Top Credit Cards for Disney Vacations on Points

The (In)Frequent Flyer

Is This You? You don’t fly very often, so you need miles to get to Disney.

What You Need: You need the Southwest Plus Card because Southwest Airlines has the most affordable flights on points for most people across the country. It’s not uncommon to find round trip flights on Southwest from places like Dallas, Houston, Chicago, or Seattle to Orlando or Orange County for 6,000 to 7,000 Southwest Rapid Rewards. Why pay 25,000 miles with United or Delta when you could fly three or four people for the same number of miles on Southwest? Imagine what you could do with the 50,000 miles that comes with this card!

Our Review of This Card: Southwest Airlines Plus Card Review

The First-Timer

Is This You? It’s your first time to Disney and it feels like a whole new world.

Starwood Preferred Guest
What You Need: You need the Starwood Preferred Guest Card because the most important thing for a first-timer is location, especially at Disney World where you’ll want access to Disney transportation. With the Starwood card, you have the ability to stay on points at two of our favorites in our Top 10: the Dolphin and Sheraton Park Anaheim. The Dolphin is situated between Epcot and Hollywood Studios. The Sheraton Park Anaheim is less than a mile walk to Disneyland. Take a look at our Top 10 for strategies on both of these properties, but you can get over $1,000 in free hotel stays pretty quickly.

Our Review of This Card: Starwood Preferred Guest Card Review

The Local

Is This You? You don’t need flights or a hotel, but you do need an annual pass.

What You Need: The Citi Double Cash is a huge improvement over either of the Disney credit cards which only give around 1% to 1.5% on average in “Disney Dollars.” The Citi Double Cash gives a flat 2% back on all purchases, IN CASH! With no annual fee and a great earning rate, this card is hard to beat for taking a big chunk out of the cost of those ever-rising park ticket costs.

Our Review of This Card: Citi Double Cash Review

The Large Family

Is This You? You’re a family of five or more and need more space.

What You Need: You need the Hilton HHonors Surpass Card. Hilton has the best brands for large families, including: Homewood Suites, Embassy Suites, DoubleTree Suites, and Home2 Suites. You can often get a hotel with two queen beds, a sofa bed, free breakfast, and a full kitchen. The free breakfast and full kitchen alone can save you a fortune when you’re trying to feed a small army. The Homewood Suites in Anaheim is in our Top 10 for this very reason. The 100k sign up bonus lasts until May 4th, so don’t miss out!

Our Review of This Card: Hilton HHonors Surpass Card Review

The Road-Tripper

Is This You? You have a car and you don’t mind driving to save a few dollars.


What You Need: There are some very good deals to be had when staying just a little ways from Disney World or Disneyland. Two we love: Hyatt Place Orlando/Convention Center and Hyatt House Cypress Anaheim. Both are a 15-20 minute drive from their respective parks and are super cheap on points. They’re only 8,000 points per night, but would cost you $150 to $200 if you paid cash. The Chase Sapphire Preferred comes with a signup bonus of 55,000 points and these can be transferred to Hyatt. With 55,000 points, you can quickly get a free week at either hotel. This deal is so great, it’s #2 in our Top 10.

Our Review of This Card: Chase Sapphire Preferred Review

Water Park or Bust

Is This You? If there’s a lazy river or a water park, you’re in!


What You Need: You need the Wyndham Rewards Card. We love the Wyndham Grand Orlando Resort Bonnet Creek (a four-star resort!) and the Howard Johnson Anaheim Hotel and Water Playground. The Wyndham is a legit waterpark with a lazy river and water slides, while the Howard Johnson is directly across the street from Disneyland and great for families with smaller kids. Both are 15,000 points a night and would cost around $200 a night without points.

Our Review of This Card: Wyndham Rewards Card Review