The very best bank cards for Disney and Common holidays

From Disney World in Florida to Common Studios Hollywood and Dollywood to Knott’s Berry Farm in California and past, there are usually greater than 500 million annual visits to theme parks worldwide in a traditional yr.

Tickets to most of the big-name parks typically high $100 per day, and within the case of Disney World, costs go as excessive as $189 for a single-day ticket on the busiest dates. This implies there are simply billions of {dollars} spent yearly on theme park tickets, to not point out all the opposite associated prices of going to a theme park. That is lots of spending ripe for incomes rewards or utilizing factors to offset a few of the price.

With that in thoughts, listed below are one of the best bank cards for Disney journeys, Common Studios holidays and different theme park adventures.

(Photograph by Melissa Ann Images)

The place you purchase theme park tickets issues

It might sound like we’re beginning with pointless particulars, however one of the best bank card for theme park ticket purchases relies upon closely on how the acquisition will code in your bank card. And which means the place you purchase your theme park tickets issues. That mentioned, the most probably bonus classes for theme park tickets are entertainment or travel.

When buying park tickets instantly from the theme park, the cost will most probably code as an leisure buy. On some bank cards, leisure will code as a journey cost, however most frequently, it doesn’t.

Nonetheless, if you are going to buy park tickets from a journey company (equivalent to Undercover Tourist), cost them to your lodge room or embrace them as half of a bigger trip package deal, the percentages are excessive that the acquisition will code as a journey cost.

This issues as a result of in case you paid with the Chase Sapphire Reserve and your $500 ticket buy coded as journey, you’d earn 1,500 Final Rewards factors (3 factors per greenback). If the acquisition coded as leisure, you’d earn simply 500 factors as a non-bonused class on that card.

Associated: Why you might want to use a Disney Vacation Planner

(Screenshot courtesy of Chase)

Greatest bank cards for Disney

Greatest bank cards for incomes factors at Disney

In case you’re paying for this Disney journey with money and need to rewards to be used sooner or later, listed below are are one of the best bank card choices:

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  • Capital One Savor Cash Rewards Credit Card: 4% again on leisure bills.
  • Venmo credit card: 3% again within the class you spend probably the most in that month, with two choices for leisure and journey. The cardboard additionally gives 2% money again within the eligible class you spend the second most in that month, making it a fairly strong possibility for while you take a giant theme park journey.
  • Citi Prestige® Card (not out there to new candidates): 5 factors per greenback at journey companies, so finest when buying from a web site like Undercover Vacationer or different journey companies.
  • Disney Visa: 2% again on most Disney purchases, however you possibly can earn larger rewards with different playing cards.

The data for the Capital One Savor Money Rewards Credit score Card, Venmo bank card, Citi Status card and Disney Visa card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.

Greatest bank cards for utilizing a journey credit score at Disney

If you wish to use the $300 Chase Sapphire Reserve credit on a Disney World or Disneyland journey, it is best to make use of it both for a hotel-only or a lodge + tickets package deal you e-book instantly with Disney or by way of a journey agent, like TPG’s partner Mouse Counselors.

If you’re simply out there for Disney tickets, you possibly can often use your Sapphire Reserve journey credit score to get these by going by means of a web site like Undercover Vacationer.

To make use of the annual, as much as $300 travel credit from Capital One Venture X, you must e-book eligible journey by way of Capital One’s journey web site. Fortunately, this web site does typically show Disney World resorts for reserving.

Associated: For no-cost help reserving your Disney trip, you possibly can contact TPG’s travel booking partner Mouse Counselors.

Greatest bank cards for utilizing factors at Disney

The dangerous information upfront: not all bank card factors work for a visit to Disney.

For instance, Chase Final Rewards factors aren’t very helpful for the Disney parts of journeys, equivalent to Disney tickets or Disney resorts. Nonetheless, Bilt Rewards factors and Capital One Enterprise miles are helpful for utilizing factors at Disney.

Bilt Rewards points can be redeemed at a price of 1.25 cents per level in direction of Disney tickets and resorts within the Bilt journey portal, making this foreign money probably the most priceless factors for Disney holidays.


With Capital One, you can even e-book Disney resorts on that journey reserving web site (very similar to with Bilt), however at a price of 1 cent per mile. Nonetheless, since you can even use the miles to offset any journey cost in your card, you can even e-book instantly with Disney or elsewhere (so long as it codes as journey) and use factors at a price of 1 cent per mile redeemed.

This additionally opens up the potential of renting Disney Vacation Club points from a web site like David’s Vacation Club to economize in your Disney lodging over Disney’s money costs whereas utilizing credit score factors to offset the expense.

Professional tip: The Swan, Dolphin and Swan Reserve are on Disney property and include many Disney perks. Given they’re within the Marriott household, you should use your Marriott factors to remain on Disney property. The variety of factors per evening to remain at Marriott resorts varies, with the lowest-priced days beginning at round 40,000 factors per evening. This makes the Marriott Bonvoy Boundless® Credit Card and Marriott Bonvoy Brilliant® American Express® Card nice bank card selections if you would like this on-site lodging possibility.


Greatest bank cards for Common Studios

The identical bank cards which might be finest for Disney holidays additionally make the minimize as one of the best for Common Studios journeys. Nonetheless, Common holidays have a couple of added choices that Disney doesn’t have. Notably, you should use Chase Final Rewards factors to e-book Universal Studios hotels and theme park tickets.

This implies you possibly can redeem factors from the Chase Sapphire Reserve® at a price of 1.5 cents per level to remain on-site at Common and even choose up your theme park tickets by way of the Chase journey portal. The Chase Sapphire Preferred® Card could be one other good bank card for a Common Studios journey as its factors could be price 1.25 cents every towards on-site resorts and theme park tickets.


Associated: Guide to visiting Universal Orlando

Different: Use one of the best card for on a regular basis spending

In case you aren’t certain how a cost from a theme park will code and also you need to ensure and earn rewards, think about using a strong card for everyday spending.

TPG’s founder Brian Kelly did that when he purchased a pricey Disney VIP tour utilizing his Chase Freedom Unlimited. Incomes 1.5 factors per greenback was a certain wager on racking up factors on that hundreds of {dollars} cost.

* Worth of rewards primarily based on TPG valuations and never supplied by the issuer.

Backside line

Having enjoyable at a theme park is fairly straightforward, however discovering one of the best offers and maximizing the advantage of your bills are extra nuanced planning duties. There’s nobody finest bank card for theme parks, however there are some strong choices relying on the place you need to go and the way you might be buying your tickets. Selecting fastidiously can prevent cash in your subsequent Disney or Common journey or earn additional rewards to make use of subsequent time across the Ferris Wheel.

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