How Capital One just made it much easier to earn and use miles on Disney trips

Nov 22, 2021

This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.

It’s no secret I love Disney. Disney World, Disneyland, Disney Cruises, it doesn’t really matter – I love it all.

My wallet, however, isn’t always as thrilled with my vacation choices. Disney is a lot of things, but inexpensive isn’t usually one of the words to categorize the experience. While there are ways to use points for a Disney vacation, the options are a bit more limited than other types of travel.

However, Capital One may have just changed the game a bit.

Official Disney World and Disneyland hotels are available in the relaunched Capital One travel portal. This means two things: You can either book directly and use your Capital One miles for the charges or you can now earn up to 10 miles per dollar on your Disney hotel bookings with the right Capital One card.

Here’s what you need to know.

For more TPG news delivered each morning to your inbox, sign up for our daily newsletter. And if you want to stay up to date on all things Disney, make sure to bookmark our Disney hub page

In This Post

Redeem Capital One miles for Disney hotels

With Disney hotels available in the Capital One travel portal, you can now easily use your Capital One miles at 1 cent per mile towards these bookings.

For example, a $1,160 (including tax) two-night stay at the Disney World Yacht Club (with its insane pool complex and waterslide) will cost you 116,000 Capital One miles.

Enjoy the Stormalong Bay pool at the Disney World Yacht Club. (Photo by Summer Hull/The Points Guy)

In comparing pricing and availability directly with Disney’s website I found that while this was often similar, it wasn’t always identical – so make sure to compare pricing and room types.

The good news is that while it’s really cool you can use your Capital One miles in this way, this really isn’t the biggest news. That’s because you can always use them at the same redemption rate to simply wipe away whatever travel charge from your statement you want. That means you can still book your Disney hotels with a Disney vacation planner, directly with Disney or however else you want, and then use your Capital One miles at 1 cent per mile to erase the charge.

What I think is the bigger news is actually on the earning side.

Earn up to 10 miles per dollar on Disney hotel bookings

With the brand-new Capital One Venture X Rewards Credit Card, you can earn up to 10 miles per dollar on hotels booked through the Capital One travel site.

Say you want to book that same two-night stay at the Yacht Club. It may cost you a painful $1,160, but at 10 miles per dollar with the Venture X card you are also picking up 11,600 Capital One miles in the process.

Related: Review of the all-new Capital One Venture X card 


Official application link: Capital One Venture X with 100,000 bonus miles after you spend $10,000 on purchases in the first six months from account opening, plus up to $200 in statement credits for vacation rental purchases (e.g., Airbnb and Vrbo) charged to the card in the first cardholder year.


If those miles are maximized with Capital One’s transfer partners, TPG values them at 1.85 cents each, which means you just picked up a nice $214 in rewards on that booking. That’s 18.5% back in rewards if you value these rewards similar to TPG.

The Capital One Venture Rewards Credit Card also pays out a bonus in the Capital One travel site to the tune of 5 miles per dollar, which is still a 9.25% back in rewards – not bad at all for Disney bookings.

Related: These are the best hotels at Disney World

But wait, there’s more

Last but not least, the new Venture X comes with up to $300 in annual travel statement credits – though that comes with a catch.

The catch is that it can only be used via the Capital One travel portal. If you are booking a Hyatt or Marriott sort of hotel, that stipulation can be a bummer, since booking via a third party (i.e. the portal) will negate the guarantee of earning points or getting status perks since you didn’t book direct.

However, if you are a Disney fan, there’s really no downside to using that $300 in credit to offset a Disney hotel booking (such as one in the just-redone mid-century modern Incredibles rooms at the Contemporary) since there were no points or status nights to be earned with Disney anyway.

(Photo by Summer Hull/The Points Guy)

Bottom line

It’s an extra challenge to get a great deal with points or miles for a Disney vacation, but Capital One is making it pretty easy to not only redeem miles for a Disney stay, but also now earn up to 10 miles per dollar on your Disney resort hotel booking. That’s an unmatched return that can turn one Disney vacation into a running head start on the next.

Feature photo by Summer Hull/The Points Guy.

Delta SkyMiles® Platinum American Express Card

Earn 50,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $2,000 in purchases on your new card in the first three months of card membership. Plus, earn up to $100 back in statement credits for eligible purchases at U.S. restaurants in the first three months of card membership.

With Status Boost™, earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to two times per year getting you closer to Medallion Status. Earn 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants and at U.S. supermarkets and earn 1X Mile on all other eligible purchases. Terms Apply.

Apply Now
More Things to Know
  • Earn 50,000 Bonus Miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $2,000 in purchases on your new Card in your first 3 months.
  • Plus, earn up to $100 back in statement credits for eligible purchases at U.S. restaurants with your card within the first 3 months of membership.
  • Earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs two times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.
  • Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
  • Earn 1X Miles on all other eligible purchases.
  • Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. *Payment of the government imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
  • Enjoy your first checked bag free on Delta flights.
  • Fee Credit for Global Entry or TSA Pre✓®.
  • Enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club® for you and up to two guests when traveling on a Delta flight.
  • No Foreign Transaction Fees.
  • $250 Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Regular APR
15.74%-24.74% Variable
Annual Fee
$250
Balance Transfer Fee
N/A
Recommended Credit
Excellent/Good
Terms and restrictions apply. See rates & fees.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.