I’ve been deep in the Disney planning world for years now, and I’ve tried just about every way to save money on park tickets. One of the most surprising and lesser-known tricks I’ve learned is that yes, you can buy Disney tickets with Chase points — but there’s a catch.
In this post, I’ll walk you through exactly how it works, what you need to watch out for, and whether it’s worth it based on my own experience. If you're like me and trying to make every dollar (or point) count on a Disney trip, this guide will give you a clearer path forward.
Can You Buy Disney Tickets With Chase Points?
The short answer is yes, you can buy Disney tickets with Chase points — but only if you do it the right way.
You can’t redeem your points directly through Disney. Instead, you’ll need to go through the Chase Ultimate Rewards travel portal or use the Pay Yourself Back feature if you have the right Chase card. I’ll break both options down below and share exactly how I’ve used each.
Before we get into that, I want to be clear: this is not always the best value. But if you’re sitting on a pile of Chase points and want to take the sting out of ticket prices, it can be a smart strategy — especially for families booking multiple tickets.
Key Points
- You can use Chase Ultimate Rewards points to buy Disney tickets through the travel portal or with Pay Yourself Back.
- The best redemption value (1.25x or 1.5x) comes from using a Chase Sapphire Preferred or Reserve card.
- Disney tickets through Chase often come from third-party vendors like Undercover Tourist — not directly from Disney.
Option 1: Using Chase Ultimate Rewards Travel Portal
I’ve used this method once for a last-minute trip, and it worked — but it required some digging. It’s not as obvious or streamlined as booking flights or hotels through the portal.
Search for “Activities”
After logging into the Chase Ultimate Rewards portal, go to the travel section and choose “Activities.”
From there, search for your destination (like Orlando or Anaheim) and your dates. You’re not looking for hotel or flight packages — instead, you’ll be browsing the activities section for theme park tickets.
Look for listings labeled as Walt Disney World or Disneyland tickets. These usually come through authorized third-party resellers like Undercover Tourist.
Tips for Finding the Right Tickets
Not all dates and ticket types appear immediately. If you're not seeing tickets, try adjusting your date range or searching without exact dates. I’ve had better luck finding options when searching a more flexible travel window.
Sometimes the listings won’t show the Disney brand name up front, but if you dig into the descriptions, you'll see they include real Disney park tickets.
Is It a Good Deal?
With the Chase Sapphire Preferred card, each point is worth 1.25 cents when booking through the portal. The Chase Sapphire Reserve gives you 1.5 cents per point.
So a $500 Disney ticket purchase could cost you 40,000 points (with Reserve) or 50,000 points (with Preferred). If your goal is to avoid spending cash and you have a lot of points, this can make sense.
However, some of the tickets listed through the portal can be slightly more expensive than buying them directly or through trusted discount sellers. So always compare prices first.
For reference on standard pricing, you can check out this detailed breakdown of how much Disney World tickets cost.
Option 2: Pay Yourself Back
This method is less talked about — but it’s what I personally prefer because it gives you more control over where and how you buy your tickets.
With Pay Yourself Back, you buy your Disney tickets from a third-party seller or travel agent using your Chase Sapphire card, then go into your Chase account and “erase” the charge using points.
You’ll still get the 1.25x or 1.5x point value, depending on which card you have, and you can shop around for the best deal before buying.
Where to Buy Tickets That Work With Pay Yourself Back
I’ve successfully used this method with Undercover Tourist and Get Away Today. Both are authorized sellers and often offer slightly cheaper tickets than Disney itself.
Just make sure your purchase codes as a travel expense — you can confirm this on your credit card statement. If it doesn’t show up in the right category, Chase won’t allow you to use Pay Yourself Back.
A Real Example From My Trip
Last year, I bought four Disney World tickets through Undercover Tourist, which cost around $600 total. I paid with my Chase Sapphire Preferred card.
When the charge posted, it showed up as a travel expense. I went into my Chase account and used the Pay Yourself Back feature to redeem 48,000 points and completely cover the purchase.
It was simple, and it felt amazing not to see that $600 hit our checking account during an already expensive vacation.
If you’re curious about other ticket sellers that may work for this, check out this guide to buying Disney tickets at Costco and how AAA pricing compares.
Limitations and Watch-Outs
This process isn’t perfect. There are a few quirks and potential pitfalls to be aware of:
- Not every third-party seller codes properly as travel. You’ll want to check how the charge appears before redeeming points. If it doesn’t code as travel, you can’t use Pay Yourself Back.
- Chase doesn’t let you buy directly through Disney. You can’t log into Disney’s official ticket page and use points at checkout. That means no points redemption through Disney’s website.
- Ticket purchases are often non-refundable. Before you use your points, make sure you understand the Disney World refund policy. Points once spent can’t be recovered.
- You’ll need enough points to cover the full amount. Pay Yourself Back doesn’t let you partially redeem points — it’s all or nothing.
Is It Worth It?
This really depends on how you normally use your Chase points. Personally, I try to reserve my points for high-value travel transfers — like business class flights through airline partners.
But when I’m planning a Disney trip and already know I’ll be spending hundreds on tickets, it’s incredibly satisfying to wipe that expense clean using points.
It can also be a smart strategy if you’re not traveling much by plane this year or want to avoid spending cash.
If you're shopping around, don’t forget to read up on the cheapest way to buy Disney tickets and learn whether a Park Hopper upgrade makes sense for your visit.
Final Thoughts
Using Chase points to cover Disney tickets isn’t the most straightforward redemption option — but it’s definitely possible, and I’ve done it successfully.
If you're flexible, know where to look, and understand how Pay Yourself Back works, you can save hundreds of dollars and get your tickets with zero out-of-pocket cost.
Just be sure to:
- Confirm the ticket seller codes as travel if using Pay Yourself Back.
- Compare prices to make sure you're not overpaying.
- Double-check refund policies so you don’t lose your points if your plans change.
If you're still figuring out what type of ticket to buy, I highly recommend checking out this complete guide to Disney World tickets. It covers all the options, including Park Hopper, ticket tiers, and expiration rules.
