The Best Travel Credit Card To Use Before Your Disney Cruise

Are you planning a trip on Disney Cruise Line? If so, you’re probably wondering if there’s a way to save money on that cruise by using a travel credit card to earn points or rewards that can be used to pay for the cruise as well as pay for things ON the cruise.

Disney Adventure

Well, we talked to our team about some of our favorite travel credit cards and did a little math, but one specific credit card came out on top as the clear winner if you plan on booking a Disney Cruise. And we’re going to tell you all about it.

Winner: Chase Disney Inspire Visa

If you want to book a Disney Cruise, you may want to get the Chase Disney Inspire Visa. For starters, when you sign up for the card, you can earn extra $$$ in rewards just for getting approved for the card, as well as for spending a certain amount within the first three months of having it. Right now, that’s a $300 Disney gift card, as well as a $300 statement credit if you spend $1,000 on purchases in the first three months of having the card. So that’s already $600 you can use on your Disney Cruise.

Disney Inspire Visa

You’ll also earn 200 Disney Rewards Dollars after spending $2,000 per anniversary year on U.S. Disney resort and Disney Cruise Line bookings. The card also includes discounts on Disney Cruise Line for select purchases. When it comes to regular purchases, here’s what you’ll earn:

• Earn 10% on card purchases for Disney+, Hulu, or ESPN+
• Earn 3% on at gas stations and U.S. Disney locations
• Earn 2% on groceries and restaurants
• Earn 1% on all purchases

Disney Cruise Line!

But what really makes this the best card for Disney Cruises is the list of perks that come with it. You can get discounts while onboard a Disney Cruise Line ship, as well as discounted merchandise on packages and experiences at Disney Cruise Line’s island destinations. Here’s what you can get on a Disney Cruise with this card:

• 10% off select digital photo packages
• 10% off select merchandise purchases
• 10% off Castaway Cay Getaway Packages
• 10% off select Disney Lookout Cay at Lighthouse Point experiences
• 20% off select onboard spa treatments

Lookout Cay at Lighthouse Point

The Disney Inspire Visa does come with an annual fee of $149 per year (which is often waived for the first year), but these rewards could make it worth it.

Runner Up: Capital One Venture Rewards

Our team members also mentioned the Capital One Venture Rewards card as a good card for booking Disney vacations, including Disney Cruises. With this card, you automatically earn 2X points for every dollar spent, no matter what it is. Plus, you get 5X points on hotels, vacation rentals, and rental cars booked through the Capital One Travel site.

©Capital One

This card also comes with no foreign transaction fees (great if you plan on spending money at Disney Cruise Line ports) and no blackout dates. You can also use your rewards to pay for ANYTHING travel-related, including flights, vacation packages, hotels, cruises, and more. Just note that the card comes with an annual fee of $95 (generally deferred the first year), but in our experience, it is more than worth it.

Runner-Up: Chase Sapphire Preferred

Another card the DFB team likes is the Chase Sapphire Preferred card. With this card, you can earn 3X points at restaurants, including delivery and takeout, so if you eat out or order food delivery a lot, you can rack up points fast! You also get 2X points on travel purchases, as well as 5X points on travel purchases through Chase Travel (excluding hotels that qualify for the $50 annual Chase travel hotel credit).

©Chase

This card allows you to use your points on travel, cash back, and gift cards. You can also transfer points to airline and hotel partners, so if you need a flight to get to your Disney Cruise Line port or a hotel the night before a cruise, this card could help you pay for that. This card has an annual fee of $95 (which may also be waived for the first year).

No matter which credit card you choose, you’ll find travel rewards helpful for booking any kind of Disney trip, including cruises. Do your research and decide which is right for you, and soon, you’ll be earning points you can convert into your next vacation.

We’ll continue to give our best Disney vacation planning tips and tricks, so stay tuned to DFB for more.

Stop Paying for These 3 Things in Disney World. Your Credit Card Already Does!

DON'T DO IT ALONE!

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Our favorite people over at Small World Vacations are ready to help you save time, headaches, and best of all, money, when you book your Disney trip or cruise.

Their agents compare current offers to find the best deal for you -- they've literally saved their guests millions of dollars since 1996. Plus, their services are 100% FREE FOR YOU! (They're DFB's recommended travel agency, and you can see why here!)

So book that trip now, then sit back and enjoy planning your Disney World Trip with a DFB-approved expert! Click here for a no obligation price quote today, and let them know DFB sent you

Do you have a preferred travel card for paying for Disney Cruises? Let us know in the comments!

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