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You just won the Super Bowl…What are you going to do? I’m going to Disney World!!! Well, we may not have played in or won a Super Bowl, but a year ago, we decided to take our family of five, a grandparent and an in-law family of 4 to Disney World.

That’s a total of 5 adults and 5 children. Let me just say, this was only possible for us on points. Had we paid out of pocket, just for our family of 5 + 1 grandparent, our total cost would have been $8,114. Instead, we spent only $1,289 out of pocket.

Now that I have your attention, let’s get into the nitty-gritty of the details of the points. The fun part!

walt disney world using points

Booking the Walt Disney World Swan Hotel

First, we had to secure our hotel. We decided to stay at the Disney Swan, a Starwood hotel property — now part of Marriott. This property is not a “Disney resort” so the dining plan was not offered.

The Disney Swan is affiliated with Disney, so we still had certain perks. For example, we were able to book fast passes and dining reservations earlier, and they offered buses and ferries to the different parks.

We needed a total of three rooms for our party of 10. For my crew of six, all three adults go the personal version of Starwood Preferred Guest Card from Amex plus we opened one Starwood Business Card from Amex — prior to both being rebranded as Marriott cards. This gave us enough points, after merging all of them into one account, to book 2 rooms for 6 nights.

At the time of booking, the point cost was 80,000 points per room for 6 nights. Upon check-out, we had to pay the resort service package and taxes ($33/night) as well as $23/night for parking. This brought the 2 rooms grand total to 160,000 points redeemed, $492.52 cash.

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50,000 bonus miles after spending $3,000 in the first 3 months

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We used Capital One Venture points to offset off some of the resort fees ($166.84) which brought our cash cost quite a bit. Our total out of pocket for our hotel stay of 6 nights with 2 rooms came to $325.68.

walt disney world using points
(Photo credit of Disney Swan website)

Our Stay At Walt Disney World Swan Hotel

I can’t say enough about this property. Everyone was incredibly friendly and helpful during our entire stay. We wrote to the concierge before our arrival and asked for adjoining rooms, if possible, and anything else to make it extra magical for our kids’ first trip.

We were delighted to not only have adjoining rooms, but chocolate covered strawberries delivered to our room shortly after check-in, along with a note from Mickey & Minnie Mouse. I tried to snag a pic of those beautiful berries before the kids dug in, and only managed to get half of them in a photo as the others were being devoured!

The property boasts a grotto pool with slide & waterfall, two lap pools, a kiddie pool, four whirlpools, a beach with a playground and many more outdoor fun activities. We LOVED the grotto pool after a long day at the parks. They also had many on-site restaurants that were delish!

Disney Swan | walt disney world using points
(Photo credit Disney Swan website)

Getting Disney Tickets

For our Disney tickets, we needed to purchase 5 adult tickets and 4 kid tickets. The fifth child was JUST under 3, so she had free park admittance. We paid for our tickets using a combination of card points.

We ordered our tickets through Undercover Tourist. We opted for the “Four Day Park Hopper Ticket with Extra Day” which gave us 5 days in the parks. Buying tickets from Undercover Tourist also meant the purchase would code as travel so we could erase the purchase with Capital One Venture miles.

Capital One® Venture® Rewards Credit Card

50,000 bonus miles after spending $3,000 in the first 3 months

Learn more

Due to the ages of all the kids — 8, 8, 5, 4 and 2, we knew we wanted to have a few days at the Magic Kingdom. We opted for 3 days at the Magic Kingdom, a day at Epcot and split up a day at the Animal Kingdom and Hollywood Studios. The cost fluctuates on the website but seemed to average around $460 for each ticket. Total cash price for tickets was $2,268.05. But wait….

We used the magic of points! For our party of 3 adults and 2 kids, we used points from three Capital One Venture cards to cover the cost. With that, we were able to offset the entire cost of the ticket with points. The total cash cost of the tickets came to exactly $0!

Dining At Disney World

You have to wait until you’re close to your trip to book any dining in the park. We knew we wanted to take the kids to Cinderella’s Royal Table to meet all the princesses, and from our research, we knew we wanted to score this reservation at breakfast because it was the “cheapest” option.

When the bill came for our party of 10, it was  $503! We were very pleased when we saw it coded as “travel” on the Venture card bill. Thankfully, we had earned a lot of points, so our breakfast was completely covered with Venture miles. Again, the total cost out of pocket was exactly $0.

walt disney world using points

walt disney world using points

Last but not least, to keep our out of pocket to a minimum, we used the cashback from the Capital One® Spark® Miles for Business. By the time we got to Disney, we had $734.34 available to use towards food, souvenirs, gas, etc. This brought our total out of pocket expense for EVERYTHING from food to fun to resort fees down from $2,023.34 to $1,289!

It was a magical time for all of us, and knowing we did it for the same cost as going to the beach every year, it made it even more magical for this mom! We had so much fun meeting all the princesses — obviously traveling with 5 little girls this was a MUST, riding the rides and eating some great food!

I’d be remiss if I didn’t mention the best smores of all time at The Ganachery at Disney Springs. This is a must-have item when you find yourself in Orlando. Most of all, we had fun as a family just spending a week together surrounded by the magic of Disney!!


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About the Author

Bryce Conway is the Founder of and Author of Takeoff: How to Travel the World for Next to Nothing and How to Fix Your Credit: Do it Once. Do it Right. Get on with Your Life. Bryce’s work has been featured in multiple national media outlets including Good Morning America, Money Magazine, and ABC Nightline News. Bryce created 10xTravel in 2014 and has been hanging out in the points and miles community since 2011....

Learn More About Bryce

4 Responses to “Reader Success Story: 5 Adults and 5 Children Head to Walt Disney World Using Points & Miles”


Thanks for the write up! I don’t have any Capital One cards yet so I’m not familiar with the points. How do you redeem the points? Can you do that directly on Undercover Tourist’s website?

Bryce Conway

They can be used to “erase” any travel expense at a value of 1 cent per point. So if you buy say $100 of Disney Tickets from Undercover Tourist you can log in and redeem 10,000 points to get a $100 statement credit, effectively “erasing” that charge.

Perhaps I’m too new to this, but I am I incorrect to view this as your hotel cost was $215.42/night?
80,000 points (value of 0.01 per dollar) 80,000*.01=$800(points used)+$492.52(cash paid)=1,292.52
1,292.52/6days = $215.42 per night.

Expedia check 5/22/19 shows a going rate of $265 per night, but a Amazon visa paying 3% back at grocery and 5% on Amazon would likely “create cash” faster than 80,000 points @ 1%.

The main secrete to best dollar use of cards is the huge sign-up bonuses, no?

Why not spend on a 3% cash back and bank the cash rather than points via purchases?


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