Credit Card Categorization for pre-paid meals, Disney Restaurants

[mar7967]

Hi All! Hopefully this is the right place to ask this question (over the restaurants forum). When I prepay for a meal (like Spirit of Aloha) when I make the ADR, does this get categorized as a restaurant on my credit card? What about when I pay at a QS/TS restaurant? I will want to use a 5% cash-back card to make these purchases if so.

Thanks!

 

[Rickat96]

If your staying on property- don't charge to your room (with Magic Band) they will charge your CC when you reach $1500.00 as a blanket charge. I used my Disney Visa for this, looking at my statement-the food places I did not charge via my magic band listed the name of each restaurants by name.

 

[JillianMarie]

I get what you're asking and all the data points I've ever seen code every purchase made on Disney property as 'theme park'. I just checked the visa merchant lookup tool and I couldn't find any of the individual restaurants or hotels on property listed - it just all falls under the category of 'Aramark Disney World.' So, even if they show up on a statement as a separate charge, they might not code as 'restaurant'. The restaurants inside the Swolphin might be different as they're technically Starwood properties, so I'm honestly not sure how that would work. If you're asking about the Chase Freedom (which I suspect you might be) an alternative plan might be to take advantage of gift cards at Sam's/costco/BJs which earn 5% this quarter as well and use that to pre-pay. If you can't. I'm not sure if you can but it might be worth a shot.

 

[mar7967]

I get what you're asking and all the data points I've ever seen code every purchase made on Disney property as 'theme park'. I just checked the visa merchant lookup tool and I couldn't find any of the individual restaurants or hotels on property listed - it just all falls under the category of 'Aramark Disney World.' So, even if they show up on a statement as a separate charge, they might not code as 'restaurant'. The restaurants inside the Swolphin might be different as they're technically Starwood properties, so I'm honestly not sure how that would work. If you're asking about the Chase Freedom (which I suspect you might be) an alternative plan might be to take advantage of gift cards at Sam's/costco/BJs which earn 5% this quarter as well and use that to pre-pay. If you can't. I'm not sure if you can but it might be worth a shot.

Thanks! Very helpful! I had a feeling.

I am asking about the Chase Freedom for now, and certainly plan to get some gift cards. I'm not sure what the Q1 categories will be next year (which is when my trip is), so I didn't know if it would make sense to use the 5% card then and save the gift cards for my next trip.