Universal's new credit cards reward you with free theme park tickets and more
Whether you are headed to Universal Orlando Resort in Central Florida or Universal Studios Hollywood in Southern California, a few things are certain. One, you will be transported to exciting lands based on some of your favorite movies, TV shows and video games. Two, you will create lifelong memories. Three, the costs for theme park tickets, a hotel stay, restaurants and souvenirs will add up quickly.
This is why we are big proponents of using the best credit card for your Universal vacation here at TPG — one that lets you earn (and burn) valuable rewards, thereby making your travel budget a bit more manageable.
Now, Universal launched its own duo of credit cards that will make earning rewards from your theme park vacations even easier. As part of a partnership with First National Bank of Omaha and Visa, the Universal Rewards Plus Visa Signature® Card and Universal Rewards Visa Signature® Card will provide Universal theme park guests with an all-new way to rack up theme park perks, including financing on Universal vacations, rewards on qualifying purchases and free theme park tickets.
The information for the Universal Rewards Plus and Universal Rewards cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Related: How to use points to save money at Universal Orlando
"By forming this partnership with Visa, we can offer unique theme park benefits to cardholders and further enhance our guest experience," said Alice Norsworthy, president of global marketing for Universal Destinations & Experiences. "Even more exciting is the launch of the Universal Rewards Plus Visa Signature® Card with FNBO. This will put the thrills of Universal in the hands of our fans and provide a new way to earn rewards and get exclusive benefits."
The cards have individual benefits, but both come with access to perks like 10% off select merchandise and food and beverage purchases at Universal theme parks. You can apply for both cards now, but here is a bit more information about each to help you decide if these cards make sense for you.
Universal Rewards Plus Visa Signature® Card
The Universal Rewards Plus Visa Signature® Card has a $99 annual fee, which you can effectively wipe out in the first year since you can earn a $100 statement credit when you spend $100 within the first billing cycle after you open an account.
You can further justify the annual fee with the one single-day theme park admission ticket to Universal's Islands of Adventure and Universal Studios Florida or Universal Studios Hollywood that you'll earn on your annual card anniversary when you spend $6,000 or more in a year. Soon, Universal parks on both coasts will also open a Visa lounge that cardholders will have access to when they visit the parks.
You can also offset the sticker shock of a theme park vacation with 0% annual percentage rate financing when you spend $1,000 or more on a qualifying Universal vacation purchase.
This card earns 4% rewards on qualifying Universal purchases; 2% on travel, gas and dining purchases; and 1% on all other purchases. You can redeem rewards via a Universal FUNds Visa® Prepaid Card, which you can use for Universal theme park purchases, and flights and hotel stays booked directly through the airline or hotel.
The information for the Universal FUNds Visa® Prepaid 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.
Click here to learn more and apply.
Universal Rewards Visa Signature® Card
The no-annual-fee Universal Rewards Plus Visa Signature® Card has fewer benefits than its sister card but still earns 2% in rewards on qualifying Universal purchases and 1% on all other purchases, also paid out via a Universal FUNds Visa® Prepaid Card that you can use to offset the cost of your vacation.
Click here to learn more and apply.
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| 3X | Earn 3X Miles on Delta purchases. |
| 1X | Earn 1X Miles on all other eligible purchases. |
Pros
- Delta SkyClub access when flying Delta
- Annual companion ticket for travel on Delta (upon renewal)
- Ability to earn MQDs through spending
- Various statement credits for eligible purchases
Cons
- Steep annual fee of $650
- Other Delta cobranded cards offer superior earning categories
- Earn 100,000 Bonus Miles after you spend $6,000 or more in purchases with your new Card within the first 6 months of Card Membership and an additional 25,000 bonus miles after you make an additional $3,000 in purchases on the Card within your first 6 months, starting from the date that your account is opened. Offer Ends 04/01/2026.
- Delta SkyMiles® Reserve American Express Card Members receive 15 Visits per Medallion® Year to the Delta Sky Club® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you’ll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together.
- Enjoy complimentary access to The Centurion® Lounge in the U.S. and select international locations (as set forth on the Centurion Lounge Website), Sidecar by The Centurion® Lounge in the U.S. (see the Centurion Lounge Website for more information on Sidecar by The Centurion® Lounge availability), and Escape Lounges when flying on a Delta flight booked with the Delta SkyMiles® Reserve American Express Card. § To access Sidecar by The Centurion® Lounge, Card Members must arrive within 90 minutes of their departing flight (including layovers). To access The Centurion® Lounge, Card Members must arrive within 3 hours of their departing flight. Effective July 8, 2026, during a layover, Card Members must arrive within 5 hours of the connecting flight.
- Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
- Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main round-trip flight to select destinations each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
- $240 Resy Credit: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
- $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
- Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over others with the same Medallion tier, product and fare experience purchased, and Million Miler milestone when you fly with Delta.
- Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- $650 Annual Fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
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