Walt Disney World can very easily become a very expensive vacation. There are a few things we do here at Main Street Chat to help save on our Walt Disney World Vacations. Knowing what credit cards to use for Walt Disney World can really help make a vacation more affordable.
It’s All About the Credit Card Points. Here’s the best credit cards to use for Walt Disney World.
Below we have provided a list of the best credit cards to use for Walt Disney World. We use the points for everything from hotel rooms to paying for food.
This credit card earns 2 points per dollar spent. It’s more appropriate to think of it as earning 2% cash back, instead of points. Card holders can redeem points on hotels and flights. With this credit card there is a small annual fee of $95. Understandably, a lot of people don’t like credit cards with an annual fee. However, the sign up bonus alone is worth $500 and the first year fee is waived.
Personally, we use this credit card for all of our household expenses. Through the course of a year you can easily save up a couple hundred dollars or more by just paying your monthly bills. Typically we redeem our points by using our Venture card for any room charges. For example, when we use our magic bands to buy food or souvenirs in any of the Walt Disney World Parks it shows as a hotel charge and we can redeem points that way.
The Starwood Preferred AmEx has an initial sign up bonus of 25 thousand points. Occasionally, you may be able to find an offer for 35 thousand points. 35,000 points will easily get you three free nights at the Disney Swan and Dolphin Resort.
Earning star points is actually pretty simple. Future card holders immediately get enrolled in the Starwood Preferred Guest rewards program. Every dollar you spend at an SPG property will earn you 4 or 5 Star Points. You earn 2 points per dollar, automatically, for using your Starwood Preferred Guest American Express credit card on property. Additionally, you earn 2 points per dollar for being an SPG rewards member. For a total of 4 points.
If you happen to be a Gold status SPG rewards member you will earn 5 points per dollar spent. Gold Status can be obtained by having an American Express Platinum charge card. The other option is to complete 10 stays, or 25 nights, per year.
Beyond staying on an SPG property this card earns 1 point per dollar on all other purchases. It also has a $95 annual fee. Considering the signing bonus I think it makes the fee a non-issue.
The Citi double cash credit card is a flat 2% back credit card. Card holders will receive one percent upon purchase, and another one percent when the bill is paid. Points can be redeemed monthly or banked. Banking the points is a good option, that way you can use them to offset vacation costs. This card is great for anyone who doesn’t want to think too much about point redemption. It’s also great because there is no annual fee.
These two cards are great for anyone who is booking through Disney Travel or AAA. Customers are able to get six months no interest on all Disney vacation packages that are booked through these travel agencies. It must be a full package, including hotel and park tickets, to receive the 0% interest. Another option, if you are already an annual pass holder, is to get the 0% interest by booking the hotel with a Disney Dining Package.
Both credit cards earn 2 points per dollar on purchases with Disney. This includes the parks, resorts, cruises, and the Disney Store. All other purchases receive one point per dollar. There is an exception to this, however, which is explained below.
The Disney Premier Visa Card, with an annual fee of $50, also gets you 2 points per dollar at additional locations. These include, gas stations and grocery stores. We feel, that the real reason to go with the, Disney Premier Visa Card, is the $200 sign up bonus.
The free version of this card, the Disney Visa, gets a signing bonus of $50. Remember after the first year you can always downgrade the card. This is why we recommend going with the Disney Premier Visa card with the $50 fee. After the first year you can downgrade to the Disney Visa.
We only use our Disney Premier Visa Card for Disney purchases. Points are redeemable as a Disney redemption card . A redemption card is basically a Disney gift card. The redemption card is good for tickets, Disney Resort Hotels, The Disney Store, shopping or dining in the parks, and Disney Cruises.
These are our credit cards to use for Walt Disney World. Seriously, we don’t use cash to buy anything. Instead, we make all of our purchases on our credit cards and pay them off monthly. Learning what purchasing categories your rewards credit cards are good for, and how to maximize your point potential, can really save you a lot of money on your trips. In our next article I will be explaining how we used our credit card points to save us money. This includes our flight, hotel stay, and food at Walt Disney World.
I would like to make a special shout out to The Points Guy. He writes an amazing blog that has REALLY helped us learn how to use our credit card points properly. Check out his site to help you delve even further into how points are useful.
Keep in mind that this doesn’t end with Walt Disney World. Using your credit card points can open up a lot of doors when it comes to vacationing. Keep checking back in too see other articles. We will discuss redeeming points for flights and other major hotel brands. We hope you have an awesome rest of your day. Thanks for stopping by!