Disneyland Credit Card Plan #1- Business and Personal Cards

I had a couple of neighbors reach out to me about credit card plans for Disneyland. We live about 6 1/2 hours away so many of our friends drive down and go for a couple of days. Here is the plan I have if you can open both business and personal cards. I also have created Disneyland Credit Card Plan #2 which includes only personal cards.

Why do you want flexible currency credit cards?

Common statement I get when people hear I travel on points to Disney parks is “oh so you open a Disney visa then right?”. Nope! I have over 20 credit cards and I haven’t opened that card yet. Here is the plan I would do instead:

You want what are called “flexible currency” credit cards these allow you to use them in a variety of different ways  This allows you to use the points for:

1. You can use them on their travel portal (think like Expedia ). For example, Chase bank you would go onto their portal and could book hotels, flights, or a rental card. 
2. You can transfer them to free rewards programs. Airline programs like Southwest Airlines or Hotel programs like world of Hyatt 
3. Many also cash them out for gift cards or on amazon. please don’t do this if you like to travel! You return on your points is a lot lower than if you just used them the two ways listed above..

General Rule of thumb with Credit Cards

You can personally open a credit card every 90 days as a general rule. My husband and I can open them every 45 days. Weird misconception is it will hurt your credit score over time. When you apply for a new card, your score will dip maybe 3-5 points. The following month it will go back up and actually be higher usually. My credit score has grown by 50 points since I started doing this. 

Base Card- Pick one of these

You will want one of these two cards. They both have 95 dollar annual fees. You can refer each other to these cards too to double what you get. Skyler and I both have these cards and they are the best credit card to start with. 

Chase Sapphire Preferred

This card is the one I think 99.9% of people should have in their wallet. It offers 3x the points on restaurants and online grocery pick up orders (like kroger for example).

You get 60,000 points for spending 4,000 in 3 months 

Chase Sapphire Business Preferred 

This is the business version of the card above. You will get 3x the points on internet, cable, or phone services as well as travel.

 Cards to stack on top- Business Cards 

 Both are 0 annual fees. You would refer each other back and forth. This is kind of a key piece since you both own businesses? When you refer a person (even someone in your household) you get 40,000 points. Common question is can I use personal expenses on these cards to hit the minimum. Yes. Just if you put any business expenses, keep record for your accountant. 

Ink Cash 

75,000 points. Great starter business card.  It also gives extra points for internet and cell phone bill.

Ink Unlimited 

Gives you 1.5x the points on all purchases. So its a great catch all. It also gives you 75,000 points. 

Points total in our example

Chase Sapphire– 60,000 points

Chase Ink Cash – 75,000 points

Referral to the unlimited card- 40,000 points (make sure in a two player house 1 refers the other)

Chase Ink Unlimited– 75,000

Total Points = 250,000 chase points

What does this get you?

Here is what I would do:

1. You will combined all of your points onto your base credit card you picked. This is easy to do inside of your chase bank account. Click ultimate rewards, the three dots, and you will see combined points.
2. You will then transfer them from your Chase Ultimate Rewards Program to a free world of Hyatt account. This hotel is right next to Disneyland (you can walk easily.. You can actually see the parks) . Cost is around 15,000 a night in points. Your personal card covers 4 hotel nights for free for 4 people or business card right now would be almost 7 nights.

Here is our favorite Hyatt close to Disneyland

1. The first business card – the ink cash I would still transfer them to Hyatt.  You can add more nights in the hotel room for free. 75,000 points would get you another 5 nights for 4 people. This plan gets you multiple trips if you want. 
2. I would set aside the second card the ink unlimited and the referral you got that is on the 1st ink cash card and not transfer it to Hyatt. 130,000 in points would cover in tickets around $1,300.

Our review of our favorite Disneyland Hyatt Hotel 

Total saved

9-12 nights at the Hyatt = roughly $3,105- $4,140

$1300 in Disney Parks tickets

Total saved- $4,405-$5,440

Total Annual Fees

Annual fees 95 dollars 

Hint-if you don’t want to open business cards, you could open 2 personal chase sapphire cards and I would open 2 venture cards. This would be 135,000 in points for your Hyatt hotel stay and two venture cards is 175,000 points with the referrals.