Best Credit Cards for Disney: A Simple Guide

Planning a Disney trip involves various expenses, and choosing the right credit card can make it more affordable and rewarding. Here’s a straightforward overview of the best credit cards for different aspects of your Disney experience.

## 1. **Bank of America® Premium Rewards® Credit Card**

   – *Best for*: Covering purchases with points for those with Bank of America Preferred Rewards® program status.


## 2. **Bilt Mastercard®**

   – *Best for*: Using points to pay for Disneyland with no annual fee.


## 3. **Capital One Savor Cash Rewards Credit Card**

   – *Best for*: Cash back on theme park tickets.


## 4. **Capital One Venture X Rewards Credit Card**

   – *Best for*: Using a travel credit on Disney hotels.


## 5. **Chase Sapphire Reserve**

   – *Best for*: Using a travel credit for hotels or hotel-and-ticket packages.


## 6. **Citi Premier® Card**

   – *Best for*: Discounts on Disney hotels through the Citi Travel portal.


## 7. **Citi Prestige® Card**

   – *Best for*: A fourth night free on Disney hotels in the Citi Travel portal.


## 8. **Disney Premier Visa Card**

   – *Best for*: Earning and redeeming Disney Rewards Dollars for on-property hotels and park tickets.


## 9. **Hilton Honors American Express Aspire Card**

   – *Best for*: Extra perks on stays at Hilton hotels and resorts near Disney parks.


## 10. **IHG One Rewards Premier Credit Card**

   – *Best for*: Stays at IHG hotels and resorts near Disney parks.


## 11. **Marriott Bonvoy Boundless Credit Card**

   – *Best for*: Stays at Marriott hotels and resorts near Disney parks.


## 12. **Platinum Card® from American Express**

   – *Best for*: Using hotel credits and unlocking perks at luxury properties near Disney.


## 13. **World of Hyatt Credit Card**

   – *Best for*: Stays at Hyatt hotels and resorts near Disney parks.


## 14. **Wyndham Rewards Earner® Plus Card**

   – *Best for*: Stays at Wyndham hotels and resorts near Disney parks.


*(Note: Information collected independently by The Points Guy. Card details not reviewed by the issuer.)

## **Using Travel Credits at Disney: Quick Tips**

– **Chase Sapphire Reserve:** Use the $300 annual travel credit for hotels or hotel-and-ticket packages directly with Disney or via a travel agent.


– **Capital One Venture X:** Book via Capital One Travel for the $300 annual credit, often including Disney World hotels.


– **Citi Cards:** Prestige and Premier offer annual credits for hotel bookings through Citi Travel.


– **Amex Platinum:** Up to $200 in hotel credits annually for Fine Hotels + Resorts and The Hotel Collection.


## **Using Points for Disney Tickets: What Works?**

– **Useful Points:** Bilt Rewards, Capital One Miles, Chase Ultimate Rewards, and Citi ThankYou points.


– **Bilt Rewards:** Book Disneyland and Disneyland Paris tickets in its portal.


– **Capital One Travel:** Book Disney hotels and pay with miles.


– **Chase Ultimate Rewards:** Redeem for Disneyland tickets.


## **Using Points for Disney Hotels: Strategies**

– **Disney Premier and Disney Visa:** Redeem Rewards Dollars for on-property hotels.


– **Marriott Hotels:** Use Marriott Bonvoy points for on-site lodging.


– **Off-Property Options:** Hilton Honors, Wyndham Rewards, and IHG One Rewards points for nearby hotels.


– **Various Travel Portals:** Citi Travel, Capital One Travel, and others allow points redemption for Disney hotels.


## **Paying for Disney Tickets: Best Credit Cards**

– **Capital One Savor Cash Rewards:** Earn 4% cash back on entertainment purchases, including theme park tickets.


– **Marvel Mastercard:** Earn 3% back on entertainment and theme park tickets.


– **Everyday Spending Cards:** Consider cards with good returns on general spending.


## **Best Credit Cards for Disney Meals**

– **Dining Category Cards:** Use cards with bonus points for dining expenses.


– **Travel Bonus Cards:** Some may not earn extra points at theme park restaurants.


## **Best Credit Cards for Flights to Disney**

– **Points and Miles:** Use them for free or discounted flights to Disney parks.

– **Explore Options:** Learn about getting started with points, miles, and credit cards.

### **Building Your Own Disney Credit Card Strategy**

– **Disney Rewards Dollars:** Useful for offsetting costs.


– **Sign-Up Bonuses:** Fastest way to earn large sums for travel expenses.


– **Flexibility is Key:** Mix various credit cards for a more versatile strategy.

## **Choosing Your Disney Credit Card**

– **Consider Expenses:** Evaluate all your Disney trip expenses, including theme park tickets and beyond.


– **Stay Flexible:** The best Disney credit card may not be a “Disney” card; a mix of points can offer more flexibility.

– **Choose Wisely:** Pick cards that align with your spending habits and travel goals.


Planning a magical Disney trip can be made more affordable and enjoyable with the right credit card strategy. Explore the options, consider your preferences, and make your Disney experience truly enchanting!




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