A Disney vacation remains one of the most exciting experiences for families. At the same time, it’s also a significant financial commitment. From airfare and hotel stays to park tickets and meals, the costs quickly stack up.

Still, with the right travel credit card, families can soften the blow by earning points, scoring cashback, and unlocking travel perks that make the trip both magical and manageable.

This guide explores the top travel credit cards for a Disney vacation in 2025. Whether looking for flexible rewards, hotel benefits, or dining discounts, these cards help stretch every dollar without compromising the fun.

1. Chase Sapphire Preferred® Card

The Chase Sapphire Preferred card stands out with its strong rewards structure and travel-specific benefits. Cardholders receive 5x as many points for travel via Chase Travel, 3x for meals and some streaming, and 2x for other travel-related expenditures. New users can also secure a generous 60,000-point bonus after spending $5,000 in the first three months.

Instagram | @upgradedpoints | Chase Sapphire Preferred helps travelers earn more points and save on trips.

One of its biggest advantages includes the 25% point redemption boost when booking through Chase Travel. That means points earned from Disney expenses could cover more of the next trip.

The card also provides $50 in annual hotel credits through Chase and a 10% anniversary points bonus. For families planning regular vacations or even local getaways, this card offers a solid mix of daily use perks and travel flexibility.

2. Capital One Savor Cash Rewards

The Capital One Savor card benefits families who plan to enjoy meals across Disney parks or attend shows and experiences during the trip. With 3% cash back on dining and entertainment, plus 5% on travel booked through Capital One and 8% on Capital One Entertainment, it stacks up fast.

Though amusement park ticket coding may vary by vendor, many Disney ticket purchases qualify for the entertainment cashback category. This allows visitors to earn while spending on key parts of the vacation. With a $0 annual fee and a $200 intro bonus, it brings easy savings without a long-term commitment.

3. Chase Freedom Unlimited®

Instagram | @creditspeakk | Chase Freedom Unlimited gives easy cash back with no fees and travel options.

For those who prefer cash rewards, the Chase Freedom Unlimited card delivers value with zero annual cost. It earns 5% back on travel via Chase, 3% at restaurants and drugstores, and 1.5% on other purchases. The welcome offer includes a $200 bonus after just $500 in initial purchases.

Users can redeem cash back directly or convert it into points for added travel value if paired with a Chase Sapphire account. Its straightforward reward structure makes it perfect for covering everyday expenses and rolling the savings into future Disney fun.

5. Chase Sapphire Reserve®

The Chase Sapphire Reserve card comes with a steep $550 annual fee but justifies it with standout features. Cardholders receive a $300 annual travel credit, 10x points on hotel bookings via Chase, and 3x points on other travel and dining.

Points also get a 50% boost when redeemed through Chase Travel, adding extra value. For example, 31,424 points from Disney expenses could equal $471.36 in future trip credits. Additional perks like airport lounge access and Global Entry fee reimbursement enhance travel comfort throughout the year.

6. Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass® Card

Instagram | @islandmiler | Hilton Amex Surpass boosts hotel rewards and gives families extra travel perks.

Hilton fans benefit greatly from the Amex Surpass card. It offers 12x points on Hilton stays and 6x on gas, groceries, and restaurants in the U.S. After spending $3,000 in six months, users get 130,000 Hilton Honors points. Additional perks include Gold status, $200 in Hilton statement credits per year, and one free night after $15,000 in yearly spending.

Families staying at Hilton-affiliated Disney-area hotels can quickly rack up points while enjoying on-site perks. With properties like Signia by Hilton Orlando Bonnet Creek on Walt Disney World grounds, staying with Hilton becomes both rewarding and convenient.

7. Marriott Bonvoy Boundless® Card

The Bonvoy Boundless card fits those loyal to Marriott hotels, including those near Disneyland and Disney World. The card gives up to 17x points at Marriott properties and 3x at grocery stores, gas stations, and restaurants. After spending $3,000 in three months, new users receive three free night awards.

Benefits include a free anniversary night, 15 elite night credits annually, and automatic Silver Elite status. Disney-area Marriott properties like the Swan and Dolphin offer luxury stays near the parks and make point redemptions worthwhile.

8. Disney® Visa® Card

This no-fee Disney Visa card offers similar park discounts and access to exclusive character photo opportunities. The rewards rate is a flat 1% in Disney Rewards Dollars on all purchases, which is low but can still add up for families committed to regular Disney travel.

While not ideal for maximizing point value, this card appeals to casual Disney fans seeking a no-cost option with park perks, including discounts at select restaurants, merchandise stores, and resort tours.

9. Disney® Premier Visa® Card

Instagram | @disneylifestylers | Disney Premier Visa gives fans park savings and travel rewards all year.

The Disney Premier Visa charges a modest $49 annual fee and delivers on Disney-specific perks. Customers receive 1% in Disney Rewards Dollars everywhere else, 2% on groceries, gas, and dining establishments, and 5% on Disney+ purchases.

The card offers 10% off Disney stores, 15% off some park tours, and exclusive financing on trip packages in along with other incentives. It also provides Pay Yourself Back redemptions toward airline tickets, helping travelers earn Disney rewards while covering flights.

10. Southwest Rapid Rewards® Premier Card

Southwest’s card offers excellent value for families flying into Orlando (MCO) or Orange County (SNA). Benefits include an annual 6,000-point bonus and two EarlyBird check-ins each year, improving boarding without paying out-of-pocket.

It’s best suited for those already flying Southwest often. For these travelers, the 2x points on Southwest purchases, access to promotional fares, and ease of using points for family trips make the card worth the annual fee.

How Much Does a Disney Trip Cost?

Planning for a Disney vacation means understanding where money goes. On average, a five-night Disney trip for a family of four from Chicago includes four park days and breaks down as follows:

Flights typically cost around $1,678.31 for round-trip tickets. Hotels average $1,902.59 for five nights near the parks. Standard one-park tickets for four days reach $2,173.37, and meals across the trip land near $596. That brings the total to $6,350.27.

With this price tag in mind, picking the right travel credit card can offset hundreds in costs through welcome bonuses, cashback, and rewards redemptions. Pairing one or two well-matched cards based on how and where you plan to spend can help turn a costly vacation into a smarter financial decision.

Helen Hayward