Favourite points credit card?

[EllenMurphy]

Do you have a points credit card that you have that has helped you save/pay for a Disney trip?

 

[GBRforWDW]

Do you have a points credit card that you have that has helped you save/pay for a Disney trip?

I have a Delta AmEx and Chase Disney card. We used the free miles we got when we signed up for the card to fly to Orlando. Only had to pay for 1 flight instead of 3.

with Chase rewards, I had 70 points from booking the Disney trip etc, so bought a souvenir sweatshirt with it. I also used my Disney card for everything there, my statement date was the last day of the trip, so got more rewards and was able to buy another $20 souvenir with it before leaving!

 

[EllenMurphy]

Is that card available to Canadians?

 

[efrant]

Is that card available to Canadians?

It is, but since it's a U.S. card, it takes a fair bit of effort and time to get it, i.e., need to get yourself a U.S. domiciled bank account, a U.S. mailing address, an ITIN, and a start to your U.S. credit history. Americans are lucky with the number and quality of credit cards they have. But as a Canadian, if you are willing to put the time and effort to get a U.S. credit card, there are much better options than the Disney card. And don't forget, generally speaking, using U.S. credit cards in Canada is typically not as worthwhile as using U.S. credit cards in the U.S. You are better off with a high-earning Canadian credit card for your spend in Canada, and a no-forex fee Canadian credit card for your U.S. spend (unless of course you live a chunk of the year in the U.S., at which point U.S. credit cards become much more appealing in terms of rewards).

As for the best way to earn a lot of points to pay for Disney trips, the best way is to sign-up for credit cards to get the sign-up bonuses. Sign-up bonuses come in all sorts: Aeroplan points, WestJet dollars, cashback, travel points, hotel points, etc., so you will need to determine what you want to pay for with points. For example, the TD Aeroplan Visa Infinite has a 20k Aeroplan point sign-up bonus and a buddy pass. With that, you could basically pay for one ticket to Orlando, use points for another and use the buddy pass for a third. If you need more than three tickets, you can sign-up for a card, and your spouse can sign up for a card. That way, you could essentially pay for two tickets, and get a total of six people travelling. And that credit card offers a free checked bag for up to nine people traveling on the same reservation as the cardholder. That's just one example, but there are many credit cards that you can sign-up for, each with its own sign-up bonus. And as long as you use the credit cards responsibly (i.e., not keep a balance on them), you should be able to sign up for multiple credit cards a year (and cancel before the second year annual fee comes due), with no impact on your credit score.

 

[bankr63]

PC Mastercard if you shop at Loblaw/Shopper's Drug Mart/Esso. If you take advantage of all the opportunities to leverage points and double dip you can save thousands a year. Then when you redeem points for groceries, just put the dollars saved into your Disney account.

It takes just a little bit of discipline to remember to save. The best part IMO is that you are not tied to any one carrier/hotel/time period. Travel when and how you want with your savings and take advantage of the best savings offers you can find.

 

[sweethannah]

I use my credit union (Collabria) gold card for almost all my purchases. It offers $1 for 1 point which can be redeemed as cash or as travel. I also use my pc optimum at Shopper's/Superstore and when I redeem those points I put the money saved into my travel account. I've looked into travel cards and I'm not sure if the annual fee is worth the savings. I wanted the Westjet Mastercard for ages because of the perks but I'm still on the fence.

 

[pigletto]

Westjet world elite. Between the sign up bonus, Westjet rewards earned and yearly companion fare it covers the majority of the direct flights there and back. We also get one free bag for everyone booked on the reservation.

For everything else we use the Amazon MasterCard. You get 2.5 back in Amazon credit on foreign purchases so that pretty much covers the forex for us. We use it as our daily card and rack up Amazon credit pretty fast. We will save our credit for the next year and use it all for Christmas or see if we can use it for Amazon grocery delivery next time we go to Florida. I will have to check into that one and see if I can use the credit for that purpose but we should have at least $600 by the end of the year and can always use it for something.

 

[sweethannah]

argh, I'd love the World Elite but we are about 10K sort of the annual income requirement which sucks especially since we don't have any debt repayments ( no loans/mtg ) which you think would work in our favour.

 

[kuhltiffany]

I got one of these, 2% cash back, $99 yearly fee https://www.americanexpress.com/ca/...CreditCards-SimplyCashPreferred-learnmore-top

 

[CanucksRock]

I have both the RBC Avion & WJ WE card. I like the Avion because I can use the points for any flight. I like the WJ for the companion fare...although right now, I have two vouchers just sitting there not being able to be used

 

[momof2gr8kids]

PC Mastercard if you shop at Loblaw/Shopper's Drug Mart/Esso. If you take advantage of all the opportunities to leverage points and double dip you can save thousands a year. Then when you redeem points for groceries, just put the dollars saved into your Disney account.

It takes just a little bit of discipline to remember to save. The best part IMO is that you are not tied to any one carrier/hotel/time period. Travel when and how you want with your savings and take advantage of the best savings offers you can find.

That's what I did today. $303.00 grocery order ended up being $3, wiht $300 into my vacation fund. I find getting PC points easier since we take advantage of the shoppers bonuses, etc. And a lot more flexible to have that cash in hand to do what you want with. Fly out of USA, rent a condo, pay for your timeshare annual dues, buy tickets, etc.

 

[wdwmom3]

That's what I did today. $303.00 grocery order ended up being $3, wiht $300 into my vacation fund. I find getting PC points easier since we take advantage of the shoppers bonuses, etc. And a lot more flexible to have that cash in hand to do what you want with. Fly out of USA, rent a condo, pay for your timeshare annual dues, buy tickets, etc.

I love my PC Card. Another bonus, while you don’t get the normal pc points when you buy a Disney gift card at shoppers (since gift cards are excluded) you do get the PC points from the MasterCard for the spend at shoppers.

So we get 3% back in PC points for any Disney gift cards we buy there.

I also find it easy to rack up the pc points with all the bonus offers at shoppers. When I get a 20x the points offer I will look at what’s on sale at shoppers and stock up, with the extra 3% from the PC Card it can add up to a lot of points fast. And the bonus redemption days just make it even better.

 

[momof2gr8kids]

I love my PC Card. Another bonus, while you don’t get the normal pc points when you buy a Disney gift card at shoppers (since gift cards are excluded) you do get the PC points from the MasterCard for the spend at shoppers.

So we get 3% back in PC points for any Disney gift cards we buy there.

I also find it easy to rack up the pc points with all the bonus offers at shoppers. When I get a 20x the points offer I will look at what’s on sale at shoppers and stock up, with the extra 3% from the PC Card it can add up to a lot of points fast. And the bonus redemption days just make it even better.

I always check what I can get at Shoppers first during the bonus points which I get at least every 2 weeks. I also shop for my brother in law so I get his basics like milk, eggs, bacon, cheese, cottage cheese from there because they are always on sale so that helps!