Ultimate Cash Back Rewards Strategy for Disney Vacations

There’s no perfect rewards credit card, but you can build a nearly perfect wallet. Different rewards cards have different strengths. Using them in concert is a great way to save for a Disney vacation. In this post, we’re going to highlight five different cash back credit cards we think you should consider. We would honestly recommend having all five, but we’ll give each one an award for where we think it excels.

Best First Year

Discover it Cash

The card earns 5% cash back in rotating bonus categories on up to $1,500 spent each quarter. It earns 1% cash back on everything else. But, Discover doubles all cash back earned in the first year. This means all of your purchases will earn at least 2% cash back and some will earn 10% in your first year.

Plus, Discover also has a shopping portal called Discover Deals where you can earn additional cash back. All of that cash back is doubled in the first year as well.

All of this in a card with no annual fee. If you use our referral link, you’ll get a $50 statement credit after your first purchase.

Best for Disney Gift Cards

Blue Cash Preferred

A favorite among many cash back enthusiasts, the Blue Cash Preferred earns 6% cash back at supermarkets on up to $6,000 spent each year. It earns another 3% back at gas stations and most department stores, and 1% back on everything else. The bonus at grocery stores is particularly lucrative because grocery stores are regularly running 4x fuel points promos on gift cards, including Disney.

Plus, the Blue Cash Preferred is an American Express which means you get access to Amex Offers. This lucrative rebate program regularly offers ways to save up to 20% on Disney gift cards.

While it has a $95 annual fee, the savings at grocery stores and access to Amex Offers more than make up for it.

If You Could Only Have One

Citi Double Cash

Some people don’t want to think about which credit card to use when they’re shopping. If the idea of building the perfect wallet just sounds like too much to remember, this is your card. The Citi Double Cash earns 2% on all purchases and has no annual fee.

Best Bonus Categories

Chase Freedom

The Chase Freedom is similar to the Discover it Cash. You earn 5% cash back in the form of Chase Ultimate Rewards on up to $1,500 spent in bonus categories each quarter. You earn 1% on everything else. Ultimate Rewards can be worth twice as much if you transfer the points to a card that has an annual feel like the Preferred or Reserve.

During the holidays, Chase regularly runs some 10% cash back bonuses. These have included Best Buy (a great place for Disney gift cards) and Walmart.

If you use our referral link, we’ll be your best friend, and that’s worth a lot.

Best for Disney Parks

Disney Visa

While it’s not actually a cash back card, if you’re earning rewards dollars for a Disney vacation, it’s basically the same thing. You’ll save between 10% and 20% on a variety of merchandise, dining, experiences, and tours at both Disney World and Disneyland. For a card with no annual fee, these savings can really add up on an expensive Disney vacation. While the card isn’t one we recommend for purchases outside of Disney parks, we love the savings and perks in the parks.

If you use our referral link, you can get a $200 sign up bonus.