Best Credit Cards For Disney Vacations Of 2025 – Forbes Advisor


Chase Sapphire Reserve®: Best for Trip Protection

Rewards: Earn 5 points per dollar on flights and 10 points per dollar on hotels and car rentals when purchasing travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3 points per dollar on other travel and dining and 1 point per dollar spent on all other purchases.
Welcome offer: Earn 60,000 bonus points after spending $5,000 on purchases in the first three months from account opening.
Annual fee: $550

The Chase Sapphire Reserve® earns Ultimate Rewards, which are extremely flexible and can be transferred to select airlines and hotels to book award travel, redeemed as statement credits that are as good as cash, or used to book hotels, flights, car rentals and some experiences at 50% more value through Chase Travel℠. Collectively, that can lead to incredible savings when booking your Disney vacation.

You’ll also get built-in trip cancellation and interruption insurance on eligible expenses that can provide incredible peace of mind. Other ongoing benefits include up to $300 in travel credit annually and a Priority Pass Select membership.

Marriott Bonvoy Boundless® Credit Card*: Best for Disney Hotel Stays

Rewards: Earn 6 points per dollar at participating Marriott Bonvoy hotels, 3 points per dollar each year (up to $6,000 spent) on combined grocery stores, gas stations and dining purchases and 2 points per dollar on all other purchases.
Welcome offer: Earn 3 Free Night Awards (each night valued up to 50,000 points) after spending $3,000 on purchases within the first 3 months from account opening, plus 50,000 bonus points after spending $6,000 on eligible purchases within 6 months of account opening.
Annual fee: $95

Given the sheer number of hotels near Disney parks, any hotel credit card can be a useful tool. But if you’re going to be brand loyal, Marriott is a fantastic choice. The Marriott Bonvoy Boundless® Credit Card* provides rewards and benefits at the ultra-convenient Walt Disney World Swan and Dolphin properties in Orlando, plus several properties within a mile of Disneyland in California, some within walking distance.

Every year after renewal, this card provides a Free Night Award, which can easily be worth more than the $95 annual fee and save you money for your Disney trip. The card also comes with Marriott Bonvoy Silver Elite status for bonus points and a few extra on-site perks.

Hilton Honors Aspire Card from American Express*: Best for Disney World Hotel Stays

Rewards: Earn 14 Hilton Honors bonus points at participating hotels or resorts within the Hilton Portfolio, 7 points per dollar on eligible purchases for flights booked directly with airlines or American Express Travel, car rentals booked directly from select car rental companies and U.S. restaurants and 3 points per dollar on other eligible purchases.
Welcome offer: Earn 150,000 bonus points after spending $6,000 in purchases within the first 6 months of card membership.
Annual fee: $550

Sometimes the goal goes beyond saving money on travel. The Hilton Honors Aspire Card from American Express* is packed with benefits, including Hilton Honors™ Diamond status for a carefree vacation. With your status, you can take advantage of potential upgrades, food and beverage credits, lounge access and more. Disney Springs Hiltons give benefits similar to those at Disney resorts, including extra hours and park shuttles. In addition, Hilton waives resort fees on award stays and offers the fifth night free on award bookings.

The Aspire comes with statement credits toward Hilton resorts and flight purchases, which is a blessing and a curse. These credits can provide tremendous value to cardholders, but you’ll need to make travel purchases regularly in order to earn them in full. There’s also a Free Night Reward every year to somewhat make up for the annual fee.

Wells Fargo Autograph® Card: Best for Driving to Disney

Rewards: Earn 3 points per dollar at restaurants, travel, gas stations, transit, popular streaming services and phone plans, 1 point per dollar on other purchases.
Welcome offer: Earn 20,000 bonus points after spending $1,000 in purchases in the first 3 months.
Annual fee: $0

The Wells Fargo Autograph® Card (rates & fees) offers outsized rewards on gas, restaurants and hotels, making it ideal for road trips to the mouse house. It also provides an introductory APR to help you pay for your vacation over time: 0% introductory APR on purchases for 12 months from account opening. A variable APR of 19.24%, 24.24%, or 29.24% applies for purchases after the intro period ends and for balance transfers. The card has a balance transfer fee of up to 5%, minimum $5.

Compared to other travel cards, this one offers fewer transfer partners for your points, so it’s best for someone who prefers cash back or rewards through the card’s travel portal. You can choose from statement credits, travel bookings and gift cards.

Capital One Savor Cash Rewards Credit Card: Best for Disney Tickets and Dining

Rewards: Earn 3% cash back on dining, entertainment, popular streaming services and grocery stores (excluding superstores like Walmart® and Target®), 5% cash back on hotels and rental cars booked through Capital One Travel, 8% cash back on Capital One Entertainment purchases, and 1% on all other purchases.
Welcome offer: Earn $200 cash bonus after spending $500 on purchases within the first 3 months from account opening.
Annual fee: $0

Tickets and meals, especially character meals, can chomp a huge bite out of your Disney budget. The Capital One Savor Cash Rewards Credit Card (rates & fees) combines 3% cash back on dining with 3% cash back on entertainment, including theme park tickets. Very few cards earn bonus rewards on tickets and experiences, making this a stand-out option. And, since it’s not Disney-branded, you’ll also appreciate those same rewards back home when going to other venues.

One downside to this card is that its bonus rewards for travel only apply if you make your bookings through Capital One Travel—and flights aren’t eligible for the elevated rate.

Citi Double Cash® Card: Best for Fair Credit

Rewards: Earn 2% cash back on all purchases—1% when purchases are made and another 1% when they’re paid off, and earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
Welcome offer: Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening, fulfilled as 20,000 ThankYou® Points.
Annual fee: $0

The Citi Double Cash® Card is an outstanding catch-all card with a $0 annual fee. Anyone could do well with this card, and even fair credit holders may be eligible for approval.

The cash-back rewards may seem basic, but that’s a bonus in our book. Earn 2% cash back on all purchases—1% when purchases are made and another 1% when they’re paid off, and earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25. That’s double the rate of many cards and none of the confusion that can come with more complicated earning structures.

Chase Freedom Unlimited®: Best for Financing a Disney Trip

Rewards: Earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on eligible dining and drugstores and 1.5% on all other purchases.
Welcome offer: Earn $200 cash back after spending $500 on purchases in the first 3 months from account opening.
Annual fee: $0

Any rewards you earn on a Disney vacation will come to naught if you get caught paying a high interest rate. If you need to carry a balance in order to pay off your trip, strongly consider a card with an introductory 0% APR period. The Chase Freedom Unlimited® has a 0% introductory APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% to 28.49% applies. An intro transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, applies in the first 60 days of account opening. After that, a fee of either $5 or 5% of the amount of each transfer applies.

The Freedom Unlimited blends the best of flat-rate rewards and elevated earnings. However, this card charges a foreign transaction fee, so it’s a poor choice for anyone heading to Disney Paris, Tokyo or planning other international travel.

Disney® Visa® Card*: Best for Disney-Specific Benefits

Rewards: Earn 1% in Disney Rewards Dollars on all card purchases.
Welcome offer: Earn $150 statement credit after spending $500 on purchases in the first 3 months from account opening.
Annual fee: $0

The Disney® Visa® Card* isn’t the most rewarding credit card, but exclusive access to card member experiences can bring smiles that money can’t buy. Cardholders can enjoy exclusive photo opportunities, special pricing on retail, dining and select resort stays, plus other limited-time offers that can enhance your visit.

This card makes the most sense for someone willing to juggle at least two cards: This one for the discounts and benefits and another for higher rewards in most spending categories.

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