Top Credit Cards to Use on Your Disney Trip in 2025
Planning a Disney vacation in 2025? Choosing the right credit card can make a noticeable difference in how much you save and the perks you get along the way. Whether you’re booking theme park tickets, dining around Epcot, or grabbing merch at the gift shop, the right card can stretch your budget and even give you exclusive Disney perks.
From airline miles to statement credits and hotel discounts, here are some of the best credit cards to consider when heading to “Walt Disney World” or “Disneyland.”
1. Disney® Premier Visa® Card
Best for Passholders and Regular Park-Goers
This $49 annual fee card is designed for those who treat Disney as a second home. Earn 5% back in Disney Rewards Dollars when paying for Disney+, Hulu, or ESPN+, and get 2% at grocery stores, gas stations, restaurants, and U.S. Disney locations. All other purchases earn 1%.
The welcome bonus is attractive—spend $1,000 in three months and receive a $400 statement credit. Beyond rewards, cardholders get 10% off at select Disney dining spots and merchandise locations, plus 15% off guided tours. Even airline purchases can be covered with rewards, giving it added flexibility.
2. Disney® Visa® Card
Instagram | wdwprepschool | The Disney Visa Card is ideal for occasional visitors, offering savings and no annual fee.
Best for Occasional Visitors Looking to Save
Prefer a no-annual-fee card? This option offers solid Disney perks without the extra cost. Cardholders earn a $200 statement credit after spending $500 in the first three months. The 1% Disney Rewards Dollars back on every purchase may not sound like much, but it adds up for loyal fans.
Card benefits include 10% off merchandise and dining, 15% off guided tours, and access to exclusive Disney character photo opportunities—complete with free digital downloads. Plus, it comes with built-in travel and purchase protections for added peace of mind.
3. Chase Sapphire Preferred® Card
Best for Flexible Travel Rewards
With a $95 annual fee, this card isn’t Disney-specific but brings powerful rewards. Earn 60,000 bonus points after spending $5,000 in three months. Points are worth 25% more when used through Chase Travel, turning 60,000 points into $750 toward flights or hotels.
It earns 5x points on Chase Travel bookings, 3x on dining and select streaming services, and 2x on general travel. Points transfer 1:1 to airlines and hotels like Southwest and Marriott—two great options for getting close to the parks. Ideal for families planning multiple trips, not just Disney.
4. Chase Freedom Unlimited®
Best for High Cash-Back on Daily Spending
A no-annual-fee card with serious earning potential. New users get a $200 bonus after $500 in spending within three months. It earns 5% cash back on travel via Chase, 3% on dining and drugstores, and 1.5% on everything else.
While it’s not built around Disney, pairing it with a Chase Sapphire card can boost point redemption value. You can convert cash back into travel rewards, allowing you to save while spending on everyday purchases.
5. Capital One Savor Cash Rewards Credit Card
Best for Dining & Entertainment Fans
Disney trips often mean plenty of meals out, and this card makes those moments work harder. With no annual fee and a $200 bonus after $500 spent in three months, it’s a strong pick for foodies.
It offers 3% back on dining, grocery stores, streaming, and entertainment—including some amusement park ticket purchases. Plus, you get 5% back on hotels and rentals booked through Capital One Travel and 8% on Capital One Entertainment.
6. Hilton Honors American Express Surpass® Card
Best for Hilton Hotel Loyalty
Ideal for Disney travelers staying at Hilton properties near the parks. It comes with a $0 introductory fee for the first year, then $150 annually. Earn 130,000 Hilton Honors Points after spending $3,000 in six months.
The card provides automatic Hilton Gold status, up to $200 in Hilton statement credits annually, and a free night reward after $15,000 in yearly spending. The Signia by Hilton Orlando Bonnet Creek is even an official Disney World hotel, making this card a strong fit for regular Hilton guests.
7. Chase Sapphire Reserve®
Instagram | chasesapphire | The Chase Sapphire Reserve’s premium travel perks justify its $550 annual fee for frequent travelers.
Best for Premium Travel Perks
For frequent travelers, this premium $550 annual fee card offers serious value. A $300 annual travel credit, airport lounge access, TSA PreCheck/Global Entry credits, and premium travel insurance benefits make it more than worth it for many.
Points are worth 50% more when redeemed through Chase Travel. A single Disney trip earning 31,424 points could be redeemed for $471.36 in future travel. Also includes 3x points on travel and dining after the travel credit is used.
8. Marriott Bonvoy Boundless® Credit Card
Best for Marriott Loyalists
A $95 annual fee card with strong hotel rewards. New users earn three free night awards (up to 50,000 points each) after spending $3,000 in three months. Marriott has properties like the Walt Disney World Swan and Dolphin, giving you access to on-site perks.
You’ll also get 17x points on Marriott stays, an annual free night, and Silver Elite status. Great for travelers who already stick with Marriott for other vacations throughout the year.
Each credit card here offers unique advantages depending on how often you visit Disney, where you stay, and how you travel. From co-branded Disney cards with merchandise savings to flexible travel cards that stretch your dollar further, choosing the right one comes down to your personal travel habits.
Use the card that aligns best with your trip plans to get more from your Disney vacation—without paying more than you need to.