Disney Cards Vs Citi Double Cash

Picking the right rewards card can really add up over time. We used the Disney Rewards Visa for almost 10 years to help save for our Disney vacations. We put every purchase we could on the card, spending about $40,000 a year. After three years we’d have enough points to get the cost of a Disney vacation down to something we could afford. But, we could have saved a lot more money picking the right card.

Knowing many who read our site either have a Disney card or are thinking about one, we thought we’d investigate the difference changing credit cards can have on saving for a Disney vacation.

Since we would save points for three years for our Disney vacations, we decided to set this comparison up with the same timeline and same annual credit card spending ($40k).

Disney Rewards Disney Premier Citi Double Cash
Year 1 $450 $651 $800
Year 2 $400 $551 $800
Year 3 $400 $551 $800
Total Earned* $1,250 $1,753 $2,400

*Any sign up bonuses or annual fees have been added/subtracted from the table above.

Behind the Numbers

Disney Rewards – This card currently offers a $50 Disney gift card after you make your first purchase and has no annual fee. It earns 1% back on all purchases in the form of Disney Dream Rewards Dollars.

Disney Premier – The Disney Premier offers a $100 Disney gift card after you spend $500 in the first three months and it comes with a $49 annual fee. It earns 2% back on purchases at grocery stores, gas stations, restaurants, and Disney locations, and 1% on all other purchases in the form of Disney Dream Rewards Dollars. For the calculations above, we have assumed that half the purchases would come in the 2% category and half in the 1% category.

Citi Double Cash – The Citi Double Cash has no sign up bonus and no annual fee. It earns 2% back in cash on all purchases, giving you 1% right when you swipe your card and another 1% when you pay it off.

Final Thought

You can see from the table above how much of a difference picking the right card can make. Instead of a Disney vacation every three years with the Disney Rewards card, we could have gone every 18 months or two years.

There are cards with huge sign up bonuses that can get you to Disney a lot faster. We’ve used the Citi Double Cash in this comparison because it earns cash back, making it an easy comparison to the Disney cards. The Citi Double Cash is a great card for the long-term, helping you save for your annual or bi-annual trip. But, if you’re looking for something to help you get to Disney quickly, take a look at our Top 10 with our favorite ways to use big sign up bonuses.

Citi Double Cash

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  • What kind of points: Cash
  • Sign Up Bonus: None
  • Annual Fee: $0
  • How to Earn Points: Earn 1% cash back on purchases and another 1% when you pay those purchases off (2% total)
  • Value of a Point: 1.0 cents
  • How to Spend Points: Redeem for Cash
  • Our favorite Use: Pay for Disney Vacation Packages