The best credit card for a Disney vacation is the Capital One Venture Rewards Credit Card (see Rates & Fees) because it offers 75,000 miles for spending $4,000 on purchases within 3 months from account opening, worth $750 in travel. Cardholders also earn 2 - 5 miles per $1 spent on purchases, and you can redeem for any type of travel. You can see how Venture stacks up against the rest of our picks below.
To identify the best credit cards for Disney, WalletHub’s editors analyze our database of 1,500+ credit cards. We focus on the savings or costs the average consumer will experience over 24 months of use, after subtracting annual fees from expected rewards earnings. Using a two-year timeframe helps level the playing field between cards with big initial bonuses and cards with better ongoing rewards. We also consider unique features that make cards good for Disney, from bonus rewards to credits to other Disney-related perks.
How Two-Year Cost Is Calculated
Two-year cost is used to approximate the monetary value of cards for better comparison and is calculated by combining annual and monthly membership fees over two years, adding any one-time fees or other fees (like balance transfer fees), adding any interest costs, and subtracting rewards. Negative amounts indicate savings. When fees or other terms are presented as a range, we use the midpoint for scoring purposes.
Rewards bonuses and credits have been taken into account for two-year cost calculations. However, bonuses applicable to only a very small portion of cardholders are not considered. For example, credits and bonuses awarded for spending or redeeming rewards through a company portal with non-co-branded cards have not been taken into account. Similarly, bonuses and credits related to spending with specific merchants using a non-co-branded card have not been taken into account (for example, if Card A offers credits with DoorDash, this feature would not be factored into calculations because it is hard to assess how many cardholders would use the benefit or exactly how much value they'd get from it).
Cardholder Spending Profiles
Given that different users have different goals and are likely to use their credit cards differently, we identified spending profiles that are representative of different users’ financial priorities and behaviors. For each cardholder type, we have assumed a specific amount of monthly spending by purchase type (e.g., groceries, gas, etc.), as well as an average balance, balance transfer amount, amount spent on large purchases and average monthly payment. Spending assumptions are based on Bureau of Labor Statistics data.
WalletHub actively maintains a database of 1,500+ credit card offers, from which we select the best credit card promotions for different applicants as well as derive market-wide takeaways and trends. The underlying data is compiled from credit card company websites or provided directly by the credit card issuers. We also leverage data from the Bureau of Labor Statistics to develop cardholder profiles, used to estimate cards’ potential savings.
Best Credit Cards for Disney Compared
| Credit Card | Best for | Annual Fee | Min. Credit |
| Disney Premier Credit Card | Overall | $49 | Good |
| Disney® Visa® Card | No Annual Fee | $0 | Good |
| Blue Cash Preferred® Card from American Express | Streaming Rewards | $0 intro 1st yr, $95 after | Good |
| Capital One Savor Cash Rewards Credit Card (see Rates & Fees) | Cash Rewards | $0 | Good |
| Capital One Venture Rewards Credit Card (see Rates & Fees) | Travel Rewards | $95 | Good |
| Marriott Bonvoy Boundless® Credit Card | Hotel Rewards | $95 | Good |
Methodology for Selecting the Best Credit Cards for Disney
To identify the best credit cards for Disney, WalletHub’s editors analyze our database of 1,500+ credit cards. We focus on the savings or costs the average consumer will experience over 24 months of use, after subtracting annual fees from expected rewards earnings. Using a two-year timeframe helps level the playing field between cards with big initial bonuses and cards with better ongoing rewards. We also consider unique features that make cards good for Disney, from bonus rewards to credits to other Disney-related perks.
How Two-Year Cost Is Calculated
Two-year cost is used to approximate the monetary value of cards for better comparison and is calculated by combining annual and monthly membership fees over two years, adding any one-time fees or other fees (like balance transfer fees), adding any interest costs, and subtracting rewards. Negative amounts indicate savings. When fees or other terms are presented as a range, we use the midpoint for scoring purposes.
Rewards bonuses and credits have been taken into account for two-year cost calculations. However, bonuses applicable to only a very small portion of cardholders are not considered. For example, credits and bonuses awarded for spending or redeeming rewards through a company portal with non-co-branded cards have not been taken into account. Similarly, bonuses and credits related to spending with specific merchants using a non-co-branded card have not been taken into account (for example, if Card A offers credits with DoorDash, this feature would not be factored into calculations because it is hard to assess how many cardholders would use the benefit or exactly how much value they'd get from it).
Cardholder Spending Profiles
Given that different users have different goals and are likely to use their credit cards differently, we identified spending profiles that are representative of different users’ financial priorities and behaviors. For each cardholder type, we have assumed a specific amount of monthly spending by purchase type (e.g., groceries, gas, etc.), as well as an average balance, balance transfer amount, amount spent on large purchases and average monthly payment. Spending assumptions are based on Bureau of Labor Statistics data.
Sources
WalletHub actively maintains a database of 1,500+ credit card offers, from which we select the best credit card promotions for different applicants as well as derive market-wide takeaways and trends. The underlying data is compiled from credit card company websites or provided directly by the credit card issuers. We also leverage data from the Bureau of Labor Statistics to develop cardholder profiles, used to estimate cards’ potential savings.
