Heads Up: The Fed continues to raise rates — up 3% this year — making credit card debt even costlier.
Pay it off today with a low fixed-rate personal loan. View your rate —>

Guide to Saving Money on a Disney World Vacation in 2022

By Dan Miller · June 30, 2022 · 7 minute read

We’re here to help! First and foremost, SoFi Learn strives to be a beneficial resource to you as you navigate your financial journey. Read more We develop content that covers a variety of financial topics. Sometimes, that content may include information about products, features, or services that SoFi does not provide. We aim to break down complicated concepts, loop you in on the latest trends, and keep you up-to-date on the stuff you can use to help get your money right. Read less

Guide to Saving Money on a Disney World Vacation in 2022

There’s no denying that a Disney World vacation is at the top of many folks’ travel bucket list. But it’s also the case that traveling to Disney World can be expensive, especially if you’re traveling with the whole family. While there are some costs you won’t be able to avoid, there are ways to save money at Disney World.

If you’re heading on a vacation to Orlando, you can use credit card rewards points to help pay for your flights and hotels. It can be more challenging to get discounts on park tickets themselves, but there are a few tricks you can use when you are saving for Disney World. Read on for the full rundown on how to save money at Disney World.

Trips to Disney World

For many kids (and adults!), a trip to Disney World is a once-in-a-lifetime dream vacation. Many parents look forward to the day that they can take their kids to Disney just to see the looks on their faces when they walk into the Magic Kingdom. It’s not just kids though — many adults also dream of taking a trip to Disney World.

Recommended: How to Avoid Interest On a Credit Card

Using Credit Cards Efficiently on a Disney World Vacation

One of the best ways to save money at Disney World is by responsibly using a credit card. Many credit cards offer rewards or cash back for each purchase you make with the card. Additionally, it’s common for credit card issuers to offer a welcome offer that you can earn by signing up for the card and making a certain amount of purchases within the first few months of having the card.

Using these credit card rewards can help if you’re considering how to save money on a Disney vacation. You’ll just want to ensure you understand how credit cards work and how to use your credit card responsibly to ensure your Disney savings efforts don’t undercut your overall financial health.

Recommended: Does Applying For a Credit Card Hurt Your Credit Score

Using Card Travel Rewards on a Disney World Vacation

Applying for a rewards credit card that offers credit card miles or cash back rewards can help augment your Disney World budget.

The two areas where earning travel rewards can help you with saving money at Disney World are on flights and hotels. If you apply for an airline credit card, the miles you get might help cover your flights. Similarly, the hotel points you earn from a hotel credit card can help pay for your lodging while on a Disney World vacation.

Another way to save money at Disney World is by using a cashback credit card or a card that earns bank points.

Recommended: What is a Charge Card

Tips for Saving Money at Disney World

Besides using credit card rewards to travel for less, here are a few other ways that you can save money at Disney World.

Taking Advantage of a Free Disney Dining Plan

Once you’re at Disney World, one of the biggest expenses you’ll have is your food costs. Food can be quite expensive at Disney World, since they know that you’re a captive audience.

You can bring your own food to Disney World, but it usually isn’t a great option for many people. Occasionally, Disney runs sales where a Disney Dining Plan is included in the cost of your ticket. While it may not make sense for every situation, it’s worth checking out.

Picking the Right Season

The cost of Disney World park tickets is the same no matter when you go, but the cost of hotels varies throughout the year. Your Disney World hotel cost will depend on a number of factors, but a good rule of thumb is that the more popular times (spring break, summer vacation, holidays) also come with higher prices. Consider staying during the off-season or during shoulder season, when prices might be lower and there may be smaller crowds.

Never Paying Full Price for Hotels

Your hotel cost will be one of the biggest items of your Disney World vacation, so one tip to save money at Disney World is to not pay top dollar for hotels. One option could be using different credit card rewards to pay for your hotels. There are hotel credit cards that offer a signup bonus that could provide enough points to pay for most or even all of your Disney World trip.

Recommended: When Are Credit Card Payments Due

Sticking to Your Budget

Just like all aspects of your financial life, it’s a smart idea to set a budget while you’re at Disney World. Not only can this help you save the money to afford your trip, it can also keep you from spending too much while you’re there.

Remember, though, that saving money on a trip to Disney World doesn’t have to mean not having fun. Just make sure you budget appropriately and identify what is and is not important to you. This will help you stick to the important credit card rule of keeping your balance in check.

Picking Free Souvenirs

Like in-park food, souvenirs are another area where you’ll pay for convenience. If you have extra days in Orlando, consider shopping off-property for Disney souvenirs — like at Disney’s official Disney’s Character Warehouse store. If you’re traveling with kids, consider giving them an upfront “souvenir budget” and letting them choose how they want to spend it.

Buying Discounted Disney World Park Tickets

Because Disney World park tickets are usually in such high demand, there aren’t a lot of opportunities to buy them at a discount. To snag Disney World savings in this area, one option is to use cash back rewards toward the cost of Disney park tickets.

Another option is to look for stores that sell Disney gift cards. You can use Disney gift cards for almost anything at Disney World, and some stores will occasionally discount them. Even if you pay full price for a gift card, you might be able to get credit card rewards or credit card points with your gift card purchase.

Recommended: Can You Buy Crypto With a Credit Card

The Takeaway

A Disney World vacation can be quite expensive, especially if you’re traveling with multiple people. This makes it important to learn all the tips you can to save money at Disney World. Look to use your credit card travel rewards toward flights and lodging costs, and consider a cash back credit card to help cover the other costs like park tickets, souvenirs, and food during your vacation.

One opportunity for saving money at Disney World is to use credit card rewards to help pay for your vacation with a cash back credit card like the SoFi credit card. With the SoFi credit card, you can earn unlimited 2% cash back rewards. Cardholders earn 1% cash back rewards when redeemed for a statement credit.1 Plus, you can earn even more when you set up direct deposit on your SoFi Checking and Savings account.

Learn more about applying for a rewards credit card with SoFi today.


How can I spend less at Disney World?

There’s no denying that Disney World is an expensive place, but you have a couple of options if you’re trying to spend less at Disney World. One is to use your credit card points to help offset the cost. The other is to set a budget for the necessary costs that are important to you. Having a budget can help prepare you mentally to spend less.

How can I get airline miles to cover my flights to Disney World?

Airline credit cards are great for earning airline miles to help pay for flights. Look at the cost of airline tickets to Orlando from where you live, and see how many airline miles it would take to fly there. Then, look at signing up for an airline credit card to help get you the miles that you need.

When is the best time of the year to visit Disney World?

There isn’t only one set time of year that is the best to visit Disney World — it will depend on your specific situation and how flexible you can be with your travel plans. Typically, Disney World will be more crowded (and hotels more expensive) during peak travel periods like summer, spring break, and holidays. Conversely, you may experience smaller crowds and lower prices if you travel in the off-season.

How can I save on souvenirs at Disney World?

If you’re buying souvenirs inside the parks themselves, there’s no denying that the prices will be expensive. One way to overcome the souvenir sticker shock is to determine what kind of souvenirs are important to you and set a budget to cover that amount. You can also consider buying some Disney souvenirs at the Disney outlet store (Disney’s Character Warehouse).

Photo credit: iStock/miniseries

1See Rewards Details at SoFi.com/card/rewards.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.
The SoFi Credit Card is issued by The Bank of Missouri (TBOM) (“Issuer”) pursuant to license by Mastercard® International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
New and existing Checking and Savings members who have not previously enrolled in direct deposit with SoFi are eligible to earn a cash bonus when they set up direct deposits of at least $1,000 over a consecutive 25-day period. Cash bonus will be based on the total amount of direct deposit. The Program will be available through 12/31/23. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC.

SoFi members with direct deposit can earn up to 4.00% annual percentage yield (APY) interest on Savings account balances (including Vaults) and up to 1.20% APY on Checking account balances. There is no minimum direct deposit amount required to qualify for these rates. Members without direct deposit will earn 1.20% APY on all account balances in Checking and Savings (including Vaults). Interest rates are variable and subject to change at any time. These rates are current as of 3/17/2023. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet


All your finances.
All in one app.

SoFi QR code, Download now, scan this with your phone’s camera

All your finances.
All in one app.

App Store rating

SoFi iOS App, Download on the App Store
SoFi Android App, Get it on Google Play

TLS 1.2 Encrypted
Equal Housing Lender