The Magic of Disney Covered with Points 🏰
If you’ve ever dreamed of taking your family to Disney without the huge price tag, you’re in luck — because you can actually use credit card points or statement credits to pay for Disney tickets.🎢✨
Here’s how it works:
Option 1: Buy Your Disney Tickets through Undercover Tourist
One of the best (and easiest!) ways to do this is through a certified third-party seller like UndercoverTourist. This site sells discounted park tickets that are 100% legitimate and usually a bit cheaper than buying directly through Disney. The best part about this site is that it codes as a “travel” category purchase on your credit card. Since Disney tickets normally register as "entertainment" and not "travel”, this is why Undercover Tourist is a smart option.
Hotel-and-ticket vacation packages booked directly with Disney or an authorized Disney travel planner, such as should also code as travel, if you’d rather go that route.
Option 2: Redeem as a Statement Credit
Let’s talk about the banks that let you use statement credits on your Disney purchases (when it codes as travel). This ensures your purchase codes as travel instead of entertainment — depending on the card — so you’ll even earn points on the purchase while planning to erase it later!
• Chase Ultimate Rewards® Points:
Three-day and longer Walt Disney World tickets can occasionally be found in the Chase Travel℠ portal, though this hasn’t been so since 2024…but it’s not impossible!
Even when Disney tickets aren't available via Chase Travel, you can put the Chase Sapphire Reserve's $300 annual travel credit toward Disney tickets as long as the charge codes as "travel" on your billing statement.
(Other tickets you can find in the portal to use points to pay for? Universal Studios and Legoland! 😲)
Cards that help get you the best points out there (imo 😉):
• Chase Sapphire Preferred or Reserve®
• Chase Business Ink Cash® or Unlimited® ($0 Annual Fee) - you need a Sapphire® or Reserve® card in order to transfer points to one of those and use the points in the portal
• Capital One Miles:
Capital One miles are great to transfer to airline and hotel partners when using them for a typical vacation, but you can also redeem Capital One miles at a fixed rate of 1 cent each toward travel purchases made using the card. Again, if you purchase through Disney, it will code as “entertainment”, but purchasing with your Capital One card through an authorized site like Undercover Tourist, will make the tickets code as “travel”.
If you are using your card to purchase a hotel-and-ticket vacation package, do so directly from Disney or through an authorized Disney vacation planner like Jolly Holiday Travel Company or Love The Mouse Travel. This way, the charge should code as travel and you can redeem miles to offset the charge.
If you have a Capital One Venture® Rewards card and use it to buy your tickets either through Undercover Tourist or a vacation planner, you could use the 75,000-mile welcome bonus that you can earn after spending the $4,000 on the card in the first three months as $750 toward a Disney trip.
• Capital One Venture®
• Citi Spark® Business Card - This DOES count towards your 5/24 status, even though it is technically a business card. If you’re not sure what 5/24 status is, check out this post.
• Bank of America Points:
This bank will give you a 1:1 ratio of points per cent to cover as a statement credit, but you won’t be able to buy tickets in a portal.
Bank of America Preferred Rewards® points, which can be earned from the Bank of America® Premium Rewards® credit card, are worth 1 cent each, so you can use a welcome offer to offset the cost of your tickets (as long as it codes as travel). Fo example, the welcome bonus right now is 60,000 points after $4,000 spent in the first 90 days from account opening. That has an equivalent value of $600 that you could use as a statement credit, essentially offsetting the cost of the Disney tickets when you charge them to that card.
Step 3: Sit Back and Enjoy the Magic✨
Once your points have been applied, you’ve just turned your everyday spending or business purchases into Disney magic — without draining your savings account.
You can use the same method for:
Universal Studios or Legoland tickets 🎢
Disneyland or Walt Disney World hotels
Other theme park and attraction passes on Undercover Tourist (like the U.S Open!)
We also just bought the Atlanta Pass that includes tickets to the Atlanta Zoo, Aquarium, and World of Coca-Cola® in Atlanta, Georgia through the Chase portal instead of paying $600 for my family of 6 to go to all of these!
It’s one of my favorite hacks because it gives families a real way to experience travel rewards — not just flights and hotels, but experiences that make lifelong memories.
Final Thoughts
If you’re already earning points with Chase, Capital One, Amex, or Citi, this is one of the best ways to make them work harder for you.
And if you’re new to the world of travel rewards, I’ve got you covered — check out my Beginner’s Guide to Points and Miles to get started and see how to build your next adventure for free (or close to it).
Happy Travels, Friends! ✌🏻✈️
