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Best credit cards for Disney and Universal vacations

Feb. 27, 2021
18 min read
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From Disney World in Florida to Universal Studios Hollywood, from Dollywood to Knott's Berry Farm in California and beyond, there are typically more than 500 million annual visits to theme parks worldwide in a normal year.

Of course, this hasn't been a normal year. But, Disney World has been reopened since the summer of 2020 and even Disneyland is starting to reopen to those who purchase $75 tickets -- albeit still without rides.

While the average ticket price varies dramatically from park to park, per person tickets often top $100 per day in some locations. This means there are easily billions of dollars spent annually on theme park tickets alone, not to mention all the other related costs.

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At TPG, we want you to get the best deal on theme park tickets and use the right credit card to earn as many rewards as possible. Strategically using one of the best credit cards for theme park tickets will mean that you can earn bonus cash back or some extra miles and points to put toward the next family vacation.

But it's tricky. Theme park tickets are not generally a clearly spelled-out credit card bonus category in the same manner as gas or grocery stores. Often, theme park tickets will code as entertainment purchases, but that isn't always the case.

Here's your road map to maximizing theme park ticket purchases by using the right credit card.

Best credit cards for Disney and Universal in 2021

(Photo by Melissa Ann Photography)

Where you buy tickets matters

The best credit card to use for theme park ticket purchases depends heavily on how the purchase will code on your credit card.

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The most likely bonus categories for theme park tickets are entertainment or travel. When purchasing park tickets directly from the park itself, it's most likely the charge will code as an entertainment purchase on your card.

However, if you purchase park tickets from a travel agency (such as Undercover Tourist), charge them to your hotel room or include them as part of a larger vacation package, the odds are high that the purchase will code as travel. This matters because if you paid with the Chase Sapphire Reserve and your $500 ticket purchase coded as travel, you'd earn 1,500 Ultimate Rewards points -- and you could even use the card's annual $300 travel credit towards the charge. If the purchase codes as entertainment, you'd earn just 500 points as a non-bonused category.

Related: Why you might want to use a Disney Vacation Planner

(Screenshot courtesy of Chase)

Related reading: Which purchases count as travel with Chase Sapphire Preferred and Chase Sapphire Reserve?

Best overall credit card for Disney and Universal

Since theme park tickets most commonly code as either travel or entertainment, your safest bet when deciding which credit card to use is one that awards a bonus on both categories if you have one. Unfortunately, that is admittedly rare.

The Citi Premier Card awards 2x Citi ThankYou points per dollar on entertainment charges and 3x ThankYou points per dollar spent on travel charges. It's also a pretty good card to use for theme park lunches since it awards 2x points per dollar on dining. If you don't want to overthink things, this card is a really good bet.

Citi ThankYou points are transferrable to airline partners and are currently valued by TPG at 1.7 cents each, giving you a return of 3.4 to 5.1 cents in rewards in categories where you earn 2 - 3 points per dollar spent.

Unfortunately, this card is discontinuing its previous earning structure for current cardholders on April 9, 2021. Starting then, the card will no longer award 3x on travel and 2x on entertainment but instead will award 3x on air travel, hotels and gas stations along with supermarkets and restaurants. Entertainment will no longer be a bonus category on that card.

Once that happens, the best option may be the Capital One Savor Cash Rewards Credit Card for 4% back on entertainment expenses. However, because all of this is clear as mud, we have received some reports of theme park ticket purchases with the Savor card coding as ... travel.

The Venmo credit card may actually be a top theme park credit card contender. It automatically awards 3% back in the category you spend the most in that month -- and two options are for entertainment and travel. The card also provides 2% cash back in the eligible category you spend the second most in that month, making it a pretty solid option for when you take a big theme park trip.

The information for the Capital One Savor Cash Rewards Credit Card and the Venmo credit card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

How will your theme park tickets code?

Although things can change, here are some TPG data points on how theme park ticket purchases have coded in the past:

  • Disney World tickets bought online from Disney: Entertainment.
  • Disney World extra experiences (such as Fantasyland Early Morning Magic, when available): Varies but has coded as travel.
  • Universal Orlando tickets and VIP tours from Universal: Entertainment.
  • Universal Orlando tickets charged to a Universal Orlando hotel: Travel.
  • Legoland tickets directly from Legoland: Entertainment.
  • Theme park tickets from Undercover Tourist (Disneyland tickets, in this case): Travel.
  • Advance payment Disney Dining Reservations (Cinderella's Royal Table, Hoop-Dee-Doo Revue, etc.): Codes as travel. I know, it's weird.
  • Disney restaurants that do not require advance payment (Skipper Canteen, Tiffins, Artist Point Dining With Snow White, etc.): Should code as dining when paying on-site. However, those charges should code as travel when paying with Magic Bands charged to a Disney Resort room.

Related: These are the best restaurants at Disney World

Food purchases at theme parks often code as dining but charge to the room to code as travel. (Summer Hull/The Points Guy)

Best credit cards for entertainment purchases at theme parks

If you are pretty sure your theme park tickets will code as entertainment, here are the most rewarding cards to use for that category.

Credit CardEntertainment bonusvalue of rewards*total value
Capital One Savor Cash Rewards Credit Card4% cash back1 cent4 cents per dollar
Citi Premier® Card (until April 9, 2021)2x points1.7 cents3.4 cents per dollar
Venmo credit card 3% back if entertainment is the top spending category that month1 cent3 cents per dollar

*Value of Rewards based on TPG valuations and not provided by the issuer.

Best credit cards for travel purchases at theme parks

If you think your theme park tickets will code as travel -- and that's likely when buying from a travel agent, or if they are bundled with lodging or charged to a hotel room -- here are the best cards to use for those expenses.

If you want to be extra sure, price your tickets from Undercover Tourist as they have always coded as travel for me.

Credit Cardtravel bonusvalue of rewards*total value
Chase Sapphire Reserve3x points2 cents each6 cents per dollar
Citi Premier® Card (until April 9, 2021)3x points1.7 cents each5.1 cents per dollar
American Express® Green Card3x points (including flights, hotels, transit, taxis, tours, and ridesharing services)2 cents each6 cents per dollar
Bank of America® Premium Rewards® credit card2x points1 cent each (more with BOA Premium Rewards)2 cents (up to 3.5 cents with BOA Premium Rewards)
Chase Sapphire Preferred Card2x points2 cents each4 cents per dollar
Disney Visa2x points1 cent each2 cents per dollar

*Value of Rewards based on TPG valuations and not provided by the issuer.The information for the Amex Green Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.Additionally, while I haven't tested the Citi Prestige® Card, it earns 5x at travel agencies. So it may be the best option of all, though I can't yet confirm.The information for the Citi Prestige card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

(Photo by Summer Hull/The Points Guy)

Last resort: Best cards for everyday spending

If you aren't sure how a charge will code, using a strong card for everyday spending isn't the worst plan. That's what TPG's CEO Brian Kelly did when he purchased a pricey Disney VIP tour using his Chase Freedom Unlimited and wanted to be sure he earned a good number of points no matter how it coded.

Credit Cardtravel bonusvalue of rewards*total value
Capital One Venture Rewards Credit Card2x miles1.85 cents each3.7 cents per dollar
Chase Freedom Unlimited1.5% cash back (1.5x points)1 - 2 cents each (2 cents each if you also have a premium Ultimate Rewards card)1.5 - 3 cents per dollar
Bank of America® Premium Rewards® credit card1.5x points1 cent each (more with BOA Premium Rewards)1.5 - 2.25 cents per dollar with BOA Premium Rewards
The Blue Business® Plus Credit Card from American Express2x on the first $50,000 spent on purchases each calendar year; then 1x2 cents each4 cents each
Citi® Double Cash Card2% (2x) - 1% when you buy and 1% as you pay1 cent each (1.7 each with a premium Citi ThankYou card)2 - 3.4 cents each

*Value of Rewards based on TPG valuations and not provided by the issuer.

(Photo by The Points Guy)

Tips for maximizing cards at Disney

Walt Disney World Resort in Florida is the world's most popular theme park -- and it's also one of the most complex when it comes to maximizing dollars spent with the best credit card. Here are some Disney World-specific credit card tips:

  • Book your Disney resort hotel with a credit card that will give you the best return on travel if you book directly with Disney. The same is true if you rent Disney Vacation Club points via a site like David Vacation Club Rentals.
  • Include your Disney World tickets in that package or through Undercover Tourist, so they code as travel. Alternatively, use points for your tickets and save your cash.
  • Focus on purchasing discounted Disney gift cards at places like Sam's Club, grocery stores or using Amex Offers. The best credit card in those situations will vary and might include the Chase Freedom Flex when wholesale clubs provide 5% cash back in rotating quarterly categories, up to $1,500 on purchases each quarter you activate. Or perhaps using an American Express® Gold Card to earn 4 Membership Rewards points per dollar at a U.S. supermarket will be the best bet (up to $25,000 in purchases per calendar year, then 1x). You can also pick up Disney gift cards at some office supply stores and earn 5x with your Ink Business Cash Credit Card (up to $25,000 per account anniversary year, then 1x).
  • Magic Band everything. Once you are at Disney World, charge everything from an ice cream Dole Whip to a Mickey balloon and your meals to your Magic Band attached to your official Disney resort stay. The entire charge at checkout should code as travel. Attach a card to the reservation that gives a bonus on travel to rack up points. We use our Chase Sapphire Reserve to earn 3x points per dollar on almost everything at Disney.
  • Earn Marriott points if you stay at the Disney Swan or Disney Dolphin and charge things to the room (like Disney tickets in the lobby). You will earn 6 Marriott points per dollar by paying with your Marriott Bonvoy Brilliant™ American Express® Card (since it's a hotel property in the Marriott Bonvoy program) or up to 17x points with your Marriott Bonvoy Boundless Credit Card.
  • What about the Disney Visa? More than 1,000 words into this article and the Disney Visa are just now coming up because it isn't the most rewarding card for most things Disney. However, it does have some cool perks. For example, it can give you 0% APR on a Disney vacation purchase for six months (then a variable APR of 15.99% applies), access to character meet-and-greets and discounts on some dining, tours and merchandise.

The information for the Disney Visa card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Charge everything to your magic band (Photo by Melissa Ann Photography)

Universal Studios Amex Lounge access and discounts

At Universal, your Amex credit cards can get you some special access extras.

  • Universal Studios Hollywood: Relax in the Amex Lounge within Universal Studios Hollywood (open 12 p.m. to 5 p.m.) if you purchase your Universal VIP experience or Universal Express ticket with an Amex card.
  • Universal Orlando: Enjoy the Amex Lounge in Universal Orlando (open 12 p.m. to 5 p.m.) if you use an Amex to purchase a multi-park ticket or Universal annual pass.

Both lounges limit six people per card and you must purchase tickets directly from Universal Studios. Additional Amex perks include 10% off merchandise purchases of $75+, 10% off some quick-service dining and a bonus photo with eligible photo packages.

Related: Guide to Universal Orlando

Universal Studios in Florida. (Photo via Shutterstock)

Save money at theme parks with Amex Offers

Before you decide which credit card to use for your theme park tickets, be sure and check for any Amex Offers that might save you money. Even if you earn fewer points, that might be a worthy trade-off to keep money in your pockets. In the past, we have seen Amex Offers for Universal Studios and Undercover Tourist.

Bottom line

Having fun at a theme park is pretty easy, but finding the best deals and maximizing the benefit of your expenses are more nuanced tasks. There's no one best credit card for theme parks, but there are some solid options depending on where you want to go and how you are purchasing your tickets.

To continue your theme park vacation planning:

Featured image by David Roark, photographer
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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How we chose these cards

Our points-obsessed staff uses a plethora of credit cards on a daily basis. If anyone on our team wouldn’t recommend it to a friend or a family member, we wouldn’t recommend it on The Points Guy either. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners.
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