while stocking up on funds for your Disney trip.