I’ve been getting some AWESOME reader emails lately. I posted on last week about what to do with some extra cash after being AMAZING at saving. We had super awesome reader feedback in the comments as well, and Laura even came back in the comments to address all the suggestions. Really cool!
Last week, I received another reader email asking about credit card churning and get bonus rewards. I’m sure you’ve seen all my posts about this stuff, but Jessica sent an email that I bet a lot of you would be interested in. She wanted to take her family to Disney ON THE CHEAP. So I responded and showed her one of the many ways you can get to Disneyworld on credit card rewards. Let me know what you think.
Get Me To Disney On Credit Card Points!
I just read your post on credit card churning and am very interested in doing something similar for a Disney vacation–any advice?
Here’s How To Make It Happen
For Disney, is really depends on how many are going, which Disney (Florida or California), and how long you want to go? For a typical family of four to Florida, let’s say, you would need 4 round-trip airline tickets, a hotel for 6 nights, and money for the parks. Here’s what I might suggest:
2 Starwood AMEX credit cards (30,000 points each [if you sign up before Sept. 2nd, otherwise it’s 25,000 points, which is still enough], $5,000 minimum spend in 6 months on each card to get the bonus points) = 60,000 points + 10,000 more points for spending $10,000 on them = 70,000 points.
2 Chase Sapphire Preferred credit cards (40,000 bonus points each, $3,000 minimum spend in 3 months on each card to get the bonus points) = 80,000 bonus points + 6,000 more points for spending $6,000 on them = 86,000 points.
2 Citi AAdvantage American Airlines Visa cards (Limited Time 40,000 bonus points each, $3,000 minimum spend in 3 months on each card to get bonus points) = 80,000 bonus miles + 6,000 more miles for spending $6,000 on them = 86,000 miles. Find it here (non-affiliate link)
Here’s a short breakdown:
Disney Swan (or Dolphin) hotel (near Epcot Center) = 10,000 points a night. You’d have 70,000 points, enough for 8 nights. Because when you book 4 nights on points, the 5th night is free!
$860 Cash = 86,000 Chase Ultimate Reward Points using the Chase Sapphire cards. This should help buy tickets for a week, though Disney is CRAZY expensive, but at least this will pay for most of them.
2 free flights (or more) = Using the American Airlines cards, you should get at least 2 free flights (40,000 miles per flight). If you’re closer to Florida, might even be able to get more, or if you find a cheap flight. Either way, 2 free flights it better than none.
Phew! I know that’s a lot of info, but it should save you a few grand or more on your vacation. The hardest thing would be hitting the minimum spending on these cards (Which would be $22,000 in 6 months if you got the cards all at once!). I would space it out. I usually get myself 2 cards every 3 months to help with this, and put EVERYTHING on the cards (bills, utilities, all spending, etc.). Then I get my wife 2 cards, wash, rinse, repeat. If you space them out over a year, you should be good to go!
So basically you get one of each card, your husband (or boyfriend, or friend) gets one of each card, and you should have enough to cover everything I listed above.
Hope that helps, definitely let me know if you have any further questions J
Happy to help!
After I sent this mail, though I found another sweet deal that might even be a better option here. Check it out:
Starwood Nights and Flights
I was perusing a travel blog and saw this deal here. You can trade 70,000 Starwood points (coincidentally, exactly how much they would earn above) for 5 nights in a Category 4 hotel (again, the hotels I listed above are Category 4 hotels) AND 50,000 airline miles with a Starwood partner. Alaska airlines would be the perfect partner to transfer these miles to! So they could get one (maybe two, depending on how close they are) flights PLUS 5 free nights with just the two Starwood AMEX credit cards. HOLY CRAP! Then the Citi cards would pay for the other flights and BAM! Free flights and hotel for 5 nights. Nothing out of pocket!
For those who want to enjoy free travel as well, you can read up more on it HERE.
Comments: I know there is more than one way to skin a cat (Seriously?! Who skins cats?!), so I’d like your take on my plan here. How would you do Disney for a family of four? Pay cash? Find awesome deals without points? Or do you have a points strategy that would work even better? Let me know!