As featured in the New York Times, CBS and NBC, here’s our step-by-step guide on how to take a nearly free family trip to Walt Disney World ($4,000+ savings) using credit card rewards points!
To make this trip happen Laura and I opened a few new credit cards and used them for our regular spending in order to earn the significant signup bonuses that were offered with those cards. Since we pay these cards off on time and in full every month, this didn’t cost us anything at all. We are both CPAs, so being financially responsible is essential to us and we thoroughly researched this before getting started.
Instead of using our regular credit card that would have earned us a tiny 1% “rewards” back, we opened these new cards and saved $4,000 on our Disney vacation.
Not bad, right? And the best part is that YOU can do this too and it is surprisingly easy!
We have a detailed guide for each major portion of the (nearly) free Walt Disney World trip using rewards points:
- Walt Disney World Tickets with Rewards Points
- Walt Disney World Hotel with Rewards Points
- Airline Tickets to Disney World with Rewards Points
There are no specific credit cards dedicated to earning Disney World park tickets, but after a lot of research and phone calls we found a way to earn credit card bonuses to cover the vast majority of the expense of the Disney park tickets.
The Barclaycard Arrival Plus™ World Elite MasterCard® credit card allows for flexible travel redemptions; you just pay for the “travel” purchase with your credit card like you normally would.
So nobody knows or cares that you have “miles” — you just simply pay for your travel expense with that card and after the fact you log into your online account to redeem your miles for a travel statement credit which reduces your credit card bill
Barclaycard Arrival Plus™ World Elite MasterCard® credit card:
Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that’s enough to redeem for a $500 travel statement credit. Annual Fee: $89 – waived the first year.
You earn 2x miles on all purchases, so the $3,000 minimum spend x 2 = 6,000 miles; you now have a total of 56,000 miles which is enough for a $560 travel statement credit. You also get 5% miles back to use toward your next redemption, every time you redeem. In this case 2,800 miles (5% of 56,000) are worth $28 for your next redemption, bringing your total value up to $588 of travel statement credits.
Barclaycard is very specific about what counts as “travel” to be reimbursed as a statement credit when redeeming their miles. Buying Disney World park tickets directly from Disney will not work to get the statement credit, however, we found a way you can do this!
Our top choice to purchase Disney World park tickets is official authorized seller UndercoverTourist.com and buying through their site will work as a “travel” expense to redeem your Arrival miles as they are coded as a “travel agency!” We were so impressed with Undercover Tourist as their Director of Marketing personally emailed with us and confirmed their coding for credit card purposes before we made our purchase. How’s that for customer service??
We have already purchased Disney World tickets through them and have received the reimbursement from our Arrival miles, so we know this works and you can be confident as well.
If you and your significant other each open one of these accounts your family will have at least $1,176 in total travel statement credits available ($588 x 2 = $1,176). You would then want to each purchase some of your family’s Disney tickets on each card, so you can redeem the bonus points for statement credits on each credit card account (up to roughly $1,176 off in total by splitting the expenses this way across the two cards).
Undercover Tourist is highly recommended by MouseSavers.com and the famous Unofficial Guide to Walt Disney World, so you know they are reputable.
They also do not charge a shipping cost, so you are able to split your ticket purchase over multiple credit cards and it won’t cost you any additional money.
Note: You can also use the Capital One® Venture® Rewards Credit Card and Capital One® Spark® Miles for Business in the same manner for even more savings on WDW tickets. These tickets are expensive, so if you want a truly free trip you’ll likely need to open one or more of these Capital One cards.
Total Savings: $1,176 on WDW Park Tickets (much more if you include the Capital One® cards)
The Disney Swan and Disney Dolphin are luxury hotels right on-site and within a short walking distance (or nice free boat ride right out back!) of both EPCOT and Hollywood Studios.
What most people don’t realize is that these hotels are owned by Starwood so you can use Starwood Preferred Guest hotel points to book these hotels. This is a real game changer to be able to book what most people consider “Disney hotels” using rewards points.
By opening 2 credit cards and putting your normal spending on them, you can get up to six free nights at the Walt Disney World Dolphin hotel which usually cost over $300 per night.
(Note: As of 3/1/16 the Swan is now a Category 5 hotel, which costs more points per night, so we’re focusing on the Dolphin)
You will only be responsible for a small ‘resort fee’ each day but the room is entirely free otherwise. Using points you’re still able enjoy many of the perks of being at a “Disney hotel” such as free transportation between parks and extra “Magic Hours” where the park is only available to guests of Disney resorts.
The Dolphin is a Category 4 Starwood hotels that cost 10,000 points per night. Category 4 hotels have an incredible ‘5th Night Free’ perk when you use points, so when you book for five nights (or more) you automatically get the 5th night for free and therefore only need 40,000 Starpoints for 5 nights.
As described below, you’ll earn 56,000 of these points, which will be enough for six nights at the Dolphin!
You and your significant other will each need to open a Starwood Preferred Guest® Credit Card from American Express. The current promotion is a 25,000 Starpoint bonus when you spend $3,000 on each card within the first three months each account is open. Annual fee of $95 waived the first year. It’s important that you hit the minimum spending requirements on each card, as these are completely distinct accounts.
You’ll each earn the 25,000 point bonus plus 3,000 points for your $3,000 worth of spending, so you’ll each have 28,000 points for a total of 56,000 points.
Combine Starpoints and Book Hotel: Your Starwood points will be split across the two accounts, so you need to combine them to take advantage of the 5th Night Free promotion. Combining is free and takes about two minutes. Just login to one of your Starwood Preferred Guest accounts and then click your name in the upper right corner to expand a list of options. In the area labeled “Starpoints & Awards”, click on “Redeem Starpoints” and then click the “More Options” item near the top. Scroll down to “Give Starpoints” and when you expand that list you’ll click “Transfer Starpoints.” You’ll just need their name and Starwood account number and you’re all set.
Allow a few days for the transfer and then login online to the account with all the points and you can book the Dolphin using “SPG Free Nights!” When you book for five (or more) nights, it will automatically apply the 5th Night Free. If a standard Starwood hotel room is available for cash, it is available for points, so there are no blackout dates with your Starwood points from the Starwood Preferred Guest® Credit Card from American Express
Total Savings for Six Free nights: ~$1,800
For most families, the easiest way to get your flights to Orlando will be to each open the Chase Sapphire Preferred® Card. The Chase Ultimate Rewards points you earn are incredibly valuable since you can either use them to book travel directly through the Chase Ultimate Rewards online portal or you can transfer them to one of their rewards partners such as United, Southwest or British Airways where they become true frequent flyer miles in those programs.
The current sign-up bonus is 50,000 Ultimate Rewards points after reaching the minimum spending requirement of $4,000 (of your regular spending) in the first 3 months the account is open. You also earn 5,000 additional points for adding an authorized user who makes at least 1 purchase during the first 3 months. $95 annual fee waived the first year.
You’ll each earn the 50,000 point bonus plus at least 4,000 points for your $4,000 worth of spending (2x points on travel and dining at restaurants, so while the minimum is 4,000, it will be more than that if you have purchases in those categories), so after meeting all the requirements you’ll have at minimum 59,000 Ultimate Rewards points.
If you each open this card and fulfill all the requirements as stated above you will now have at least 118,000 Ultimate Rewards points and you have two main redemption options for your flights to Orlando:
- The easiest and most flexible option allows you to purchase your flights through your online Chase Ultimate Rewards portal. This is as simple as searching on any of your favorite online travel sites, so nothing difficult here at all! You will get 1.25 cents per point in value this way, which equates to $1,475 in free flights from your 118,000 UR points. That will give you a lot of flexibility to book on the airline of your choice and $1,475 should cover the vast majority of the flight expense for a family heading to Orlando.
- The second option is to transfer these points to one of the Chase Ultimate Rewards partner airlines to book award tickets at that airline. You will want both spouses to send their Chase UR points to one frequent flyer account and consolidate them there. Southwest Airlines is your best option by far since those miles are easy to use, and you likely will get more than $1,475 of value out of booking this way.
Southwest has no blackout dates and the award tickets are based on how much the flights cost, so this was the choice we made. We know many people who booked through the Chase UR portal for simplicity and convenience, as it couldn’t be easier to book that way.
For the ease of redemption and great value the Chase Sapphire Preferred® Card is our top choice card for flights to Disney World.
Total Savings: $1,475 (or more!) on flights to Orlando
10 Rules for Succeeding with your Nearly Free Trip to Disney World Using Credit Card Rewards Points:
- Please make sure you are responsible with your credit cards. Responsible means paying them off on time and in full every single month and not spending more on the credit card than you normally would with cash/check/debit. No amount of “free travel” is worth getting into debt or paying interest on your credit card!
- Be sure to stagger the credit cards you open with your spouse so you’re only working on one card at a time. For instance, I would open the first account and add an authorized user’s card for Laura. We would both put our normal spending on those cards until we hit the cumulative spending requirement (paying it off in full each month!). Once done with that account, Laura would then open the next one and add me as an authorized user and we’d keep doing that until we earned all the points for our trip.
- As we alluded to in #2, each adult can open each of these accounts in their name and social security number, so for a couple it allows them to really double up on every single one of these bonus offers.
- We think it will take most families approximately 12 months to reach the bonuses on all the cards detailed in this plan, and you generally want to book a few months in advance. That means you’ll want to start at least 12-15 months before your anticipated trip if you intend to complete the entire plan. Every family has different spending levels, so if you spend over let’s say $2,500 per month on your cards you can likely cut 3-6 months off the timeline.
- Following this plan is not complex at all, but it does require some basic organization to keep track of your credit card accounts and rewards points. If you download our step-by-step Disney checklist we include a copy of the exact spreadsheet we used to track our Disney World trip.
- Flexibility is a huge key to succeed with travel rewards points, and while we’ve tried to make this plan as simple as possible (no flexibility needed for the park tickets or airfare!), you will need a small bit of flexibility with booking the hotel rooms at the Dolphin. This is a huge hotel with hundreds of rooms per night that are available to be booked with Starwood points, but it does fill up during the holidays and occasionally on random days throughout the year. If you can be flexible even plus or minus a few days that will almost guarantee that you’ll be able to use your Starwood points.
- As mentioned in #5, the hotel is the one minor constraint in this system (VERY minor in our opinion), we suggest most people get started on the plan with the Starwood Preferred Guest® Credit Card from American Express
- For your WDW park tickets you have a ton of flexibility to open up the credit cards right up until nearly the last minute. As long as you give Undercover Tourist enough time to ship you the tickets in the mail, you can open this last credit card in the month or so prior to your trip, purchase your tickets and then continue using the card on your trip and beyond. Barclaycard gives you up to 120 days (Capital One gives you 90) after the travel expense to log into your account and redeem your miles, so you can continue earning to save even more!
- Our family spent $159.80 out of pocket for two expenses that you can also avoid with the right planning! There is an $11.20 government fee on all frequent flyer mile flights in the US ($44.80 for our family of four) and the Swan/Dolphin charged us a $23 per day resort fee even on the award nights ($115 for the 5 nights). However, if we had planned ahead even more, we could have opened an additional Barclaycard Arrival Plus™ World Elite MasterCard® credit card or Capital One® Venture® Rewards Credit Card to use to pay for these “travel” expenses to really make the trip entirely free.
- Getting to/from Orlando International Airport is one aspect of the trip that is not free, but you can use Uber promo codes to save a lot of money. What we suggest is have one of you sign up using their promo code and then refer your significant other. This referral will get each of you a $20 free ride. So that’s three highly subsidized Uber rides you’ll have for this trip. We personally used Happy Limo but many people use the Mears Shuttle to get to/from the airport.
Summary & The Keys to the Magic Kingdom Challenge:
So there you have it, nearly a free family vacation to Walt Disney World for up to six nights at the luxury Dolphin hotel, airfare and park tickets. Just by following the instructions in this article you can save $4,241+ on your family vacation to Walt Disney World.
We have personally helped hundreds of families plan this Disney World trip and we want to help your family succeed as well!
That’s why we started the Keys to the Magic Kingdom Challenge: We’re personally helping 500 families with every step of this Disney plan with the hopes that each family can save $4,000+ for a total savings for the Challenge group of over $2,000,000!
This group is completely free to join, but since it takes a lot of time to help each family, we’re only looking for people who are going to follow through on the plan and take action! If that’s you, then we’d love for you to apply for one of the 500 free spots in the Challenge group.
Our family had such a great time at Disney World that we want to ‘pay it forward’ and help other families succeed and this Disney Challenge is the best way we can think of to do that.
Brad and Laura Barrett