Traveling to Disney World in Orlando, or Disneyland in California, Paris, or Tokyo is one of the most popular destinations in the world and a dream for many. However, such a great desire to experience the magic of Disney is often held back by a reality: the substantial cost of the complete experience.
While it is possible to plan most of the trip with points, such as flights and lodging, the biggest expense of a Disney trip tends to be the park tickets, and it is not usually possible to get extraordinary value by paying for them directly with card points, as is the case with flights and stays.
The good news is that there are various alternatives to tackle the cost of tickets and other components of the trip using points and miles, making practically the entire trip paid for this way, thereby saving thousands of dollars in the process.
Here is everything you need to know:
🏨 Lodging (4th or 5th night free)
Hotels, just like flights, can be booked entirely or practically entirely with points.
We have a specific article about flights which you can see here, so let's move on to hotels.
In Orlando, there is a wide variety of hotels of all ranges, from very cheap to very expensive and luxurious, from chains such as Hilton, Marriott, Hyatt, IHG, Wyndham, and Choice. You can choose based on your points budget and the type of vacation you are looking for.
💡 Most of the time, we are going to make these trips for at least 4 nights, especially if we want to take advantage of all or most of the parks. In these cases, it is best to take advantage of the free night benefits when booking with points. For example:
If you have Hilton points, you can take advantage of the fifth night free when booking your stay using points by having at least Silver status with the chain, which is obtained simply by having their basic credit card with no annual fee.
That is, if you book 4 nights with points, you can book a 5th completely free. The best part is that Hilton has many properties for all budgets. This is undoubtedly a huge advantage on Disney trips.

For example, we have this Hilton Garden Inn near Lake Buena Vista, whose price per night in points can be as low as 26,000 points per night for 5 nights

In the calendar view, we see ranges where we can stay 5 nights for 26,000 points each, for a total of 130,000 points for 5 nights.
Similarly, if you have Marriott points, you can also get a free night when you book 5 nights with points. Unlike Hilton, you don't automatically get the 5th night free; instead, they discount the lowest-cost one, but you still end up paying for only 4.
If your trip is shorter, or you simply prefer IHG chain hotels, they can help by offering the fourth night free when booking with points. That is, you pay for 3 but stay for 4.
IHG has many budget-friendly properties close to the parks, including brands like Holiday Inn and Crowne Plaza, starting at just 10,000 to 15,000 points per night for 4 nights (40,000 to 60,000 points per stay).
These benefits are particularly useful for stays of 4, 5, or more nights, as they effectively reduce the average cost per night of your stay by getting a "free" night for each block of 4 or 5 nights booked with points.
The choice of hotel in Orlando will depend on your available points and what you are looking for in your vacation. Some people prefer mid-range hotels, as they spend most of their time out, particularly at the parks, and only need a comfortable, safe, and well-maintained place to rest.
🚘 If you plan to rent a car, which is usually the case most of the time, or if you were already driving a rental car from another city like Miami (which is also often the case), we recommend considering a hotel that includes parking.
If it's not included, this daily cost will add to the trip itinerary, but booking a hotel with points that inherently includes parking ends up being an excellent strategy.
☕️ And at least in our case, we usually look for hotels with breakfast included. This not only saves us money, since we absolutely have to have a good breakfast, but it also saves us time in the morning before heading to the parks.
Most included breakfasts tend to be continental, and the kitchens open very early.
If you have status starting at a certain level with some chains, as is the case with Globalist with Hyatt or Diamond with Hilton, it is possible that breakfast or an equivalent (such as a daily food credit) is covered even in hotels where it is not inherently included.

Daily breakfast included at a Hyatt in Miami for having Globalist status 🫰 10/10!
🏰 Park Tickets
Using points directly for Disney tickets does not offer extraordinary value since usually the most we can get is 1 CPP; that is, if the tickets cost us $800, we would have to use 80,000 points to cover them.
At the same time, these tickets do not usually code as travel if purchased directly through Disney, so if we use a card that only allows us to cover travel expenses with our points or that has multipliers for this category, we are not going to be able to take advantage of it.
The good news is that we have a few alternatives that points and miles enthusiasts use, and they are guaranteed to save you hundreds or thousands of dollars or help you earn many more points along the way.
If you are like us and love flexible points (honestly, you should), you are going to love our simple guide to flexible points.
💵 ➡️ ⭐️ Buy tickets and earn points
The first option is simply to buy the tickets and focus on earning the most points possible from the transaction.
You can use cards that offer high rewards at supermarkets or office supply stores (like the American Express® Gold Card or the Chase Ink Business Cash® Credit Card). With these cards, you could buy Disney gift cards, earn 4x to 5x on the purchase, and then use those gift cards to buy the tickets.
An $800 ticket spend could earn 4,000 points if you use a card that gives 5x on the purchase of gift cards. This is much better than earning just 800 points or 1,600 points with a card that earns 2x.
Keep in mind that this gift card strategy is only for tickets to theme parks in the United States, not for international locations like Paris or Tokyo.
⭐️ ➡️ 🧾 Use flexible points to cover eligible travel expenses
Capital One miles, for example, allow you to apply them to eligible travel expenses to "erase" the charge at a rate of one cent per mile.
Since tickets purchased directly from Disney code as entertainment and not as travel, the workaround is to buy the tickets through a third party that is considered a travel agency.
These authorized agencies sell the tickets at the same price as Disney, but purchases through them code as travel, allowing you to apply your points to this transaction.
In this example, an $800 charge requires 80,000 miles to be erased.
⭐️ ➡️ 💵 Use flexible points redeemable for cashback
Points from cards like those that earn Citi ThankYou® Rewards (excluding the Strata Premier) or Chase Ultimate Rewards® can be redeemed for cash back at a rate of one cent per point.
You can purchase the tickets with the card that gives you the best return and then redeem the cash equivalent of the ticket cost, even if it is from another card.
Let's say you buy Disney gift cards with your Chase Ink Business Cash® Credit Card and earn 5x on the transaction, for a total of 4,000 points.
An $800 spend would require 80,000 points to be erased, just like the previous example, but in this case you would be earning points along the way.
You redeem your points for cashback on the card you have them on, receive the $800 into your bank account, and use that to pay your Chase statement. Since you earned 4,000 points along the way, you would only be using an additional 76,000 points to cover the purchase. 💥
💳 💵 Use non-flexible points or direct cashback
You can use rewards that are not flexible points or go direct with cashback, such as can be obtained from cards like the Discover it (potentially doubled in the first promotional year) or from the welcome bonuses of Bank of America cards like the Premium Rewards or the Customized Cash Rewards.
This earned cash can be used to pay for the tickets you bought with any card, and we think it is a better option than redeeming flexible points that offer much more versatility and can be applied to other redemptions.
Don't know what to choose between points, miles, or cashback, or their differences? Here we tell you what to choose in a credit card.
⚫️ 💻 Use Bilt points through their travel portal
Bilt allows you to book tickets for Disney World and Disneyland, among other experiences, through its travel portal.
You can use your Bilt points at a rate of 1.25 cents per point to buy these tickets, which is great. Although there is an additional 5% convenience fee, for many people it could be one of the most convenient ways to redeem points for park tickets.

Your Disney trip doesn't have to cost a fortune; in fact, you can do it while spending very little!
💳 Disney Credit Cards
Disney offers two credit cards:
Disney® Visa®
This card has no annual fee and offers 1% cash back on all purchases and usually has a $150 welcome bonus that may vary depending on the current offer.
The cash back is received as Disney Rewards Dollars. The Disney Rewards Dollars generated can be used within the Disney ecosystem (more on this below).
Disney® Premier Visa®
The second card has an annual fee of $49. It offers 5% cash back on Disney Plus, Hulu, and ESPN Plus; 2% cash back at gas stations, grocery stores, restaurants, and domestic Disney locations; and 1% on all other purchases. It usually has a $300 welcome bonus, which can also vary depending on the current offer.
Similar to the first card, rewards are accumulated as Disney Rewards Dollars.
Using Disney Rewards Dollars
The rewards earned with both cards can be used for park tickets, cruises, and Disney hotels. They can also be used for certain Disney-related purchases and entertainment. You can see all the redemption options here.
⚠️ The main problem is that Disney Rewards Dollars are tied solely to Disney. This means that if you change your mind about your trip or if you want to take a non-Disney related trip, your rewards are "tied" to that ecosystem.
That is a major disadvantage, plus the rewards structure of these cards doesn't necessarily justify making them a priority.
It is preferable to handle expenses with a card that generates flexible points that could be redeemed in the ways we mentioned above, or for any other trip we want to take and that will likely give us a higher value for the same points.
Additional benefits
Despite the limitation of rewards, Disney cards do offer some selling points if you are a Disney fan, or if you have kids who are.
Disney cards often offer other perks or discounts on certain products or services within the Disney ecosystem. This can vary depending on the time of year.
The only reason we would consider either of these cards would be for a high welcome bonus, as this can be integrated into the Disney trip strategy without compromising other types of points for other trips.
The Bottom Line
While the biggest challenge is covering the cost of tickets, there are different strategies to do so using points or cash back, whether by generating them with the purchase, using them to "erase" the expense, or redeeming them for cash to pay the charge.
Flights and hotels are generally more straightforward to cover with points and miles, and this is something you are going to learn to manage to the fullest in the Points and Miles Academy™.
More from 2 with Points
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