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Disney cruise vs. Disney World: Which is the more magical vacation?
Summer Hull has been covering (and using) travel tips, rewards credit cards and loyalty programs for over a decade. She has flown close to a million miles, often on points and miles and with her family in tow.
February 16, 2024 • 19 min read
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.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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By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
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Quick summary
The article compares Disney cruises and Disney World vacations, highlighting key differences in planning, cost, accommodations, activities and overall experience.
Disney cruises offer a more relaxing, all-inclusive experience with attentive service and multigenerational appeal, while Disney World provides more thrill rides and a wider variety of lodging options.
Costs can vary, but Disney cruises often run higher than Disney World trips, especially during peak school breaks, though both require significant planning and budgeting.
Combining both experiences into a single trip is possible, as many cruises depart near Disney World, allowing for a diverse vacation.
What to consider
Disney World requires advance dining and attraction reservations, while Disney cruises mainly need early decisions on ship, itinerary and cabin type.
Seasonal pricing fluctuations can make cruises more expensive during school breaks, and cruise fares typically include most meals and entertainment but not extras like gratuities or specialty dining.
Disney cruises are especially well-suited for multigenerational groups, while Disney World is best for those seeking thrills and a fast-paced itinerary.
What you'll miss from the article
A detailed side-by-side breakdown of planning, cost, activities, dining and service to help you decide which Disney vacation best fits your family's needs.
Generated by AI with support from our editorial team.
If you're in the mood for a Disney vacation, it's natural for your first thought to go to one of the Disney theme parks, such as Disney World or Disneyland. But as someone who loves the Disney parks, I'm here to tell you that's not always the best Disney vacation. In fact, it's entirely possible that for some families — and some trips — the better Disney vacation is the one you'll find at sea on a Disney cruise.
So, which do you choose: a Disney cruise or Disney World?
There are pros and cons to each choice. Disney parks have gotten more expensive with an a la carte pricing model that no longer includes airport transfers, FastPasses and other nice-to-have conveniences. A theme park vacation can also be complicated to plan, especially if you haven't been to Disney in several years and aren't familiar with the current rules and ways to minimize wait times.
At the same time, some fantastic new rides have opened in the last few years. You also have your choice of dozens of resort hotels at different price points, and it's hard to beat that feeling of walking down Main Street, U.S.A. toward the castle.
SUMMER HULL/THE POINTS GUY
Meanwhile, on a Disney cruise, things have mainly stayed the same as they have been for the past 25 years, with activities, entertainment, lodging and most of your dining included in one cruise price. And yes, Mickey and his friends are found on board, so you can still get that photo and hug with your favorite pal.
Pluto and Goofy in an elevator bank between appearances on Disney Wish. ASHLEY KOSCIOLEK/THE POINTS GUY
But while you'll find Mickey both on a Disney cruise and at Disney World, the two vacation experiences are quite different. Here's a look at a Disney cruise versus a trip to Disney World to help you decide which family vacation is better for you.
Both a Disney cruise and a trip to Disney World are large financial investments, so both are going to require some level of planning to be sure you are getting the most from your dollars and time.
That said, in both cases, you can leave many of the arrangements to the Disney vacation planning professionals, who can walk you through what you really need to know and book the main components of the trip.
For Disney World, decisions to make include where to stay and which park tickets are best for you (after factoring in how many days you wish to visit, whether or not you want to park hop, etc.). You'll want to book your sit-down meals 60 days in advance and familiarize yourself with the Disney Genie+ system if you don't want to spend hours each day in line. Although things could change in 2024, right now, you can't select any of your Genie+ attractions in advance, so you'll be doing that on your trip.
For a Disney Cruise Line sailing, you'll have to decide if you prefer a newer or more classic ship, where you want to go, which port to sail from and how many days you wish to sail.
For example, you could sail out of Port Canaveral in Florida on Disney Wish for a three- or four-night sailing to the Bahamas, spend a week cruising around Alaska on Disney Wonder or sail in Europe on Disney Dream. At certain times of the year, you'll also find Disney Cruise Line sailings out of Texas, Louisiana and California.
Once you pick a sailing, ship and cabin, you don't actually have to plan anything in advance unless you want to book excursions in port. It's common to prebook shore tours for Europe and Alaska cruises, but on Bahamas sailings, many families simply head to the beach in port or enjoy being on the ship. For trips like that, minimal planning is required once you lock in the basics.
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Disney Wish. SUMMER HULL/THE POINTS GUY
With a Disney cruise, dinner each night at a pre-assigned sit-down restaurant is included in your fare, and you only need to select an early or late seating in advance. The buffet, room service and on-deck grab-and-go food are available for no extra charge during the day. You only have to plan out meals if you want a reservation at one of the adults-only restaurants on board.
Winner: Both a Disney cruise and a Disney World vacation require some advance planning. How much planning the cruise requires depends on the destination you select, so it might be more planning intensive than Disney World. However, some Disney cruises likely require less planning than the average Disney World vacation.
Because both a Disney World vacation and a Disney cruise can vary widely when it comes to cost, it's hard to compare the two, but we'll do our best to give you an example.
We'll compare the cost of a four-night trip in October for a family with two adults and two children (assuming a stay at the cheapest available Deluxe resort hotel, three sit-down meals and three park days at Disney World without park hopping but with Genie+ for two days) to a four-night October sailing out of Port Canaveral on the newest Disney ship sailing, Disney Wish, in a room with a verandah.
Disney World vacation cost:
Moderate resort stay at Disney's Animal Kingdom Lodge for four nights from Oct. 7 to 11, 2024, plus three days of park tickets: $3,243.82
Two days of Genie+ and Lightning Lanes: $350 (estimated)
Disney Dining Plan: $992
Total: $4,585
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Disney's Animal Kingdom Lodge. SUMMER HULL/THE POINTS GUY
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SUMMER HULL/THE POINTS GUY
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Disney's Animal Kingdom Lodge. SUMMER HULL/THE POINTS GUY
Disney Cruise vacation cost:
Oct. 7 to 11, 2024, sailing on Disney Wish in a verandah room: $5,550.12 (not including gratuities or extras)
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A balcony cabin on Disney Cruise Line's Disney Wish. SUMMER HULL/THE POINTS GUY
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Balcony cabin on Disney Wish. SUMMER HULL/THE POINTS GUY
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Balcony cabin bathroom on Disney Wish. SUMMER HULL/THE POINTS GUY
The reality is that a Disney cruise can be cheaper or more expensive than a Disney World vacation, largely depending on when you sail — and, of course, which cabin you choose.
While prices vary seasonally at Disney World, they don't vary quite as dramatically as at sea. For this exercise, I picked an October week that is fall break for some schools for comparison, but a four-night Disney cruise on Disney Fantasy out of Port Canaveral in mid-January 2025 can be purchased starting at $3,479 for the same family of four.
Winner: A Disney World vacation costs less than a Disney cruise in this exercise. A cruise can be cheaper than a park trip, but keep in mind that demand and prices for Disney cruises are currently pretty high. The odds are decent that a cruise will cost you a little more than a similar Disney World trip right now, at least during traditional school breaks.
Accommodations
At Disney World, you can choose from Value resorts with rooms starting around $100 per night and three-bedroom grand villas (bookable with cash or rented Disney Vacation Club points) with themes ranging from the South Pacific to the African savannah — or an option that falls somewhere in between.
Two-bedroom room at Disney's Riviera Resort. SUMMER HULL/THE POINTS GUY
On a Disney cruise, most cabins measure between 169 and 237 square feet (not including any verandahs), with just a few very expensive cabins coming in larger.
Winner: Disney World is the clear winner in this category. While the Disney cruise cabins are certainly functional, it's hard to beat Disney World's variety of lodging options with multiple layouts, price points and themes.
You'd have to try hard to be bored on a Disney cruise. The ships have so much more than pools and waterslides.
Each ship offers a sunup to after-sundown schedule of mostly included activities ranging from trivia, game shows and karaoke to Broadway-caliber performances, pirate parties, character meet-and-greets and more. Onboard kids and teen clubs are free to use and offer activities for children ages 3 to 17 years old.
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Disney Wish kids club. SUMMER HULL/THE POINTS GUY
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Bibbidi Bobbidi Boutique. SUMMER HULL/THE POINTS GUY
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Disney's private island. SUMMER HULL/THE POINTS GUY
When the ship pulls into port, you can do everything from dog sledding in Alaska to gelato tasting in the Mediterranean to relaxing on a beach in the Caribbean.
Winner: Disney Cruise Line shines when it comes to available activities. While Disney World has no shortage of activities within its theme parks, water parks and Disney Springs entertainment area, a Disney cruise offers an even wider variety of activities, especially if you count all the things to do at each port.
And if you like to budget your meals in advance, the Disney Dining Plan has made its return in early 2024 after a four-year hiatus. The Dining Plan allows you to prepay for your Disney meals and snacks for prices that range from $57 to $94 per adult, per day and $23 to $26 per child, per day, depending on which plan you select. It's possible to spend less on Disney meals by going that route if you are strategic about when and where you eat.
On all Disney cruise ships, guests eat free in three dinner venues on a rotating basis, and their servers follow them from restaurant to restaurant. On Disney Wish, for example, your serving team will join you each night in the three restaurants: Worlds of Marvel, Arendelle: A Frozen Dining Adventure and 1923. A table is waiting for you each night, and your serving team gets to know you and your dining preferences. A show is included with two of the three restaurants, and the whole experience is a focal point of the day.
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Arendelle on Disney Wish. SUMMER HULL/THE POINTS GUY
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SUMMER HULL/THE POINTS GUY
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Marceline Market. SUMMER HULL/THE POINTS GUY
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Lunch offerings at Mickey's Smokestack Barbecue on Disney Wish. SUMMER HULL/THE POINTS GUY
The food is pretty good, too. It's not necessarily on the same level as the highest-end Disney World fine dining restaurants, but if you want that, go to the adults-only restaurants that do cost a bit extra, such as Palo or Enchante, to get that same type of experience (but for a lot less).
Winner: A Disney cruise trumps Disney World for dining thanks to its convenient options and innovative rotational dining system. Not to mention, you can enjoy multiple meals and snacks each day without paying a cent beyond your original cruise fare.
Thrill factor
Y'all know where this one is heading — and yes, if you are after thrills, the thrill rides at Disney World tip this category into the theme park's corner. It's hard to beat the almost 60 mph launch on Tron Lightcycle Run or the backward launch on Guardians of the Galaxy: Cosmic Rewind.
MADISON BLANCAFLOR/THE POINTS GUY
Disney cruise ships feature some tame waterslides, though the AquaDunk waterslide on Disney Magic is not for the faint of heart. If you want a good adrenaline rush at sea, book that ship. You might also find that hanging out at the front of the ship while it's heading out to sea is pretty cool in its own right. You might be able to find some thrills in port (like a zip lining excursion in Alaska), but it depends on your cruise destination.
SUMMER HULL/THE POINTS GUY
Winner: Disney World is the clear winner if you want thrill-seeking to be the focus of the trip. Just be sure to load up on Lightening Lanes for Rock 'n' Roller Coaster Starring Aerosmith, The Twilight Zone Tower of Terror, Expedition Everest — Legend of the Forbidden Mountain, Guardians of the Galaxy: Cosmic Rewind, Space Mountain and Tron Lightcycle Run. Save the cruise for a different type of vacation.
Multigeneration-friendly
Disney World is often a strenuous vacation for many families. That's because it's the size of San Francisco, meaning you'll generally cover 10 miles or more on foot per day just to get around, and you will often feel compelled to start early and/or stay late to feel like you're getting your money's worth.
That can be tough for anyone not used to that pace (and heat), but it can be an especially challenging vacation for those who are significantly older or younger than the rest of their group. Even if your family members can handle the distance using scooters and/or strollers, not all attractions are a great match for everyone due to height restrictions and the rough impact of certain thrill rides.
On the other hand, a Disney cruise excels at having something for every age group. Even if everyone fills their days differently — splitting up to enjoy the various kids and teen clubs and adults-only bars and restaurants — you can meet up again for the shows and meals in the evening.
SUMMER HULL/THE POINTS GUY
Winner: Disney Cruise Line excels when it comes to multigenerational vacations. From the nursery and kids and teen clubs to the onboard talks, adults-only pool area, waterslides, drink tastings and evening programming, I can't think of a better trip for a mixed-generation group than a Disney cruise. You can find something to please just about everyone within a few decks.
Relaxation
As fun as the theme parks are — and they really are — I wouldn't call them truly relaxing trips. Sure, you could spend your days by the pool or even the spa, but most of the time, a trip to Disney World is a fun, busy adventure.
Disney cruises differ in that Disney Cruise Line ships are made for you to spend time relaxing and enjoying the ride — out on the deck, in the spa or even in your cabin gazing out the window. "Busy" on a cruise means a schedule packed with meals, pool time and the occasional participatory game show, not hauling miles and miles across a theme park to get in the next line.
SUMMER HULL/THE POINTS GUY
Winner: Disney Cruise Line wins this category, as a Disney cruise feels far more relaxing than a Disney World vacation.
Service
Service is a strength of the Disney company both on land and at sea; however, the staffing ratios and nature of the interaction at sea tip the scales in favor of Disney Cruise Line. The crew can provide far more personalized and higher-quality service aboard Disney's ships than is possible in a theme park. At Disney World, your interactions with staff usually last just a few seconds as you climb aboard the next attraction or pay for that Dole Whip ice cream treat.
SUMMER HULL/THE POINTS GUY
Even on the shorter cruises, some of the onboard staff will get to know your family's names and your kids' preferences. It's not uncommon for your dinner servers and room hosts to start to feel like friends, especially if you are on one of the slightly longer voyages.
SUMMER HULL/THE POINTS GUY
Winner: A Disney cruise features all kinds of service extras you won't get on land, such as towel animals waiting for you in your cabin each evening and your favorite drinks magically appearing as soon as you sit down to dinner. This level of service is what makes a Disney cruise feel magical in ways that are too difficult to recreate at the parks.
Bottom line
My family and I are avid fans of both Disney World and Disney cruises. We make multiple trips to the theme parks in Florida annually and have taken seven Disney cruises, with several more already booked. While there are similarities between the two trips — the characters, the approaches to immersive storytelling, the service provided and the overall quality — the two vacations are different in many ways.
For us, we head to Disney World for busy fun, often meeting up with friends for an action-packed day full of rides and shows. We'll be on the go nonstop, doing and seeing all the things and often not getting a ton of sleep. We love the parks and want to return whenever we are packing up to leave, but we usually need a long nap the second we get back home.
A Disney cruise, on the other hand, truly feels like a vacation.
Depending on the sailing, the ports might be the highlight of the trip, especially in destinations such as Alaska and Europe. On others, the sea days when we snack all day, go to trivia games, order Mickey bars from room service, pop into an onboard Disney movie and simply enjoy being together as a family are the best part.
SUMMER HULL/THE POINTS GUY
Looking at a Disney cruise versus Disney World, it's hard to say which is the better family vacation. It all depends on what you want from the trip.
If you wish to truly relax, enjoy attentive service and pull off a multigeneration trip with something for everyone, look to Disney cruises first.
If you want to fill your days with thrills, fireworks and your favorite characters, can handle logging some serious miles and aren't scared off by navigating Genie+ and making dining reservations, then book that trip to Disney World. Save the cruise for when you want to relax a bit more.
As for me, I'm hoping you'll find us at Disney World and on a Disney cruise this year because they are both the perfect family vacation for us — as long as we set the correct expectations before we embark on our adventure.
And, of course, if your budget and time-off schedule permit, you don't have to choose between the two trips. Many Disney Cruise Line sailings depart from Port Canaveral, which is only a one-hour drive (or Disney bus ride) away from Disney World, so you can easily combine several busy, thrill-seeking days at the parks with a short three- or four-night Disney cruise to create one weeklong trip.
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Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
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Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
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Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
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Pros + cons
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Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
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Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
More details
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
5X
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Intro offer
As High As 100,000 points. Find Out Your Offer.
Pros + cons
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
More details
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
5X
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Intro offer
As High As 100,000 points. Find Out Your Offer.
Pros + cons
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
More details
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
