15 Money Saving Secrets Disney Doesn't Want You to Know

CREDIT CARDS - TRAVEL CREDIT CARDS
We’ve compiled 12 Disney tips and tricks to make your next trip magical.
Updated Feb. 22, 2024
Fact checked
Parade in Disneyland with famous cartoon characters in Hong Kong

We receive compensation from the products and services mentioned in this story, but the opinions are the author's own. Compensation may impact where offers appear. We have not included all available products or offers. Learn more about how we make money and our editorial policies.

Disney can feel like the most magical place on earth, but that magic puts some serious stress on the wallet. 

One day in Disney World can get pricey, and for families hoping to visit all four parks in Florida — Magic Kingdom, Epcot, Animal Kingdom, and Hollywood Studios — or both parks in California — Disneyland and Disney California Adventure Park — planning the trip can feel like a burden, both financially and logistically.

Fortunately, there are plenty of ways to step up your travel game and use specific services to your advantage to create the ultimate Disney dream vacation.

If you’re over 50, take advantage of massive travel discounts and trip-planning resources

Over 50 and love traveling? Join AARP today — because if you’re not a member, you could be missing out on huge travel perks. When you start your membership today, you can get discounts on hotels and resorts, airfare, cruises, car rentals, and more.

How to become a member today:

  • Go here, select your free gift, and click “Join Today”
  • Create your account (important!) by answering a few simple questions
  • Start enjoying your discounts and perks!

An AARP membership not only unlocks discounts that could save you hundreds on your next trip, but you’ll also have access to deals on vacation packages, guided tours, and exclusive content to help plan your next getaway.

Important: Start your membership by creating an account here and filling in all of the information (do not skip this step!). Doing so will allow you to take up to 25% off your AARP membership, making it just $12 per year with auto-renewal.

Become an AARP member now

Pack the basics

gpointstudio/Adobe young mom and daughter packing backpack for the school

You’re bound to need a few things if you plan to spend the whole day in Disney, especially if you’re traveling with family. 

Arriving prepared — with a reusable water bottle, small snacks like granola bars or fruit, ponchos, and maybe even a change of socks — can help guests keep more money in their wallets.

Disney visitors are permitted to bring most types of nonalcoholic beverages and snack items into the parks.

Check if you have discounts

Tada Images/Adobe Discounts and Rewards sticker is seen at the entrance to a UPS store

If you belong to certain organizations, you might be entitled to discounts on Disney-related purchases. People who have AAA may be able to get discounted rates at Disney hotels (and other hotels in the area) as well as vacation packages and complimentary services.

Also, look into whether you can use credit card rewards for purchases related to the vacation.

Know where to find the freebies

kirkikis/Adobe A monorail passes in front of Spaceship earth

Disney has a few spots where guests can get their hands on some freebies.

For example, in Epcot, Club Cool allows guests to try free samples of Coca-Cola products from around the world — a great option if you’re feeling a little thirsty but don’t want to splurge on a drink at one of the counter service spots or souvenir shops.

Earn a $250 travel bonus with this incredible card

There's a credit card that's making waves with its amazing bonus and benefits. The Bank of America® Travel Rewards credit card has no annual fee and you can earn 25,000 bonus points after spending $1,000 in purchases in the first 90 days of account opening.

You can earn additional points just by using this card for your everyday purchases — unlimited 1.5 points per $1 spent on all purchases. The 25,000 bonus points can be redeemed for a $250 statement credit toward travel or dining purchases.

If you want to travel and dine out more, the Travel Rewards card can help you get where you want to go.

The best part? There's no annual fee.

Click here to apply now.

Use your Costco membership

dennizn/Adobe Costco Wholesale store and logo

You may be surprised to find out that your Costco membership can do more than just help you keep more in your wallet, even if you think you're using every genius Costco hack.

Costco can get you discounts when you purchase cars, insurance, and yes, even Disney vacations. Check out Costco Travel for Disney packages to help you save on tickets and accommodations when you book your next trip.

Consider other airports

JacobLund/Adobe Tourist family with luggage trolley at airport

Those traveling to Disney by plane may be able to save some money on the trip by crunching numbers at different airports. Orlando International Airport may be the closest to Disney World, but Orlando Sanford Airport is also nearby.

And if you are planning to explore other parts of Florida, you might want to fly into a city such as Tampa or Jacksonville if the fare is cheaper. Then, you can drive to Disney later.

Expanding your airport search could lead to hundreds in savings, especially if you live in an area where you have the option to fly out of a few different airports.

Purchase Disney gift cards

jetcityimage/Adobe Disney gift cards

Paying for purchases with Disney gift cards is a great way to avoid carrying cash or whipping out your debit card a bunch of times while visiting the parks. 

Gift cards can be used in many places in the parks and can be purchased online or at certain retailers. You may even be able to score an extra discount on the gift cards if you buy at a retailer like Target and pay with a store card.

Consider a Disney dining plan

FiledIMAGE/Adobe Disneyland in Anaheim Los Angeles USA

Disney offers a few different dining plan options. Some include quick-service meals while others include sit-down table service or even dinner shows.

Getting a dining plan might be a cheaper option than paying for food throughout the day when visiting the parks. Guests also get an included drink with every meal and can take it to go.

Get free water from counter service spots

Andriy Blokhin/Adobe two plastic cups with ice cubes and water

If you forget to bring a reusable water bottle, or simply can’t fit it in your bag, there is another way to avoid paying for pricey water bottles. 

Most quick-service spots throughout the parks give away free cups of tap water. It’s also a great way to cut back on overall meal prices.

Stay at a cheaper hotel

Zoran Zeremski/Adobe smiling family of four in the hotel lobby

While staying on-site at Disney World is fun, you can save a lot of money by instead making an off-site hotel your home base during your trip.

If staying on-site is one of your must-haves, consider the Disney value resorts. Disney separates its Disney Resort hotels into three categories, including value, moderate, and deluxe. 

The value resorts, such as Disney’s Art of Animation Resort, Pop Century, or one of the All-Star resorts, are typically less expensive, but you’re still on-site and get the additional Disney benefits.

Earn cash back on everyday purchases with this rare account

Want to earn cash back on your everyday purchases without using a credit card? With the Discover®️ Cashback Debit Checking account (member FDIC), you can earn 1% cash back on up to $3,000 in debit card purchases each month!1

With no credit check to apply and no monthly fees to worry about, you can earn nearly passive income on purchases you’re making anyway — up to an extra $360 a year!

This rare checking account has other great perks too, like access to your paycheck up to 2 days early with Early Pay, no minimum deposit or monthly balance requirements, over 60K fee-free ATMs, and the ability to add cash to your account at Walmart stores nationwide.

Don’t leave money on the table — it only takes minutes to apply and it won’t impact your credit score.

Apply for a Discover Cashback Checking account today

Plan around crowds

MPaola/Adobe Disneyland Paris

Disney parks are popular vacation destinations year-round, but there are certain times throughout the year when they are particularly popular — and crowded.

Periods when kids are out of school, like the summer or over Christmas or spring break, tend to get a lot of traffic. So, visitors who wish to avoid big crowds may want to schedule their trip for another time.

Disney also provides a calendar of events at the parks on its website so visitors can avoid things like festivals that may draw larger crowds.

Consider renting a stroller beforehand

adrian_ilie825/Adobe Parking for strollers in a family fun park

If you’re bringing young children who may need a stroller for long days in the parks, renting one before actually getting into Disney might save you some money.

There are other companies around Orlando that may offer cheaper rates on stroller rentals. You are also permitted to bring your own stroller into the parks, although there are limits on how big the strollers can be.

Order from the kids menu

LIGHTFIELD STUDIOS/Adobe father and daughter choosing food in menu

Paying for meals throughout the day in the parks can get pricey fast, but options on the kids menus do tend to be a bit cheaper at Disney’s restaurants.

So, if you don’t have a huge appetite or don’t want to get weighed down by eating a large meal during your Disney days, ordering from the kids menu is a great way to save a few bucks per meal.

Consider an annual pass

peopleimages.com/Adobe  young family sitting on a bus while the mother points to the sky

Those who visit Disney often may want to consider getting an annual pass. Some passes are only available to Florida residents or Disney Vacation Club members, but the Incredi-Pass is available to everyone and costs $1,449 plus tax for the year.

If you plan to visit the parks at least a dozen times throughout the year, the Incredi-Pass could be a great tool to help when budgeting for your Disney vacation, especially because the annual passes come with other benefits.

Use ride shares apps to get around

Kaspars Grinvalds/Adobe Ride sharing app on mobile phone

While Disney hotels — and many other hotels in the area — offer free shuttles to the parks, paying to get around to other spots in the area can get pricey for guests who don’t bring cars with them on vacation.

Before asking your hotel to call a taxi for you, look into how much the ride would cost on rideshare apps like Uber or Lyft, as they may be significantly cheaper.

Be smart about souvenirs

satur73/Adobe Disney merchandising at Disneyland Paris

If you buy every souvenir at Disney World, you’ll go broke in a matter of hours. Do yourself a favor and buy Mickey Mouse ears and other souvenirs ahead of time at your local Target or Walmart.

Not only will they be cheaper than inside the parks, but you can also make a game of leaving them for your kids to find during your trip.

Bottom line

Wirestock/Adobe Statue of Walt Disney and Mickey Mouse located in Disneyland California

The best tips for making the most out of a Disney vacation really depend on your goals. If you’re looking to book the most cost-effective trip possible, things like researching the best travel credit cards and avoiding big purchases while in the parks are important. 

Remember to consider ways to boost your bank account to offset the vacation costs, or find the right time of year to plan your trip.

For example, if you’re hoping to avoid major crowds and long lines, planning a trip during a less popular time of year and taking advantage of Disney services — like the Disney Genie app, which can let you know wait times for rides, among many other things — should be a priority.

Decent Rewards for Disney Fans

Benefits

Card Details

  • Earn a $150 statement credit after you spend $500 on purchases in the first 3 months from account opening
  • Intro APR on eligible Disney vacation packages
  • No annual fee
  • Apply Now
  • Earn a $150 Statement Credit after you spend $500 on purchases in the first 3 months from account opening.
  • Earn 1% in Disney Rewards Dollars on all card purchases. There are no limits to the number of Rewards Dollars you can earn.
  • 0% promo APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 19.24% - 28.24%
  • 10% off select merchandise purchases at select locations and 10% off select dining locations most days at the Disneyland® and Walt Disney World® Resorts.
  • Save 10% on select purchases at shopDisney.com
  • Member FDIC
<span class='whitespace-nowrap'>Disney<sup>®</sup></span> <span class='whitespace-nowrap'>Visa<sup>®</sup></span> Card
3.9
Apply Now

on Chase’s secure website

Read Card Review

Intro Offer

Earn a $150 statement credit after you spend $500 on purchases in the first 3 months from account opening

Annual Fee

$0

+

Why we like it

Author Details

Laura Gesualdi-Gilmore Laura Gesualdi-Gilmore is a seasoned freelance writer who also teaches writing courses at Rutgers University. She's based in Jersey City and enjoys travel, live music and, of course, spending quality time with her pup.

Want to learn how to make an extra $200?

Get proven ways to earn extra cash from your phone, computer, & more with Extra.

You will receive emails from FinanceBuzz.com. Unsubscribe at any time. Privacy Policy

  • Vetted side hustles
  • Exclusive offers to save money daily
  • Expert tips to help manage and escape debt