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Guess what, if you're at this post, it's probably time for you to open a new credit card. No, no, we're not saying that it's always time for everyone to open a new credit card. But if you're on our site, chance are you're planning a trip to a Disney destination. And that means you have a chance to earn a huge amount of points by opening a new credit card.
Disney Trips Are Expensive
Even if you book cheap flights, save on your Disney hotel, and get discount Disney tickets, chances are your vacation is still going to cost thousands of dollars (though if you play your cards right, pun intended, you can visit Walt Disney World for almost free).
Every Disney trip is a pain on the wallet. We booked one last week and sometimes the numbers get so high you just have to take a second to breathe! But there's always one way to make things easier.
Earning A Credit Card Signup Bonus
- You apply for a credit card through an offer link that offers, for example, 50,000 points for spending $4,000 in three months
- You get approved for the card
- You spend the required amount in the required time
- The bonus points post to your account
The challenge of earning any signup bonus is hitting that spending minimum. $4,000 in three months is pretty typical, and even with careful planning it's not always easy to hit that.
Remember, a signup bonus can be worth a lot of money. 50,000 Chase Ultimate Rewards points are worth $500 as a statement credit, and up to $750 towards travel expenses.
Earning Signup Bonuses With Your Disney Vacation
A Disney vacation obviously presents a unique opportunity to easily earn a signup bonus! If you can put the expenses associated with your trip on your new card, you'll earn the signup bonus. Here are a few things to remember when using this trick...
Pay Attention to Deposits vs. Payment In Full
If you have to spend $4000 by June, a $500 deposit today for a $3500 trip in July won't get you there! If you're going to be paying for the bulk of your vacation later, make sure that payment will occur in the window when your signup bonus is available.
Use Your Signup Bonus To Pay For Some Travel
This is easiest with statement credits, but if you can earn a signup bonus for the Chase Sapphire Preferred a few months in advance of your trip by booking rooms and tickets, for example, you could use the bonus to pay for some of your flights. Just make sure you leave the bonus four to six weeks to post.
Break It Up To Earn Multiple Bonuses
You have other expenses you put on credit cards! Break up your vacation spending over two periods on two cards just to give you that boost to hit the bonus. So in January, put down a deposit on your room and buy your tickets (say $2000 total) and put some of your day-to-day spending on a card to earn your first signup bonus.
Then in July, when you travel, pay for the rest of your vacation and, again, some other expenses to earn a second signup bonus.
What Cards To Consider [4/26/2018]
There's a lot that goes into picking a card. In this case, you're looking mostly for the best signup bonuses. The first two we recommend because they're also great cards are:
- Chase Sapphire Reserve (review, referral link to 50,000 bonus points)
- Chase Sapphire Preferred (analysis, referral link to 50,000 bonus points)
Those bonuses get you between $500 and $750 of value that's as good as cash. If you want to bother with transferring the points to fly business or first class, you can do that as well.
Finally, here are some other cards to consider based on your circumstance and how much you value the bonus:
- Citi AAdvantage (link to 60,000 bonus mile offer)
- Citi ThankYou Premier (link to 50,000 bonus point offer)
- Amex Platinum (link to description of 100,000 bonus point offer)
All Your Other Disney World Planning Questions Answered
Don't be overwhelmed by Disney World planning! Take a second to check out our most important content and you'll not only be an expert, but you'll save big $$$ along the way. If you're still picking dates, we've got everything you need to know about Disney crowd calendars. For picking your hotel, check out our Walt Disney World hotels guide.
Don't forget to master your Disney World Fastpass+ strategy a few months in advance. We'll keep you out of long lines so you can maximize the magical time in the parks!
Finally, before you head out, be sure to check out our to-the-point packing list, 10 essentials you forget to pack for every Disney trip. And if you're interested in saving, there's no better list than our 53 Ways to Save on your Disney trip from start to finish.