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Planning our Free Family Trip to Disney World

June 20, 2013 by Brad 6 Comments  Richmond Savers has partnered with CardRatings for our coverage of credit card products. Richmond Savers and CardRatings may receive a commission from card issuers.

Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Disclosures.

As you can guess from the title of this article, our next big trip is to Walt Disney World in Orlando, Florida.  This will be the first time we’re going since we’ve had kids and we’re really very excited about it!

We’re planning on going at the very end of November 2014 and since we have 17 months to plan, and I’ve increased my travel rewards knowledge considerably of late, I am confident this vacation will be nearly free for our family of four to: fly there and back, spend five nights at a hotel on site at Disney and get five-day passes to the parks.

Update:  We took our nearly free trip to Disney World using rewards points, so check out the final plan.

We’ll Be Saving Thousands

Aside from the food we’ll eat and our transportation to and from the airport, I think this will cost us $0 out of pocket for a trip that usually costs many thousands of dollars.

Here’s the plan:

Walt Disney World Swan Hotel

Walt Disney World Swan Hotel

Hotel

We’re going to be staying at The Swan Hotel on-site at Walt Disney World, which is right near the Epcot theme park.  This hotel, while on the Disney grounds, is part of the Starwood Preferred Guest (SPG) rewards points system, so it’s easy to get it for free!

The Swan and Dolphin, which are part of the same resort complex and both run by Starwood, are considered Category 4 hotels for the SPG rewards program.  They look like luxury hotels to me and I remember people who stayed there talking about them as if they were top-class, so that’s a hopeful sign.

These normally are redeemed for 10,000 points a night, but you get the 5th night free on all SPG redemptions, so it will cost us 40,000 points in total.  The beauty of the SPG program is that if they have rooms available to purchase, you can use your points.  So it is easy as can be.

We picked the Swan as it theoretically is a bit quieter and smaller than the Dolphin, and you get two nice queen beds; since this hotel is technically a Westin brand, you get the full experience of their famous Westin Heavenly Bed.

These hotels also include the Disney Extra Magic Hours (extended park hours) and you get the free Disney transportation and parking while at the parks, so you’re treated as if you were staying at a Disney resort, which is amazing.

Southwest Airlines-new

Airfare

Southwest now flies from Richmond direct to Orlando.  I priced out the flights and each one was approximately $240 round-trip.  For four of us that comes out to $960.  My understanding of the Southwest Rapid Rewards points is that if you use the ‘Wanna Get Away’ fares that it’s 60 Southwest points per dollar.  So that puts us at 57,600 points needed for these free flights.  We’re going to open up a Southwest branded credit card to earn the necessary points.

Cinderella's Castle at Walt Disney World

Cinderella’s Castle at Walt Disney World

Disney Tickets

Part of our thought-process to visit Disney in November 2014 is that our youngest daughter will be just about to turn 3-years old, but will still officially be 2-years old.  What that means in practical terms is that it’ll be completely free for her to enter the Disney theme parks!

I just priced out a 5-day pass to Disney at the discount tickets site UndercoverTourist.com (a completely legitimate and Disney authorized outlet for official Disney park tickets; they were also highly recommended by MouseSavers.com) for two adults and one child and it came out to $856.

The Chase Ultimate Rewards points allow you to redeem your points for cash at a 1 cent per point exchange rate.  So we’d need 85,600 points in order to redeem for cash.  We do have enough points in our UR account (earned through credit card bonuses) to redeem for this amount

So that’s our free trip to Disney in a nutshell!

Important Note:  We recommend you read our Introduction to Maximizing Travel Rewards post if this is all new to you.  If you’re someone who carries a credit card balance or gets in trouble with credit cards in any manner, then this is NOT a strategy you should use!  Also, check out our Top Credit Card Offers page for the latest card offer we believe deserve your attention.

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Richmond Savers has partnered with CardRatings for our coverage of credit card products. Richmond Savers and CardRatings may receive a commission from card issuers.

Filed Under: Travel Rewards

Take Your Family to Disney for Pennies on the Dollar!

We did it, and you can too. Our step-by-step guide to using rewards points to take a Disney trip for nearly free will show you everything you need to know.

Comments

  1. Andrew says

    June 21, 2013 at 2:26 pm

    This sounds like a good plan. Do you also have the Chase Freedom card? I like the Ink and Sapphire for their sign up bonuses and for transferring to travel partners but I can earn more points on Chase Freedom for regular spending. They have 5% rotating categories for gas, drugstores, restaurants etc. Actually one of the categories this summer is theme parks! If it comes up again when you go maybe you can get 5% cashback there. I’m with you…I don’t like the 1 cent per point exchange especially if I plan on traveling soon.

    Reply
    • Brad says

      June 22, 2013 at 5:29 am

      I personally don’t have the Chase Freedom card, but in this article by The Points Guy (one of the top sites for this travel rewards strategy) he talks about his usage of the Chase Freedom card to maximize the bonus categories.

      We don’t spend tons of money each month, so in order for me to open up four cards each year and still meet the minimum spend requirements of roughly $5,000 per card over a 3 month period, I really need to concentrate all my efforts towards one particular card.

      If, for instance, Chase is going to give me a 50,000 point bonus plus 5,000 points for regular spending on a $5,000 spend, then I’ll take the 11% return and be quite happy with it!

      If the time ever comes where I can’t/don’t want to open up new cars then the Chase Freedom would work for bonuses and I’d put my normal spending on the Fidelity AMEX, which gives you 2% back (into your Fidelity account) on each dollar spent.

      Reply
  2. Mark D. says

    September 24, 2013 at 12:46 pm

    A couple of tips for you:

    Unfortunately, SW has just changed their policy and I believe by Nov 2014 you will be paying 70 points per $. Sorry.

    Also, you may want to look into Disney’s Youth Education Series (YES) program. At certain times of the year, they have individual enrollment for the YES classes. If your child takes one of these classes, you not only get the class, but you get a discount on the tickets that can often beat the Undercover Tourist prices. The catch is that these must be used with-in 14 days of the class so if you need to cancel the trip for some reason, you may be SOL.

    Third, Chase does offer a $200 Disney gift card for signing up for the Premier version of the Chase Disney Visa, but personally, Chase has too many good cards for me to “waste” an app on this card.

    Finally, you may want to look into the DVC tours while you are there. They are a timeshare tour, but pretty low pressure and you get free ice cream and often they give you a $25 or $50 gift card.

    Reply
    • Brad says

      September 24, 2013 at 10:10 pm

      Mark,
      Thanks for the detailed information — I appreciate you taking the time.
      I did hear about the change to Southwest’s policy, but I don’t think it takes place until March 2014, by which time I hope to have my flights booked under the old valuation. Even at 70 points per dollar, that’s still within the range of four free round-trip flights from Richmond to Orlando from the 50k bonus plus a minimal amount of spending (Figuring roughly $800 x 70 = 56,000).

      Reply
  3. Elaine says

    December 20, 2013 at 5:25 pm

    I started using credit card rewards several years ago and am hooked. I’m not at the level of the major bloggers but have figured out a few tricks that have worked for me.

    I do love the Southwest card and points. I did find it worth going for a Companion Pass though – I absolutely love it especially since a couple of times together my hubby and I go for adult only weekends.

    Back to Disney, we’ve become huge Disney fans and have had to seek ways to make it cheaper. I like your plan so far but want to point out a couple of other deals that could work to your advantage.

    When we go, we found that we got the most value by staying onsite when Disney runs their free dining offers (typically end of Aug to Nov). I had thought staying offsite would be cheapest but when I crunched the numbers, onsite was about $700 cheaper and we got more food. Your numbers may vary.

    Here’s how our numbers worked for our last big trip in 2011. (Prices have changed so valuations also changed).

    We spent 12 days at Pop Century (onsite value hotel) for a family of 4, 2 A, 2 K.

    I started wondering if it would be cheaper to stay offsite, get YES tix, and pay out of pocket. So I spent some time going through all menus ordering what we would order paying OOP. That pretty much meant a handful of apps, shared meals at many places, shared desserts at dinner, no desserts at Counter Service, and a generous (for us) $10 a day snack allowance. We don’t drink much pop, so I left that mostly out as well. Plus, I only allotted $10 a day to snacks while we would get 4 snacks a day on Disney Dining Plan.

    My calculations came out at Food: $1693, not including tips.

    I’m averaging $30 per adult TS credit and $10 per child TS credit
    and $10 per CS credit and 2.50 per Snack credit.
    no value for the refillable mug because it’s not something I would get OOP.

    All in all, a 12 day trip staying offsite paying OOP:
    Accommodations- $800 for 12 nights (free with points – but this would be what I value the points at)
    YES tickets – $880
    Food – $1693 (not incl tips)
    Rental car – $300 (high estimate since I can usually get it for $100 or so)

    TOTAL – $3673
    My Free Dining pkg is $3000.

    So for us, FD is a huge savings even with getting such low average values per credit. Plus, eating on DDP actually means MORE food since I cut out a number of things that we just wouldn’t be all that interested in eating OOP. I’m VERY surprised. It’s eye opening to actually crunch the numbers.

    Reply
    • Brad says

      December 21, 2013 at 4:32 pm

      Thank you for the detailed comment!! I’m going to have to really research this, but I certainly hope this can help some of our readers.

      I’m quite happy with our free hotel onsite right next to Epcot, but I have not researched the meals all that much at this point…

      Reply

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