Simple question, if I am with my wife and toddler, do we pay a per person points rate or are the points for a couple, and then just the toddler costs the add-on point amounts?

I've been looking into which CC to pay my contracts (cash, not loans) to maximize my points. There are a lot of old posts on using the Chase Sapphire Reserve, but as of summer 2026 things are different.

When I paid my downpayment through CapitalOne it was marked as Lodging via Disney Resort Hotels. At the time, I needed to pay the downpayment and knew I'd be getting 2x for that at least.

Now that I have had time to figure out how to best maximize my CC points I looked into all my cards. The CSR card requires direct bookings to be classified as Flight or Hotel to be eligible for 4x points. I called Chase to see if Lodging would count as direct hotel purchase, but they weren't too sure and said it had to be classified as a hotel purchase.

I ran a test charge on my CSR card over the phone with Disney Quality Assurance, since as of the 2026 Chase Sapphire Reserve changes they no longer pay out Travel bonus points. My test DVC payment shows up as "DVC Escrow Payment" - classified as Travel which only yields 1x points per dollar. Sadly, DVC doesn't meet that 4x criteria on my test payment.

Looks like I'll be spreading my charges between the BILT card (boost my mortgage/rent points multiplier) and CapitalOne cards to get 2x points per dollar spent with my DVC contract.

EDIT: Seems like Travel category still gets 4x with CSR, so I'm going to wait to see this charge clear and confirm whether it's 4x or 1x points