Best credit cards for Disney vacations of May 2022

Rewards, welcome bonuses, $0 annual fees and even introductory 0% APRs make these credit cards the best for your Disney vacation, helping bring the magic of Disney a little closer without quite so hefty a hit to your wallet.
Brooklyn Lowery, CardRatings Senior Manager
Terms apply; see the online credit card application for full terms and conditions of offers and rewards

best credit cards for Disney vacations A Disney vacation can be the source of family memories that will last a lifetime. It can, however, also be the source of debt that seems to last just as long. It's no secret that a journey to visit everyone's favorite mouse can put a serious dent in your wallet, but we have good news! If you play your (credit) cards right and utilize one of our top picks for the best credit cards from our partners for Disney vacations, your journey could be significantly less expensive and could even provide a nice bank of rewards to help you pay for your next trip, whether to a Disney destination or elsewhere.

Depending on your travel and activity habits, the right credit cards can generate significant cash back and other rewards, including help paying for future trips. For those of you who are genuine Disney junkies, having a Disney Rewards-specific card in your wallet could prove ideal, but you don't need to be on a first-name basis with the clerk at the Winnie-The-Pooh Gift Shop or have had Sleepy, Grumpy and Sneezy in your wedding party to reap rewards from your Disney vacation (or to pay for your Disney vacation with credit card rewards).

TOP DISNEY REWARDS CREDIT CARDS

Below you'll find several cards that would be an excellent addition to your wallet for your trip to the Happiest Place on Earth or any other vacation spot that strikes your fancy. We offer a number of options depending on your level of Disney commitment and your personal credit card preferences.

BEST GENERAL TRAVEL REWARDS CREDIT CARD

5
About Our Ratings

Why It's a Good Card for Disney Vacations: The miles you earn with this card – and it is easy to earn them – can be redeemed for any travel expense by simply requesting statement credit to cover all or part of a qualifying expense. That means you can, quite literally, pay for your Disney vacation with the card. Just purchase your tickets or hotels with your card and then request statement credit to cover the cost.

The Bonus: Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within three months from account opening. That's worth up to $750 in travel statement credit, which can go a long way toward helping pay for your Disney getaway. Furthermore, you could transfer those miles to one of several airline partners, which might even increase their value.

Foreign Transaction Fees: None

The Rewards: Earn two miles per $1 spent on every purchases.

The Annual Fee: $95

Credit Needed: Excellent, Good

PROS:

  • Flexibility is a huge factor with this card. Any qualifying travel purchase, from RV rentals to resort fees and more, can be qualifying purchases for which you can redeem rewards.
  • It's rare to find a Global Entry application reimbursement perk through a card with this low of an annual fee, so this is an especially nice feature.
  • The ability to erase your travel purchases or transfer your miles to travel loyalty partners makes this card's rewards very easy to use.

CONS:

  • This card's rewards program is certainly simple – two miles on every purchase ‐ but there are more lucrative ones out there. Weigh whether the simplicity is worth possibly fewer rewards overall or whether you're willing to invest a bit more time (and possibly a larger annual fee) to earn more rewards.
  • The introduction of hotel and airline travel partners gives cardholders options, which is great. But the partners aren't necessarily the biggest or most popular brands. Make sure those transfer partners fit your needs.

Read our full Capital One Venture Rewards Credit Card review.

Current Scores Past Scores (avg.)
Overall Score 81.9 83.0
Rewards Program Satisfaction 8.2 8.1
Customer Service 8.2 8.3
Website/App Usability 8.0 8.5
Likelihood of Continuing to Use 8.5 8.9
Recommend to a Friend/Colleague 8.1 8.4

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

BEST FOR TRIP INSURANCE

5
About Our Ratings

Why It's a Good Card for Disney Vacations: No one wants to cancel or postpone and trip, but it does happen. This card offers some of the best included trip cancellation/interruption coverage out there. While it doesn't cover everything (you'll want a separate trip insurance policy for that), it does offer broader protections than many cards on the market. Plus, Chase Ultimate Rewards points are extremely flexible in that they transfer to many frequent flyer and hotel loyalty programs. That means you aren't tied down to a single brand with this card and that could help you map out a vacation that includes more than just a Disney theme park.

The Bonus: Earn 80,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards.

Foreign Transaction Fees: $0

The Rewards: Earn 5X total points on all travel purchased through the Chase Ultimate Rewards® portal; 3X points on dining, including eligible delivery services and takeout; 3X points on online grocery purchases (excluding Target, Walmart and wholesale clubs); 3X points on select streaming services; 2X points on travel purchases; and 1X point on all other purchases.

The Annual Fee: $95

Credit Needed: Excellent, Good

PROS:

  • As a Sapphire Preferred® cardholder, ALL of your Ultimate Rewards® points can be worth 25% more when redeemed through the Ultimate Rewards portal. Just transfer points earned with your other Ultimate Rewards cards to the Sapphire Preferred® bucket.
  • An extra 25% value on your rewards is a nice perk, but there are also several hotel and airline loyalty program transfer partners, so you might be able to make your rewards go even further.
  • This card offers included trip cancellation insurance when you book your travel on the card (conditions apply). This perk could save you a LOT of money. Learn more about credit card travel insurance.

CONS:

  • The welcome offer for new cardholders is quite impressive, but the spend threshold required to earn it may be difficult for some users.
  • This card charges an annual fee; ensure it's actually meeting your earning and redemption needs so you can fully offset that fee and take full advantage of the perks and features.

Read our full Chase Sapphire Preferred® Card review.

Current Scores Past Scores (avg.)
Overall Score 75.9 83.4
Rewards Program Satisfaction 7.5 8.3
Customer Service 7.9 8.5
Website/App Usability 7.7 8.1
Likelihood of Continuing to Use 8.2 8.9
Recommend to a Friend/Colleague 7.1 8.1

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

 

EDITOR'S NOTE

By the way, we recommend combining this card with Chase Freedom Flex℠ and/or Chase Freedom Unlimited® to earn top rewards in categories beyond travel and dining. Use Chase Freedom Flex℠ strategically to earn 5% back on up to $1,500 spent in quarterly rotating categories when you activate and use Chase Freedom Unlimited® to earn 1.5% back on other purchases that don't earn more with Chase Freedom Flex℠ or Chase Sapphire Preferred® Card. Lastly, transfer all your points to your Chase Sapphire Preferred® Card where your points are worth 25% more when redeemed for travel through Chase Ultimate Rewards®.


BEST INTRO 0% APR ON PURCHASES TO FINANCE YOUR DISNEY TRIP

5
About Our Ratings

Why It's a Good Card for Disney Vacations: We don't advocate paying for a vacation you can't really afford, BUT perhaps you can afford it given a little extra time to pay it off interest-free. That's what this card offers, a nice introductory 0% APR period on purchases and balance transfers (details below) as well as excellent rewards opportunities that will benefit you far beyond your Disney trip.

The Bonus: Earn an additional 1.5% cash back on every purchase during your first year (up to $20,000 spent) for a bonus worth up to $300 cash back. Additionally, take advantage of 15 months introductory 0% APR on purchases and balance transfers (then, 15.24% - 23.99% Variable)

Foreign Transaction Fees: 3% of each transaction in U.S. dollars

The Annual Fee: $0

The Rewards: Earning 3% cash back at restaurants makes this card a hit for foodies. In addition, you earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% back at drugstores and 1.5% back on your other eligible purchases.

Credit Needed: Excellent, Good

PROS:

  • Earning an uncapped 3% cash back on your dining purchases, including takeout and delivery, is a stellar earn rate on a no-annual-fee card. Remember that dining in the park and paying with your Magic Band is likely to code as a "theme park" or "entertainment" purchase; however, any restaurants off the property, or likely those at Disney Springs that you pay for directly with your card, will likely code as "restaurants."
  • No matter what code your purchase ultimately has, you'll earn at LEAST 1.5% cash back, which is quite nice if you're just wanting a simple approach to paying for your purchases will visiting the Mouse.

CONS:

  • If you're hoping to say bonjour to Mickey Mouse at Disneyland Paris, leave this card at home; it does charge foreign transaction fees.
  • While earning 5% back on travel booked through the Ultimate Rewards® portal is awesome, you don't earn much on your other travel purchases. To maximize your earning on your vacation, book your vacation with a true travel rewards card that will offer you a better return.

Read our full Chase Freedom Unlimited® review.

Current Scores Past Scores (avg.)
Overall Score 83.4 84.5
Rewards Program Satisfaction 8.3 8.4
Customer Service 8.4 8.6
Website/App Usability 8.3 8.4
Likelihood of Continuing to Use 8.3 9.0
Recommend to a Friend/Colleague 8.0 8.1

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

BEST AIRLINE CARD FOR DISNEY VACATIONS

Southwest Rapid Rewards® Premier Credit Card

(This card is not currently available on CardRatings)
4
About Our Ratings

Why It's a Good Card for Disney Vacations: Who doesn't like getting a nice "thank you" gift? This card not only has a nice introductory bonus, but also thanks you each year for your loyalty with 6,000 bonus points after your card member anniversary. And, given that Southwest doesn't charge baggage fees, feel free to bring along all your mouse-ear gear when you book your Disney vacation.

The Bonus: Earn 40,000 points when you spend $1,000 in the first three months. You'll also get a nifty bonus of 6,000 points each year after your card member anniversary. And, yes, all these points all count toward the points needed to earn a Southwest Companion Pass. Read more about Companion Pass®, a.k.a. travel rewards gold, in our "Guide to the Southwest Companion Pass."

Foreign Transaction Fees: $0

The Rewards: Earn three points per $1 on Southwest purchases as well as two points per $1 on local transit and commuting (including rideshares) and on internet, cable, phone services and select streaming and one point per $1 on other eligible purchases.

The Annual Fee: $99

Credit Needed: Excellent, Good

PROS:

  • Enjoy 6,000 bonus points after your cardmember anniversary.
  • That signup bonus gives you an opportunity to bank a nice cache of points toward a Companion Pass. Don't know what Companion Pass® is? Take a look at our Guide to the Southwest Companion Pass.Remember, you have to earn the points in a single calendar year to earn the pass.

CONS:

  • One of the big perks with many airline cards (and a way to quickly offset an annual fee) is a free checked bag. With Southwest, there's no charge for your first two bags anyway (we aren't complaining!) so you're going to need to find other ways to offset that fee.
  • If Disneyland Paris is on your agenda, Southwest will not be the airline to get you there. While it's list of destinations is expanding and does now include some international stops, they're limited.

Read our full Southwest Rapid Rewards® Premier Credit Card review.

Current Scores Past Scores
Overall Score 75.7 85.1
Rewards Program Satisfaction 7.5 8.4
Customer Service 7.2 8.6
Website/App Usability 7.6 8.2
Likelihood of Continuing to Use 8.0 9.1
Recommend to a Friend/Colleague 7.8 8.5

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

 

EDITOR'S NOTE

The card mentioned above is the middle-of-the-road Southwest card. Depending on how frequent a Southwest customer you are, you might benefit more from the Southwest Rapid Rewards® Priority Credit Card (This card is not currently available on CardRatings), which offers a higher annual card member loyalty bonus along with some additional perks/features, but you do pay a slightly higher annual fee. On the other hand, if you want a lesser annual fee with slightly lower card member loyalty bonus, you could consider the Southwest Rapid Rewards® Plus Credit Card (This card is not currently available on CardRatings) instead.


BEST HOTEL CARD FOR DISNEY VACATIONS

5
About Our Ratings

Why It's a Good Card for Disney Vacations: First things first, on-site Disney properties are their own thing and a branded card isn't going to be helpful – EXCEPT if we're talking about the Swan and Dolphin hotels at Disney World. Those are Marriott properties and you can redeem points and earn points for stays there, hence why this Marriott card is our pick for top hotel card for your Disney vacation. Additionally, Marriott has a good-sized footprint around both Disneyland and Disney World so this card could come in handy if you're planning an off-site stay at either of those parks.

  • Earn 3 Free Nights (each night valued up to 50,000 points) after qualifying purchases.
  • New Benefit! Earn 3X Bonvoy points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
  • New Benefit! Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
  • 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
  • Earn up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
  • 2X Bonvoy points for every $1 spent on all other purchases.
  • Receive 15 Elite Night Credits annually, automatic Silver Elite Status each account anniversary year, and path to Gold Status when you spend $35,000 on purchases each calendar year.
  • No foreign transaction fees.
See More

PROS:

  • The Marriott footprint is massive – the biggest in the world thanks to its merger with Starwood several years ago. That means that whether you're headed to a Disney park or pretty much anywhere else, there's likely to be a Marriott home away from home nearby.
  • Receive a free night (up to 35,000-point value) every year after your account anniversary – a perk that more than offsets the annual fee.
  • This is a fine card to take along if one of the international Disney parks is on your agenda as it doesn't charge foreign transaction fees.

CONS:

  • The Swan and Dolphin hotels at Disney World were Category 6 properties under Marriott's old reward system (it's been updated to more dynamic pricing), but you should still expect the redemption to be quite pricy. So, yes, they are Marriott properties and you can use rewards to stay there, but it will seriously deplete your points bank to do it.
  • At a glance, the rewards earning on stays appears astronomical at up to 17 points per $1 spent at participating properties, but the valuation of the points isn't great. It's a good reminder that big, flashy numbers don't always tell the full story.

Read our full Marriott Bonvoy Boundless® Credit Card review.

Current Scores Past Scores (avg.)
Overall Score 74.9 80.0
Rewards Program Satisfaction 7.5 8.0
Customer Service 7.6 8.1
Website/App Usability 7.8 8.0
Likelihood of Continuing to Use 7.9 8.3
Recommend to a Friend/Colleague 7.1 7.8

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

BEST CREDIT CARD FOR DINING WITH DISNEY

5
About Our Ratings

Why It's a Good Card for Disney Vacations: Disney dining isn't straightforward in terms of how you'll earn rewards – that's because any dining you do in the parks is likely to code as "entertainment" rather than dining. Enter the SavorOne card that offers you 3% cash back on both "entertainment" and dining purchases (as well as some other tings as discussed below). That means that no matter whether that character breakfast processes as entertainment or as dining, you'll know you're getting top rewards.

  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 15.24% - 25.24% variable APR after that
  • No foreign transaction fee
  • No annual fee
See More

PROS:

  • You can take this card to Tokyo Disney or any of Disney's other international parks and rest assured you won't pay foreign transaction fees while you're there.
  • If buying groceries and cooking in your room is your way to save money on a Disney trip, that's ok. This card rewards you with 3% back at grocery stores
  • Need a little more time to pay off your vacation? This card offers an intro 15 months 0% APR on purchases and balance transfers (then, 15.24% - 25.24% (Variable))

CONS:

  • This is a cash-back rewards card. That may be perfect for you, but it isn't going to rake in travel points that you can put toward your next vacation (though you can certainly put your cash back into a vacations piggy bank if you want)
  • Earning 3% cash back at grocery stores is nice, but it doesn't include "superstores like Walmart® and Target®," so be sure your regular spending works here."

Read our full Capital One SavorOne Cash Rewards Credit Card review.

Current Scores Past Scores (avg.)
Overall Score 78.3 85.2
Rewards Program Satisfaction 7.8 8.4
Customer Service 7.6 8.6
Website/App Usability 8.1 8.6
Likelihood of Continuing to Use 8.4 8.7
Recommend to a Friend/Colleague 7.9 8.5

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

BEST CARD FOR A DISNEY ROAD TRIP

5
About Our Ratings

Why It's a Good Card for Disney Vacations: If you're making a road trip out of your Disney adventure, you're going to want a credit card that rewards you handsomely for everything from fuel to road food to your hotels along the way and once you get to the park. This card does all that and more.

  • Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 60,000 Points are redeemable for $600 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
See More

PROS:

  • Once again, there are no foreign transaction fees to worry about (are you noticing a trend with these cards?)
  • There are a lot of opportunities to earn 3x the points with this card – many of which will come in handy for your Disney vacation (as well as many of the purchases that are part of your everyday life).
  • You can save with a $100 annual hotel savings benefit, that provides $100 off a single hotel stay of $500 or more each year. That's one one to signficantly offset your hotel stay at a Disney park.

CONS:

  • While there are a lot of opportunities to earn 3x the points, this card is still geared toward being out and about. If you mostly stay home (as opposed to going out to eat or traveling regularly), this card probably isn't your best option.
  • The Citi® ThankYou Rewards program offers the opportunity to redeem points for lots of different things in addition to the option to transfer points to a number of travel loaylty programs. Those transfer may ultimately yield the best value for your points, but may NOT offer the best options for a Disney vacation if you're wanting to pay with travel rewards. Learn more about the program in our Guide to Citi ThankYou® Points.

Read our full Citi Premier® Card review.

Current Scores Past Scores
Overall Score 76.7 Did not survey
Rewards Program Satisfaction 7.6 n/a
Customer Service 7.7 n/a
Website/App Usability 7.8 n/a
Likelihood of Continuing to Use 7.8 n/a
Recommend to a Friend/Colleague 7.8 n/a

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

Can credit card rewards help pay for a Disney vacation?

Absolutely, and it doesn't even have to be a Disney-specific credit card (though, there are those options too; see below). For instance, using a cash-back rewards card for your everyday purchases and committing to putting those rewards into a savings account specifically for your next vacation – Disney or otherwise – is one way to use your rewards to help pay for your vacation.

Another way to vacation with Disney using credit card rewards is to make good use of your cards' travel redemption options. Some cards, for example, allow you to redeem your rewards for statement credit to cover travel related purchases made on your card. Consequently, you could pay for everything from your flights to your theme park tickets to hotel stays to transportation to and from the airport with travel rewards. Other cards allow you to transfer rewards to hotel and airline loyalty programs, which could mean even more value for you as your plan your trip.

The bottom line is that credit card rewards are an excellent opportunity to offset some of the cost of a pricey adventure to the Happiest Place on Earth.

How to choose the best credit card for a Disney vacation?

Only you can determine which credit card or combination of cards are best to use for your Disney vacation, but there are a few questions you should ask in order to make the best decision. Conveniently, the first several of them are surprisingly similar to the questions you need to ask before applying for any credit card:

What does your credit history look like? Do you have a strong credit score or are you working on building/rebuilding your credit? Many of the top rewards cards require good/excellent credit to qualify, so make sure you know where you stand before applying for a particular card.

Where do you most often spend your money? Unless you live in a Disney theme park, it's safe to assume that your card will need to be useful to you daily and not just when you're roaming around the Magic Kingdom. Therefore, think about your everyday life before deciding on a card. If you never fly, there's no point in applying for an airline-branded card, but a card with excellent rewards on gas purchases might work well for you. Likewise, if you eat out all the time, but hit the grocery store only for necessities, consider a card that rewards restaurant purchases. The bottom line is that your current spending habits should inform which card you apply for; don't apply for a card thinking you'll change your habits just to fit into the reward structure.

Can you offset an annual fee? This question is kind of a follow-up to the spending question above. Will you spend enough on the card to earn enough rewards to offset any annual fee the card charges? For many people, the annual fee is worth it given the rewards earned and other perks the card offers, but that isn't everyone. Check for a no-annual-fee, "lite" version of a particular card if you see features you like, but don't think you'll be able to offset the fee.

Can you earn the bonus/welcome offer? Rewards cards frequently offer attractive signup/welcome bonuses for new customers, but they require that you spend a particular amount of money within a particular amount of time – often three months – to earn those bonus rewards. Don't be lured into a card with an flashy bonus offer only to find you'll never be able to spend the required amount in time to earn it. Most importantly, DON'T go into debt trying to earn a bonus offer! That's because any bonus you earn will be quickly eaten up in interest costs if you don't pay off the balance on your card each month.

When does Disney charge your credit card?

Disney charges your credit card at the time of your payment, just as occurs with any other purchase; however, when you pay for Disney purchases can vary.

  • Disney store purchases - charged at time of purchase
  • Disney vacation packages - You will pay a deposit at the time of booking and can then make deposits online or via phone leading up to your trip. Your vacation package balance is due 30 days before your trip
  • Disney room-only reservations - You'll pay the remaining balance at the time of check-in. Additionally, Disney will place an initial $100 hold on your card for estimated hotel incidentals during your stay

Disney's own site does a nice job of clearing up payment questions in their FAQ.

Compare Disney rewards credit cards

Since we are narrowing down the best credit cards for a Disney vacation, we should talk about two cards that are specific to Disney: Chase's Disney® Premier Visa® Card and the Disney® Visa® Card. Now, these could be great cards for the person or family who finds themselves traveling to a Disney destination multiple times a year or at least purchasing Disney merchandise on a regular basis, but they probably aren't the top cards for the person or family who goes to a Disney park every few years and likes to mix in other vacations in the off years.

But if you're an old-school Mickey Mouse Club fan, or if you've got some young pirates or princesses in your family, Chase's Disney rewards credit cards could help you rack up some big savings on your next vacation. Both cards offer perks like discounts on your Disney purchases, whether at a park or for Disney merchandise, and both allow you to earn rewards on everyday purchases, though the Premier version offers higher rewards on those everyday purchases.

Perhaps the most notable perk of Chase's Disney cards, though, is the 0% introductory APR offer when you use the card to finance select vacation plans. Book your tickets and hotel through Disney, and Chase will waive interest for the following six billing cycles. Here's a look at some basic details of these cards:

 

Disney® Premier Visa® Card

Disney® Visa® Card

 
Disney® Premier Visa® Card
Disney® Visa® Card
Annual Fee 
$49
$0
New Cardholder Bonus Offer

Earn a $300 statement credit after spending $1,000 on purchases in the first three months

Enjoy a $150 statement credit when you spend $500 in the first three months

Rewards
  • Earn 2% in Disney Rewards Dollars on gas, groceries, restaurants and most Disney locations
  • Rake in 1% on other purchases
  • Earn 1% in Disney Rewards Dollars on all purchases
Intro Purchase APR Offer

Take your time paying your balance with a 0% promotional APR for 6 months on select Disney vacation packages from the date of purchase (regular APR of 14.74% - 23.74% applies after the promo period)

Enjoy 0% promotional APR for 6 months on select Disney vacation packages from the date of purchase (regular APR of 13.99%-22.99% (Variable) applies after the promo period)

 

Which specific option is right for you depends upon your Disney connection, ie. how often you purchase Disney gear, whether you're a frequent Disney park visitor and more. That $49 annual fee for the Disney Premier Visa® Card, however, certainly isn't a bad fee, and you could likely recoup it quickly with that 2% back at gas stations, restaurants, grocery stores and most Disney locations. You can learn more in our full "Which Disney card is best?" head-to-head article.

However, if you don't plan on making your way to the Magic Kingdom every year (or shopping frequently at the Disney Store), other travel credit card or cash-back credit card offers may earn you even better rewards.

Survey Methodology: CardRatings commissioned Op4G in September and October 2021 to conduct surveys among 1,524 cardholders nationwide. CardRatings website analytics from Jan. 1, 2021-Aug. 31, 2021 were used to determine a selection of the most popular cards and additional cards were included to add survey breadth. Responses to each of nine questions were given on a scale of 1-10 and respondents' scores were then averaged under broad topics. To determine the overall score, responses from questions 1-8 were summed and the answer to "How likely are you to recommend this card to a friend, coworker or family member?" was double weighted. "Current Scores" reflect scores from the most recent survey; "Past Scores (avg.)" are the scores averaged over each prior year the card has been surveyed. "Past Scores" indicates a card has only been surveyed in one prior year.

Ranking Methodology: CardRatings experts review the fine print, details, perks, rewards and features of hundreds of cards and compare them side-by-side with similar cards. A card that makes an excellent balance transfer card may not make a great cash-back rewards card even though it offers those rewards. While the Best of the Year list is announced annually, that list – and all other “best of” lists on CardRatings – are regularly reviewed and updated as issuers change the terms and features of each card often.

Disclaimer:

The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.

This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.

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