Disney on Points and Miles

I went out to lunch with an associate today, and we got to talking about my hobby (or perhaps addiction?).  In most cases when I explain the trips I've taken using points and miles, the other person doesn't really know where they want to go or what they want to do, and they're unlikely to ever follow through with earning and redeeming points and miles for a trip.  Although it sounds fun enough, they don't have enough interest to make it happen.

Who doesn't like Disney?

Today was a bit different, though.  The guy I met for lunch really wanted to take his family of four to Disney.  Nothing complicated, nothing fancy.  Just get from Michigan to Orlando in relative comfort.  First class if possible, but economy would be fine.

This is definitely possible, in some cases with a single well-timed credit card signup.  In lieu of any mega-offers, two simultaneous signups (either by the same person or two) would definitely fund the trip.  The only mega-offer currently out there is for the British Airways Visa, but it requires $20,000 in spend to get the 100,000 mile bonus.

1. Pick a Credit Card Signup Bonus

To narrow things down a bit, we're looking for a card that offers a nice signup bonus, preferably with no annual fee.  For a typical domestic redemption, we're looking at about 25k per person, so we want to find a card that provides at least a 50,000 mile signup bonus (assuming two card signups).

Here are some of the options currently out there:

Current Amex Offer - 50k!

• Amex Premier Rewards Gold Card - 50k signup bonus after $1000 spend.  Transfers to British Airways (OneWorld alliance), Frontier, Delta (SkyTeam alliance), and Aeroplan (Star Alliance) for domestic flights, among others.  No annual fee for the first year.
• Chase United Mileage Explorer Card - 55k signup bonus after $1000 spend and adding an authorized user.  No annual fee for the first year.
• Chase British Airways Visa - 50k signup bonus after $1000 spend, 75k after $10000, 100k (!) after $20000.  $95 annual fee not waived.
• Citi American Airlines Card (Visa or Amex) - 50k signup bonus after $3000 spend,  $150 statement credit for first AA purchase, and two free Admiral's Club passes.  No annual fee for the first year.

I'd personally recommend the Amex Premier Rewards Gold Card since it is the most flexible.  American Express Membership Rewards points can be transferred to airlines across all three major alliances and a handful of others, and left over miles can be used for hotels.

Another option is the BA Visa.  The current bonus ends on February 27, but is good for up to 100,000 British Airways miles!

2. Find The Best Flight Redemptions

For the cards above, we're looking at redeeming miles using British Airways, Frontier, Delta, Aeroplan, United, or American.  It's probably worth mentioning that just because points are redeemed with these airlines doesn't mean the flights need to be flown with these airlines.  For example, British Airways miles can be redeemed for American Airlines flights; Aeroplan miles can be redeemed for United, Air Canada, and US Airways flights.

When redeeming awards, you must redeem miles according to the redemption airline's award chart, even if you're flying on a partner airline.  For example, if you want to fly American Airlines from Chicago to Orlando using British Airways miles (which is possible, by the way), you would redeem according to British Airways' award chart.

Let's take a look at the possible redemptions in coach:

Chicago - Orlando Round Trip

One-Way Distance-Based Award Chart for British Airways 

• 15,000 British Airways (flying on American Airlines)
• 20,000 Frontier (flying on Frontier)
• 25,000 Delta (flying on Delta)
• 25,000 Aeroplan (flying on United, Air Canada, or US Airways)
• 25,000 United (flying on United, Air Canada, or US Airways)
• 25,000 American (flying on American Airlines)

Grand Rapids - Orlando Round Trip

One-Way Distance-Based Award Chart for British Airways

• 24,000 British Airways (flying on American Airlines)
• 20,000 Frontier (flying on Frontier)
• 25,000 Delta (flying on Delta)
• 25,000 Aeroplan (flying on United, Air Canada, or US Airways)
• 25,000 United (flying on United, Air Canada, or US Airways)
• 25,000 American (flying on American Airlines)

British Airways direct from Chicago is definitely a sweet spot!  At only 15k for a round trip, my associate could fly his family to and from Orlando and still have miles left over for two more flights.  Frontier is also a bit cheaper than others, but requires connecting in Denver.  Frontier's availability for redemption is also quite limited.

For redemptions, I'd probably look at using British Airways miles if possible, but fall back to other airlines if necessary.  Assuming my associate signs up for the Premier Rewards Gold Card, he can take advantage of different transfers and options based on availability.

3. Book Hotels

Without a large stash of hotel points, I'd look at a few different options:

• Transfer from American Express to Hotel Points.
• Use Priceline, Hotwire, or LastMinuteTravel to score a cheap hotel.
• Best Rate Guarantees

Unfortunately, American Express hotel transfers are rarely a great deal.  Points can be funneled through Virgin America to Hilton, but Hilton's upcoming award chart devaluation would make any good Orlando properties cost-prohibitive.  Priceline, Hotwire, LastMinuteTravel and Best Rate Guarantees can all be very lucrative in Orlando.

4. Rent a Car

Orlando car rentals are crazy cheap, especially when booked through Priceline or Hotwire.

5. Find Cheap Disney Tickets

Haha, just kidding.  But I do recommend checking out Sea World or the Disney water parks while in Orlando.  Blizzard Beach is a blast in the summer!

6. Put it All Together!

1. Apply for a couple of cards that provide British Airways miles.  I recommend the Amex Premier Rewards Gold card and/or the Chase BA Visa.
2. Spend $1000 on each card within the first few months (time period for minimum spend varies).
3. Once the miles post (after your first statement, usually), book four tickets on American Airlines to Orlando.  Use British Airways miles to book the flights.
4. Book a cheap hotel and car.
5. Enjoy!
6. After a year, cancel or keep the cards.  Remember, annual fees can usually be negotiated.