Monday, April 1, 2024

The best credit cards for your Disney vacation

disney cruise credit card

If you’re not sure what room to book, Disney Cruise Line offers detailed looks at each ship’s stateroom options in the Our Ships tab online. Disney cards are on the Visa network and can be used anywhere Visa is accepted, not just with Disney. However, you’ll get the most value out of the card when you’re spending with Disney. While a standing 10% discount at the Disney store is a nice deal, there are many — and we do mean many — restrictions on what you can get 10% off of. Despite the fine print, this is a nice perk to save if you’re picking up some Disney tees or costumes to wear to the parks or want to stash away toys to surprise your kids once you get there. For more details, please see our full review of the Bank of America Premium Rewards credit card.

Discover the magic of a Disney Parks family vacation from one of our knowledgeable online panelists.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply. If we used the Disney Visa Card to pay eligible utility bills, we’d earn 4% on those bills through August 31, for a maximum of $500 rewards back. In anticipation of the 100th anniversary of The Walt Disney Company in 2023, the three companies also announced that a new, limited-edition card design for the Disney Premier Visa Card will be released in January 2023.

Card Benefits

Her family vacation information, reviews, and tips provide insight for moms and dads everywhere. You can read more about her story, including her journey through breast cancer, in the about me page. One of the best ways to maximize your cruise experience is by using the Disney Cruise Key to the World card. This handy little card lets you access your stateroom, make charges on your account, and more. Generally, no, Disney cruises don’t get cheaper closer to the sail date. While you may occasionally find a last-minute deal, it’s better to book as far ahead of time as possible.

Disney Visa Card — Full Review [2024] - Upgraded Points

Disney Visa Card — Full Review .

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Save 10% on select merchandise and dining at Disney theme parks and resorts

disney cruise credit card

Additionally, most programs allow you to redeem points for a statement credit to reimburse yourself for purchases where you couldn't pay with points. Before we jump into the best credit cards for Disney spending, it's worth pointing out that the right credit card for your Disney trip could change during your trip, as it depends on what you're paying for and where you are paying. More precisely, it depends on how that transaction codes on your credit card. The Disney Premier card could be good for those who would rather save money for Disney trips than other types of travel, or it could make sense for those who want special financing arrangements.

Explore Additional Benefits

These may or may not be on sale, which is another discussion, but there are ways to make these purchases rewarding beyond just sales. How you buy them matters, as the best Disney credit card likely doesn't say "Disney" on the front. Citi Prestige cardholders can use their fourth-night-free perk twice a year for bookings in Citi's travel portal. Luckily, most Disneyland and Walt Disney World hotels appear in this portal. The most likely bonus categories for theme park tickets are entertainment and travel. At Walt Disney World, Disney Visa cardholders can save up to 35% on stays at select hotels this summer.

Do Disney cardholders get discounts?

The last time Free Dining was offered, there was a “second chance” window for booking select dates of the promotion that was exclusive to Disney Visa Cardmembers. We’re not positive of what to expect for 2023, as it’s possible Free Dining won’t even return until 2024. Regardless, the early booking and extended date range is potentially a huge perk if you’re able to take advantage. Right now, there are several different Star Wars Disney Visa credit card options, including Baby Yoda from the Mandalorian on Disney+. The Cruise Privileges Program works with a dozen major cruise lines, like Royal Caribbean, Holland America and Crystal. When you call this specific department at American Express and book with your card, you’ll earn 2X points on the price of a cruise.

The best credit cards for booking cruises - The Points Guy

The best credit cards for booking cruises.

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In addition to all the ways to use the rewards if you have the Disney Visa, Disney Premier Visa cardholders can also redeem Disney Rewards Dollars for a statement credit for air travel purchased with the Disney Premier Visa. Disney Visa Card purchases earn 1% in Disney Rewards Dollars, which are equal to $1 each and can be used a bit like a Disney gift card. Disney parks and resorts, on Disney Cruise Line, at DisneyStore.com, and on movies at AMC Theatres. One of the easiest and best ways to book a Disney cruise with points is by using Capital One miles. Simply book your cruise (through any method) using a card such as the Capital One Venture Rewards Credit Card, Capital One Venture X Rewards Credit Card, or Capital One VentureOne Rewards Credit Card. Then use the miles in your account to redeem against your cruise purchase (within 90 days) at a rate of 1 cent per mile.

Pay With Disney Gift Cards

The trip must be charged to the Chase Sapphire Reserve to be eligible. Whether you visit Disneyland in California or Disney World in Florida, here are our picks for the best credit cards to use for a Disney vacation. Surprisingly, the cards we recommend for a Florida vacation are not the same that are best for a West Coast Disney visit. Forbes Advisor uses data from various government agencies to determine baseline income and spending averages across various categories. The 70th percentile of wage-earning households brings in $116,000 annually and has $36,177 in expenses that can be reasonably charged to a credit card. Rewards are earned in the form of Disney Rewards Dollars, which can be redeemed toward Disney goods and services.

Better airline credit cards for a Disney vacation

You may need flights, gas or a rental car, and you may not have enough Rewards Dollars to cover your lodging, meals and tickets. With the Ink Business Cash Credit Card, you'll get 5% back on the first $25,000 spent at office supply stores and on internet services, cable services and phone services each cardmember year (then 1% back). You can turn those earnings into Chase Ultimate Rewards points if you have a card that earns those points. The information for the Savor Cash and Marvel Mastercard has been collected independently by The Points Guy. If you have Chase Ultimate Rewards points, you can redeem these for Disneyland tickets but not Disney World tickets. The value of your points will vary from 1 to 1.5 cents apiece, depending on which card you have (with the Sapphire Reserve fetching the best value).

Disney Visa credit cards offer nice perks, special offers, and discounts (that we’ll discuss in detail below), which is the primary reason to get them. Even though we’re huge Disney fans, we don’t think either of the Disney Visas are good primary use credit cards. This is especially true if you’re looking to earn travel rewards to redeem on Walt Disney World, Disneyland, or other vacations. The Capital One Savor card is an ideal cash back credit card for those who love to splurge on bars, restaurants and an active social life. While you can get great Disney perks at the parks, it’s equally important to consider the Disney card benefits you can use to save on getting to Disney parks or making purchases ahead of your visit. Disney cardmembers get promotional financing on select Disney vacations, save 10% on qualifying shopDisney.com or Disney store merchandise, and earn Disney Rewards Dollars redeemable for nearly anything Disney — including park tickets.

You could also consider one of the other cards in the Southwest Airlines card family. For instance, the Southwest Rapid Rewards® Plus Credit Card offers the same bonus but fewer ongoing benefits, for a lesser per year fee than others. The easiest Disney card to get isn’t a credit card, but rather the Disney Debit Card. The Debit card has many of the same perks of the credit card, but only requires a checking account with Chase bank. We don’t recommend buying vacations with a credit card that you can’t pay off in full when the statement closes, but this could be a useful option for those who can pay off the balance within the promotional period. Many office supply stores, warehouse clubs (such as Sam's Club or Costco), Target, grocery stores and even home improvement stores sell Disney gift cards.

With it, you’ll earn 5% back automatically in your eligible top spending category per billing cycle, on up to $500 spent per cycle. Enrollment is required for the elite status with Marriott and Hilton. Plus, you can knock $200 off your room bill thanks to annual statement credits when you book either Fine Hotels + Resorts or The Hotel Collection properties through AmEx Travel. Many credit cards offer travel insurance, but Chase's complimentary coverage is some of the best. As long as you pay for your trip with the card, your eligible expenses may be reimbursed if your trip is canceled or interrupted due to a covered reason.

However, this discount has numerous restrictions, so it pays to read the fine print. If the rewards don’t cover everything, you can get 10% off select food, merchandise, and more when you use your Disney card at Disney parks. Since we only hold the Disney Visa credit card for its other benefits and not rewards, we don’t have the Disney’s Premier Visa. However, we also usually have 8 credit cards between us, and we charge very little to our Disney Visa since we do most of our spending with better performing cards. If you don’t expect to have many credit cards and think you’ll be able to hit the $4,900 threshold on the Disney Visa, we’d recommend getting that card. Using credit cards to earn rewards is only a pragmatic strategy if you can and will pay the balance of the card off in full each month.

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