Since it's a new year you know there have to be new discounts on gift cards.

Effective today through March 31
Discover Card: 5% cash back on warehouse clubs up to $1500. Since BJ's and Sam's Club already discount their cards about 3.5% this brings your savings to a little over 8.5%. BJ's does not require a membership but charges $5 s/h to non-members. Sam's does require a membership.

Chase Freedom: 5% cash back on ApplePay & ChasePay up to $1500. I use this to buy Walmart gift cards via ChasePay and then use those GC to buy my Disney cards at Sam's.