What’s In Our Wallet (2019)

Disney Chase

We love sharing with you the tips and tricks for using rewards cards to save on Disney vacations. Here are the cards we’re personally using. We have three basic categories: Cash, Ultimate Rewards, and Amex Offers.


Discover it Cash x 2

Every vacation has some out of pocket expenses. The Discover it Cash card earns 5% in rotating categories on up to $1,500 spent each quarter. And, it has no annual fee. We have two of these cards, doubling the amount we spend and earn 5% cash back.

If you use our referral link, you get a $50 statement credit after your first purchase.

Chase Ultimate Rewards

One of the primary ways we earn points for Disney vacations is with Chase Ultimate Rewards. The most effective way to earn points in this program is with a multi-card strategy. With these Chase cards, the bonus categories are complementary, helping you maximize the number of points you can earn. Plus, some cards with annual fees offer better redemption options and you can transfer all the points you’ve earned into those cards.

Chase Freedom x 2

The Chase Freedom works just like the Discover it Cash. You get 5% cash back in rotating categories each quarter. However, the cash back comes in the form of Ultimate Rewards points that you can redeem for cash.

We use two Chase Freedom cards to earn tons of Ultimate Rewards.

Sapphire Preferred

┬áThe Chase Sapphire Preferred earns two Ultimate Rewards on travel and dining purchases. But, that’s not what makes this card valuable. Ultimate Rewards can be combined. And the Sapphire Preferred has better ways to spend the points than the Chase Freedom. It allows you to transfer points to travel partners like Hyatt, Southwest Airlines, JetBlue, United and more. You also get a bonus when you book travel directly through Chase. When you combine your points from your Chase Freedom cards or others in your Sapphire Preferred account, they can now be worth as much as double.

Chase is giving 50,000 points as sign up bonus for this card. If you use our referral link, you get the same great deal and we get some points for referring you. Thanks!

World of Hyatt Credit Card x 2

One of our favorite partners to transfer our Ultimate Rewards to is Hyatt. They’re worth a lot, so your points stretch a long way at some really nice hotels.

Plus, you can get two extra free nights per card pretty quickly. You get one just for paying your annual fee each year. You get another free night if you spend $15,000 on the card in a year. We actually use this card for purchases that don’t have a category bonus. Our goal is to get four free nights, two from each card.

Until January 9th, Chase is giving a sign up bonus of 60,000 points. Just like the Sapphire Preferred, if you use our referral link, you get the same great deal and we get some points for sending you in the right direction. Thanks!

Amex Offers

SPG American Express

We also keep the Starwood SPG (Marriott) American Express for the Amex Offers. It’s the rebate program from American Express. We save 5-6 times the cost of the annual fee using Amex Offers. Most commonly, we use it to buy discounted Disney gift cards. When one of the stores offering a rebate sells Disney gift cards, we take advantage and save on our next vacation.

Plus, American Express gives you a free night at any Marriott hotel that costs 35,000 points per night or less.

Last But Not Least

We also keep a no annual fee Disney Visa. You get a $200 statement credit when you use a referral link. But, the real value is in the perks. The reserve character meet & greets and discounts at the parks on dining and merchandise is where we use this card on vacation.