New direct purchase offers include $500 gift card

Disney Vacation Club has updated its lineup of bonus incentives for buying points direct.  Among the options is a $500 Disney Gift Card with sufficient size contract purchase.  

Disney's Wilderness Lodge

Three resorts are currently in active sales through DVC:  Aulani, Disney Vacation Club Villas, Copper Creek Villas & Cabins and Disney's Polynesian Villas & Bungalows.  All have some sort of promotional discount offered, though the exact value varies for new and current members, and by resort and the number of point purchased.  

One of the options available is a $500 Disney Gift Card with a DVC purchase.  Other incentives forgo the gift card while providing a larger "developer credit" toward the purchase amount.

The base price for all three resorts is currently $176 per point.  Here are some of the cost reductions available to new members by resort:

New Buyer

Aulani and Copper Creek

150 points:  Buyer receives $1,000 Developer Credit OR $500 credit plus $500 Disney Gift Card
175 points:  $2,500 Developer Credit OR $2,000 credit plus $500 Disney Gift Card
250 points:  $4,250 Developer Credit OR $3,750 credit plus $500 Disney Gift Card
300 points:  $5,250 Developer Credit OR $4,750 credit plus $500 Disney Gift Card

Polynesian

175 points:  Buyer receives $1,250 Developer Credit OR $750 credit plus $500 Disney Gift Card
250 points:  $3,000 Developer Credit OR $2,500 credit plus $500 Disney Gift Card
300 points:  $4,750 Developer Credit OR $4,250 credit plus $500 Disney Gift Card

Incentives are similar for existing DVC owners wishing to add to their membership. However incentives tend to start at lower purchase points (125 points vs. 150/175) and the credits are larger at the lower levels.  

Current Members Adding-On

Aulani and Copper Creek

125 points:  Buyer receives $750 Developer Credit OR $250 credit plus $500 Disney Gift Card
175 points:  $3,000 Developer Credit OR $2,500 credit plus $500 Disney Gift Card
250 points:  $4,250 Developer Credit OR $3,750 credit plus $500 Disney Gift Card
300 points:  $5,250 Developer Credit OR $4,750 credit plus $500 Disney Gift Card

Polynesian

125 points:  Buyer receives $500 Developer Credit OR $500 Disney Gift Card
175 points:  $2,000 Developer Credit OR $1,500 credit plus $500 Disney Gift Card
250 points:  $3,000 Developer Credit OR $2,500 credit plus $500 Disney Gift Card
300 points:  $4,750 Developer Credit OR $4,250 credit plus $500 Disney Gift Card

The total value of the Developer Credit and credit + gift card options is identical.  The Disney Gift Card is to be provided shortly after closing.  Note that the gift card offer requires a minimum down payment of at least 20% while the Developer Credit option can be selected with as little as 10% down.  Closing costs also apply.

These offers are scheduled to run through January 30, 2018 but are subject to change at any time.  For complete details, contact a Disney Vacation Club sales representative.  

 

Reader Comments
Re: New direct purchase offers include $500 gift card -- denlo
2017 Nov 01 11:19:40 AM
I don't really see the advantage to accepting the gift card as it just means you have to come up with more dollars to pay for the points you are purchasing. So as an owner I add on 125 points at Copper Creek, which costs $22,000 - $750 = $21250. My 125 points really cost me $170 per point.

However, if I accept the gift card, my purchase would cost $21750. And my points really cost me $174 per point.

It definitely does not sound like a good deal to take the gift card.
Re: New direct purchase offers include $500 gift card -- kazrak
2017 Nov 01 08:46:17 PM
denlo wrote:
I don't really see the advantage to accepting the gift card as it just means you have to come up with more dollars to pay for the points you are purchasing. So as an owner I add on 125 points at Copper Creek, which costs $22,000 - $750 = $21250. My 125 points really cost me $170 per point.

However, if I accept the gift card, my purchase would cost $21750. And my points really cost me $174 per point.

It definitely does not sound like a good deal to take the gift card.

It certainly makes no sense if you're paying cash. If you're financing, you can kind of view it as a 'cash-out' finance offer, where that $500 is given to you but rolled into your loan. Even so, it doesn't make a lot of sense given that you need a larger down payment to get the card (20% vs. 10%). So, you know, make a slightly smaller down payment and keep the $500 as cash? I could maybe see it if they give a better interest rate for 20% down, but that's really stretching it.

Still, I'm sure there are people who'd take the deal.
Re: New direct purchase offers include $500 gift card -- denlo
2017 Nov 02 08:22:13 AM
To me you are taking a loan for a gift card that is never financially beneficial IMO. It just encourages debt.
Re: New direct purchase offers include $500 gift card -- KNWVIKING 2.0
2017 Nov 02 11:05:30 AM
denlo wrote:
To me you are taking a loan for a gift card that is never financially beneficial IMO. It just encourages debt.

Car manufacturers have been offering rebates for years. Typically your best deal is to roll the rebate into your down payment, but there are times when rebates can be combined with killer interest rates and taking a $2000.00 cash rebate only ups your monthly payment by $35.00 bucks.

$2000.00 will buy you more Churros and Turkey Legs today rather than waiting 5 yrs to save $35 a month.

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