Advanced shoppers combine retailer programs with specific credit cards to deepen the discount.

: BJ’s often stocks $500 cards for $479.99. Unlike Target, BJ’s allows you to use any credit card, which is ideal for "stacking" extra rewards. 2. High-Reward "Stacking" Strategies

: Use a Target Circle Card (formerly RedCard) to get an automatic 5% discount on Disney gift cards in-store or at Target.com . This applies to both physical and e-gift cards.