Credit Cards Travel

The Cheapest Way to Book a Disney Cruise With Points and Miles

It’s been a while since I’ve watched the Travel Channel, but a few years ago they were running a constant stream of shows about cruising. One show focused on Disney Cruises, which looked really fun. Even to someone who doesn’t have kids and would normally hyperventilate at the thought of being confined in a cruise ship filled with them for an extended period of time.

Disney Cruise Line

My nieces are at that age where they’re obsessed with everything Disney (i.e. age 1 – 65). After a disastrous weekend trip to Disneyland, my sister is thinking of opting for a Disney Cruise next time. She asked me what her options were for booking a Disney Cruise with points and miles. I also figured this information might be relevant to some of you parents reading this blog. Thus, an extensive post was in order!

Book a Disney Cruise With American Express Membership Rewards

American Express Membership Rewards points are worth 1 cent each towards cruise bookings made through Pay with Points. However, the American Express travel website doesn’t list Disney Cruises in their search results, so another option is to use your Membership Rewards points for statement credits at a rate of 0.6 cents each. With Disney Cruises starting at $465 per person, this would require over 77,500 Membership Rewards points per person after taxes. Obviously, this isn’t the best use of Membership Rewards points. It’s much more prudent to book a non-Disney Cruise through Pay with Points and get 1 cent per point, along with a 20% point discount for American Express Platinum Business cardholders.

Book a Disney Cruise With Barclay Arrival Miles

One of my favorite rewards currencies (which I’m sure you’re all either sick of reading about or have turned into a drinking game), Barclay Arrival Miles are worth 1.1 cents each towards travel. The 46,000 mile sign-up bonus from the Barclay Arrival Plus World Elite MasterCard, is worth $483 towards a cruise. Since the Barclay Arrival Plus card earns 2 miles per $1 spent, it’s worth channeling your household spending or churning some gift cards to increase your Arrival miles balance and off-set some more of your travel expenses.

Book a Disney Cruise With Chase Ultimate Rewards

It’s pretty baffling that Chase allows you to book everything from airfare to walking tours through the Ultimate Rewards Travel Portal, yet you have to call to redeem points for a cruise. Ultimate Rewards points are worth 1 cent each towards cruise bookings. Plus, there’s a 50% discount for Sapphire Reserve cardholders. The Chase Sapphire Reserve card currently offers 50,000 points after $4,000 spent in 3 months. Since Sapphire Reserve cardholders get a 50% bonus on points, the sign-up bonus is worth $810 towards a Disney Cruise. 

Book a Disney Cruise With Citi ThankYou Points

Citi ThankYou points are worth 1 cent each towards cruise bookings, though Citi ThankYou Premier cardholders get 1.25 cents per point. This makes the 53,000 point sign-up bonus of the Citi ThankYou Premier card the best option, since it can be redeemed for $662 towards a Disney Cruise. 

Book a Disney Cruise With Disney Credit Cards

Cruise credit cards are the worst when it comes to sign-up bonuses and the Disney cards from Chase are no exception. The Disney Rewards Visa offers a measly $50 statement credit after first purchase. Really, they might as well offer an inflatable Spiderman toy at that rate. Besides, booking a Disney Cruise with the Disney Debit Card from Chase gets you the same $50 statement credit, without the 5 point hit on your credit.

The Disney Premier Visa offers a $100 statement credit after $500 spent within 3 months, however the Disney website lists an offer for a $200 statement credit. In case you’re considering getting this card, don’t. Just…don’t. 

Book a Disney Cruise With Disney Gift Cards

Disney Gift Cards can be used for both onboard charges as well as cruise bookings. I’ve seen these gift cards at my local Safeway store Purchasing them with a category bonus-earning credit card won’t cover the cost of the cruise, but it will earn you extra points or cash back that you can redeem for future travel.

Book a Disney Cruise with United MileagePlus Miles

Airline frequent flyer programs offer some generous bonuses on cruise bookings. But did you know you can also redeem airline miles for a cruise? United Cruises allows you to do just that. Similar to an airline award ticket, cruises booked with miles come with taxes and fees. A 3-night Bahamas cruise cost $465 per person or 54,706 miles for an Interior cabin.

United redemption rates for a Disney Cruise
United redemption rates for a Disney Cruise
Paid rates for a Disney Cruise
Paid rates for a Disney Cruise

Taxes and fees for two people are an additional $135.02, plus a $24.99 processing fee. At less than 0.85 cents per mile, this isn’t the best use of United miles. However, to some it’s worth it for a 3-night vacation that includes transportation (except for airfare), lodging, and meals. I’d recommend using the sign-up bonus from the Barclay Arrival Plus card to cover the cost of the cruise. United miles are best saved for hassle-free award tickets to Europe.

Those are some of your best options for booking a Disney Cruise with points and miles. Barclay Arrival Miles offer the best value, since they are accrued at a rate of 2.1 miles per $1 spent. I would steer clear of using United miles or the Disney credit cards. You’ll get very little in the way of value from these currencies.  

If you decide to book a Disney Cruise with a rewards card that allows you to redeem points for travel purchases, don’t forget to shop through a cash back or rewards portal for extra savings and points.

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  1. Is there a way to use multiple credit cards to pay for this cruise? I have a family of 5 so a cruise would be a minimum of $3,500. Thanks!

    • Certainly. If you and your spouse each got one card from each bank (i.e. Barclay Arrival, Citi Prestige, Sapphire), you could easily cover 5 people. Right now the Platinum cards have pretty hefty bonuses so if you can manage to meet the spend (preferably without ms, to avoid claw-backs) you can achieve this with even fewer credit c

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