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Best credit cards for Disney vacations of 2021

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.
Joe Taylor Jr., CardRatings Contributor Last Updated, December 8, 2021

best credit cards for Disney vacations A Disney vacation can be the source of family memories that will last a lifetime. But it can 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 there's 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).


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.


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 that 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 60,000 miles once you spend $3,000 on purchases within three months from account opening. That's worth up to $600 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


  • 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.


  • 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
Overall Score 81.6 84.4
Rewards Program Satisfaction 7.9 8.2
Customer Service 8.3 8.4
Website/App Usability 8.5 8.4
Likelihood of Continuing to Use 8.8 9.1
Recommend to a Friend/Colleague 8.1 8.6

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


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 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. That's $750 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


  • 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.


  • 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
Overall Score 82.3 84.4
Rewards Program Satisfaction 8.3 8.3
Customer Service 8.4 8.7
Website/App Usability 8.2 8.1
Likelihood of Continuing to Use 8.7 9.0
Recommend to a Friend/Colleague 7.8 8.4

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



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®.


About Our Ratings

Why It's a Good Card for Disney Vacations: We don't advocate paying for a vacation you can't really affored, 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 a one-time $200 cash-back bonus after you spend $500 on eligible purchases in the first three months you have the card (that's 20,000 Ultimate Rewards® points.) You can also earn 5% cash back on grocery store purchases, up to $12,000 spent, during your first year (excludes Target and Walmart purchases). Additionally, take advantage of 15 months introductory 0% APR on purchases and balance transfers (then, 14.99% - 24.74% 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


  • 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.


  • 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
Overall Score 82.8 86.2
Rewards Program Satisfaction 8.2 8.6
Customer Service 8.5 8.7
Website/App Usability 8.2 8.6
Likelihood of Continuing to Use 9.0 9.0
Recommend to a Friend/Colleague 7.9 8.4

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


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 stellar 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 after 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


  • Enjoy 6,000 bonus points after your cardmember anniversary.
  • That signup bonus gives you an solid jumpstart toward earning your 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.


  • 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 85.1 Did not survey
Rewards Program Satisfaction 8.4 n/a
Customer Service 8.6 n/a
Website/App Usability 8.2 n/a
Likelihood of Continuing to Use 9.1 n/a
Recommend to a Friend/Colleague 8.5 n/a

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



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, 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 instead.


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 + 10X total points on eligible purchases in select categories.
  • 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.
  • Automatic Silver Elite Status each account anniversary year. Path to Gold Status when you spend $35,000 on purchases each account year.
  • 15 Elite Night Credits each calendar year.
  • No Foreign Transaction Fees.
  • Earn unlimited Marriott Bonvoy points and get Free Night Stays faster.
See More


  • 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.


  • The Swan and Dolphin hotels at Disney World are Category 6 properties, meaning even an off-peak night will set you back 40,000 points (standard rate is 50,000 and peak is 60,000 points). 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
Overall Score 77.2 82.8
Rewards Program Satisfaction 7.7 8.2
Customer Service 7.8 8.5
Website/App Usability 7.5 8.5
Likelihood of Continuing to Use 8.2 8.3
Recommend to a Friend/Colleague 7.5 8.2

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


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. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023
  • 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; 14.99% - 24.99% variable APR after that
  • No foreign transaction fee
  • No annual fee
See More


  • 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, 14.99% - 24.99% (Variable))


  • 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
Overall Score 82.8 87.6
Rewards Program Satisfaction 8.3 8.6
Customer Service 8.4 8.9
Website/App Usability 8.2 9.0
Likelihood of Continuing to Use 8.4 9.0
Recommend to a Friend/Colleague 8.3 8.7

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


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 80,000 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
  • 80,000 Points are redeemable for $800 in gift cards when redeemed at
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
See More


  • 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.


  • 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 ore about the program in our Guide to Citi ThankYou® Points.

Read our full Citi Premier® Card review.

We have not polled this card yet, but would love to hear your thoughts on it if you are a cardholder. Comment below or email us at to share more about your experience.


Absolutely! And it doesn't even have to be a Disney-specific credit card (though, there are those options too; see below). 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 allow you to redeem your rewards for statement credit to cover travel related purchases made on your card; that means 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.


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, and 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. Make sure you know where you stand before applying for a particular card.

Where do you most often spend your money? Assuming you don't live in a Disney theme park, it's safe to assume that your card will need to be useful to you day in and day out, not just when you're roaming around the Magic Kingdom. 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. 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 is kind of a followup 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 often offer pretty fantastic 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. DON'T go into debt trying to earn a bonus offer! 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.


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.

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 can rack up some big savings on your next vacation.

Let's take a look at the two options side-by-side:



Disney® Visa® Card

Disney® Premier Visa® Card

Annual fee
Introductory offer
$100 statement credit after making your first purchase.
$250 statement credit after spending $500 within the first three months of account opening.
  • 1% back in Disney Rewards Dollars on all purchases, so $100 spent equals one reward dollar.
  • No limit on the number of reward dollars you can earn.
  • 2% back in Disney Rewards Dollars at gas stations, grocery stores, restaurants and most Disney locations.
  • 1% back on all other purchases.
  • No limit on the number of reward dollars you can earn.
Using rewards
Redeem rewards for all things Disney and Star Wars including toys, costumes and movies as well as toward Disney theme parks tickets, resort stays, cruises, dining at Disney restaurants and more.

Redeem rewards for all things Disney including toys, costumes and movies as well as toward Disney theme parks tickets, resort stays, dining at Disney restaurants and more.

Or redeem for statement credit toward airline travel.

Special financing
Enjoy 6 billing cycles of 0 interest from the purchase date of select Disney vacation packages.
Additional perks
  • Cardmember-only character photo opportunities with Disney or Star Wars characters at Walt Disney World® Resorts and Disneyland®.
  • 10% off select merchandise purchases of $50 and more at select locations and 10% off select purchases at Disney store and
  • 10% off select dining most days at the Walt Disney World® Resorts and Disneyland®.

Perhaps the most notable perk of Chase's Disney cards 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.

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.

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 actually earn you some even better rewards.

Survey Methodology: CardRatings commissioned Op4G in September and October 2020 to conduct surveys among 1,746 cardholders nationwide. CardRatings website analytics from Jan. 1, 2020-Aug. 31, 2020 were used to determine a selection of the most popular cards and additional cards were added 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.

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. does not review every company or every offer available on the market.