How to Pay for Your Disney Trip

Welcome to Week 6 of Disney Wednesdays!  Today we’ll talk about dining options.  If you want to get caught up on the series, here are the other posts!

Week 1-Meet Alexia and win a Disney Gift Card

Week 2-Make a Disney budget and stick to it

Week 5-Which ticket option is best for you?

Week 6- Dining Plans

disney wednesdays

 

If you have been following this series, you should have already made your budget, decided when you are going, how you are getting there, where you are staying, your ticket option, and your food for your Disney World vacation. Today we will be discussing a few tips and tricks for paying for your Disney World vacation.

In the top ten ways to save on a Disney World vacation, we touched on the benefits of having a Disney Visa card. Today we are going to go into a little more detail about the benefits; but first, let’s discuss the three different types of Disney Visa cards.

First is the Disney Rewards Visa Card. With this card you will earn 1% in Disney Dream Reward Dollars on purchases made with your Disney Rewards Visa Card. So, for every $100 in qualifying purchases on the card, you earn one Disney Dream Reward Dollar. One Disney Dream Reward Dollar is worth $1 when redeeming for Disney products and offerings. You can redeem your points while on vacation for Disney theme park tickets, resort stays, Disney dining and more. There are no black-out dates. You will also receive a $50 Disney gift card after your first purchase with the credit card. There is no annual fee with this card.

Second is the Disney Premier Visa Card. With this card you will earn 2% in Disney Dream Reward Dollars on card purchases at gas stations, grocery stores, restaurants and most Disney locations. You will earn 1% on all your other card purchases. You can redeem your points while on vacation for Disney theme park tickets, resort stays, Disney dining, airfare, and more. You will also receive a $100 Disney gift card after you spend $500 within the first three months of opening your account. There are no black-out dates. There is a $49.00 annual fee with this card.

Third is the Disney Visa Debit Card. You must have a Chase checking account in order to qualify for the Disney Visa Debit Card. Although you will not earn Disney Dream Rewards Dollars with your purchases, you will qualify for other perks. With all three cards, you will be able to book advance Disney vacation discounts before they are released to the public. Other perks for all three cardholders include: 10% off on select merchandise purchases of $50 or more at DisneyStore.com and Disney Store locations, Character Meet ‘N’ Greet at the private card member location at Epcot, 10% off on select merchandise purchases of $50 or more at select locations at Walt Disney World, 10% off select dining locations at Walt Disney World (meal period restrictions may apply,) and 20% off the non-discounted price of select guided tours at Walt Disney World.

If the Disney Visa Card isn’t your thing, consider getting a Target Red Card. A lot of people are confused when I first mention this. What does Target have to do with a Disney vacation? Target offers a 5% discount to Red Card holders. This discount includes entertainment cards. Most Target locations sell $50.00 Disney gift cards. You can purchase these $50.00 gift cards for $47.50 using your Red Card. These gift cards can then be used toward your Disney vacation, meals, or souvenirs. With the Target Red Card you have two options: Target Visa Credit Card and Target Debit Card. Both cards offer the same perks. The only major difference is that one is a credit card and one is a debit card. One major thing to keep in mind is to keep all of your gift cards. If you cancel your vacation for any reason, you will be refunded how you paid. If you pay using gift cards, all that money will be put back on each of those gift cards.

Personally, I love the Target Red Card Debit Card. On our October 2012 Disney vacation I was able to purchase $1,000 worth of Disney gift cards for $950 using my Target Red Card Debit Card. While that might not seem like a big savings for many people, for me that was $50 saved that I could put towards gas or souvenirs. Although I did not have a Disney Rewards Visa card our last trip, I do now and am starting to earn Disney Dream Reward Dollars for our next trip. I know several people who have said that they were able to pay off a good portion of their vacations using their Disney Dream Reward Dollars.

Do any of you guys use these tricks or have any other tips and tricks for making your money stretch for your Disney vacations?

Need help planning your dream Disney vacation?  Alexia can help.  Get in touch with her by requesting a quote here or clicking the button in the sidebar.

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4 thoughts on “How to Pay for Your Disney Trip

  1. monica

    Great tips!! We haven’t gone yet and are dying to take our kiddos within the next two years. But it is a big trip. Alexi’s post is helpful!

    Reply
  2. Meredith

    While we are still very much in the “dreaming” stage of our Disney trip, I am just filing these posts and hanging on for later–when I will hire you to coordinate the whole trip for me in the most savvy way ever!

    Reply

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