Richard Kerr is a veteran naval officer and founder of the Award Travel 101 Facebook community. He’s one of the foremost experts in points and miles strategy, featured in Forbes, US News, Money Magazine, Kiplinger Personal Finance and presented at #SXSW 2017. Richard has visited over 45 countries, lived in England and Japan, and spends his spare time dissecting loyalty program award charts to maximize the value of points and miles. Richard holds a BBA in International Business and has his wife and two small children in tow for his travels as often as possible.
April 10, 2021 • 7 min read
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Quick summary
The article details how a traveler covers nearly all costs of a Disney World trip using reward points, statement credits and fuel savings programs.
Lodging at Disney's Fort Wilderness Resort & Campground and park tickets can be offset by redeeming points for travel purchases, though tickets must be bought through select third-party vendors to qualify.
Monthly statement credits tied to digital wallet purchases are used to acquire Disney gift cards, which help cover food and in-park expenses.
Fuel reward programs and targeted promotions further reduce or eliminate the cost of driving to Orlando.
What to consider
Disney tickets purchased directly from the park typically do not qualify as travel purchases for points redemption unless bundled with lodging or bought through approved third-party sellers.
Monthly statement credits for digital wallet purchases are time-limited and require eligible card enrollment and use at participating merchants.
Fuel savings depend on stacking multiple programs and may vary based on location and current promotions.
What you'll miss from the article
A step-by-step breakdown of combining points, statement credits and fuel rewards to minimize out-of-pocket costs for a Disney vacation.
Generated by AI with support from our editorial team.
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One constant of the pandemic has been a never-ending news stream from the wonderful world of Disney.
Parks closing, parks re-opening (basically before any other travel or attraction), changes in the guest/park experience and now, how the parks will deal with the pent-up demand of Disneyholics. It may sound crazy to head to a busy theme park in a pandemic, but thanks to Disney's rules and procedures, it's actually a pretty solid choice.
With my vaccinations complete, I'm again headed to Orlando this July to meet a couple of other families for some solid Disney exploration and adventure. A trip to Disney World can easily cost thousands of dollars and can be a difficult trip to complete in its entirety on points and miles, especially if you like to stay on Disney property.
But, I love a good challenge. So, here is a recap of how I'm covering the cost of travel, tickets and food at Disney World using just my credit card reward points and perks.
Capital One Venture Miles for tickets and campsite
There are very few good options to get great value out of your points and miles for Disney tickets, but Capital One Venture Miles from my Capital One Venture Rewards Credit Card (currently available with a large limited-time welcome bonus) is a rare example where you can get the desired value out of your rewards.
With Capital One's ability to redeem miles to essentially wipe out travel charges you make to the card, you can use Venture Miles to cover any travel expense charged to the card at a rate of one cent per mile. Since you earn 2x Venture Miles on all purchases, this is equivalent to using a 2% cashback card to cover your Disney expenses.
We stayed for a week last fall and found the campground to be such a fun Disney experience. It also happens to be the most affordable on-property location, though still quite expensive as far as campgrounds go. The campground will cost me about $350 for three nights, requiring me to use 35,000 Venture Miles to erase the charge.
(Photo by Summer Hull / The Points Guy)
When it comes to park tickets, there is one important note to make here: Disney tickets purchased directly from Disney by themselves do not count as travel and therefore cannot be erased. (They usually do when purchased as part of a larger lodging and ticket package.)
However, Disney tickets bought from UndercoverTourist.com do traditionally count as a travel charge and you'll be able to erase the purchase with your Venture Miles.
For my dates this summer, the three-day Disney Theme Park Base Ticket will cost $378.91 requiring me to redeem 37, 891 Venture Miles to erase the charge. This puts the cost of my lodging and ticket at around 72,000 Venture Miles and $0 out of pocket.
The Venture Rewards card currently comes with its highest-ever sign-up bonus: 100,000 bonus miles after spending $20,000 on the card within the first 12 months of account opening. This is awarded in two installments.
First, you can still earn 50,000 miles after you spend $3,000 in purchases within the first three months of account opening. The second set of 50,000 miles is awarded with a total of $20,000 in spending in the first year on the card.
I recently picked up the Capital One Venture Rewards card for both my wife and me, meaning with 200,000 welcome bonus miles plus the miles earned to meet the minimum spend, I'm happy redeeming 70,000 of them to help make Disney free as far as my wallet is concerned.
Amex Platinum PayPal credits for Disney gift cards
At the start of January 2021, American Express unveiled a new temporary perk for The Platinum Card® from American Express cardmembers: an up to $30 monthly PayPal statement credit. Amex has automatically issued these monthly statement credits for eligible PayPal purchases that I've charged each month.
When I first heard about the PayPal credit, I immediately thought of one of my favorite discount gift card websites that I know accepts PayPal: cardcash.com.
While I typically buy discounted gift cards from the site, they also sell new gift cards for just about any amount, including brand-new Disney gift cards you can order for exactly $30.
When you select checkout with PayPal, a pop-up window will show you your linked cards, including your personal Platinum Card from American Express which specifically tells you about the PayPal credit right on the pop-up:
Both my wife and I carry a personal Amex Platinum card and this is how I've been using each of our monthly credits.
With $60 in free-to-me Disney gift cards coming in every month, by my July trip, I'll have $360 in Disney gift cards saved up to cover food, drinks and anything else I want to buy in the parks and on property.
I've written a couple of times about the self-admitted obsession I have with either not paying for gas or, at the very least, not paying anywhere close to full price for gas.
Whenever I have an RV trip coming up, I begin to strategize about a month out how to earn enough credits in a variety of programs to cover the diesel I'll need to buy for the nine-hour drive to and from Orlando from my home in the Atlanta area.
Fuel Rewards, GetUpside, TruNow, Pay with Gas Buddy, Marathon's Make-it-Count, Kroger Fuel Points and some targeted Amex offers can all make it incredibly cheap or free (depending on what promotions are occurring) for my summer drive to Orlando.
Through a combination of using Venture Miles earned from a sign-up bonus, free Disney gift cards thanks to a new Amex Platinum monthly perk and a variety of programs that let you save on gas, I should have my summer jaunt to Disney World be entirely free when it comes to cash required from my wallet.
There may likely be some unexpected cost of an RV part, repair or something else unforeseen, but as it stands I'm pleased with the different redemptions and strategy I have planned to cover my travel, lodging, tickets and food. Disney is always fun, but it's that much more fun when the cost to me is $0.
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.
