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

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?

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This is going to be a very niche post… For those of you with Chase cards eligible for bonus 10x on Paze purchases, I was able to earn the bonus for earnest money thru Mason Title for the latest resale contract we purchased. They had a Paze payment option for credit card purchases. The Paze bonus credit is capped at 15,000 points a month.

Nice little bonus for an otherwise difficult to point maximize purchase!

Edit to add: this is not an “offer” that needs to be activated prior to purchase. It is an automatic benefit on select Chase card products through the end of this year: https://thepointsguy.com/news/sapphire-freedom-earn-additional-10-points-per-dollar-paze/

Hello! We own 2 contracts at BLT. Just bought our second one and it has 60 points left for 2026 that we plan to roll to 2027. We had already booked April vacation at BLT for 6 days at 224 points so we are trying to modify our vacation to use at least 284 points - though we can use more if we want since we also have 125 points unused for 2027. We are thinking of doing a split stay with an Epcot area hotel. We’ve never done a split stay before so we’d love your advice or lessons learned. We also need help deciding what to do. I’ve made a spreadsheet with some options between BLT resort or theme park view, mixed with BW (boardwalk view) and Beach Club. We’ve stayed at BC before and liked it but never done BW or TP view at BLT. Help us choose! Already checked and availability is there.

Planning a trip for next late August into early September and deciding between Boardwalk and Old Key West.

Group Details -
Me (30F), Husband (31M), our 2 littles (Daughter turning 3 on trip) and Son (18months) and the grandparents, MIL (56), FIL (55) and my mother (51). Need a minmum of 2 bedroom villa, but would love a 3 bedroom. Celebrating our daughters birthday and my inlaws first ever trip to WDW. My mom has been once 13 years ago and my husband and i have been a few times, always staying at POP. We’ll be bringing our double stroller, flying and not planning on renting a vehicle. Staying on property entire trip. Planning on 5 park days with rest mixed into them and park hopper + disney dining plan. Biggest plans for trip are going to be the family/little kid things, taking our time, enjoying our dining plan and spending time together. My in laws love a relaxing trip and bougier experience (although I’ve prepped them for the WDW trip demands lol), my mom has a tight income but willing to pay the approx $450 per person price difference depending on what the group thinks is best.

Boardwalk
Things we love: close proximity to parks (not having to collapse stroller), central location to other resorts to experience other resorts and the appeal of being able to get to and from the hotel quickly from HS & Epcot.

Things we dislike: price for a 3 bedroom is wayyy out of our budget (almost 3x the price of a 2 bedroom), sharing bus stops with other resorts, smaller villas (my mom would have to sleep on the murphy bed in the common area or share a bed with my son and my daughter sleep on the drop down twin bed in the deluxe studio)

Old Key West
Things we love: 3 bedroom villa (ample space for everyone + 4 bathrooms!), more vacationy feel with disney tied in, boat to disney springs is cool too, but id take a boat or closer distance to a park instead

Things we dislike: isolated feel, bus option to all the parks (collapsing stroller), huge resort with multiple bus stops

Any advice, input or experience is welcome. Any questions about our trip plan/group needs to help us figure out whats best, I’m happy to answer. Or if I’m missing a completely different resort, let me know!

🏝️🐚☀️

Going to WDW this weekend to meet with our DVC sales cast member and move forward with a new Polynesian contract. He offered us a park ticket for a single day which I am very pleasantly surprised and excited about. Said he is going to meet us at the park morning of to get us in.

Has anyone received a comp ticket from DVC? And if so, can we buy Lightning Lanes once we enter the park or can we park hop? He didn't provide any info to link in MDE in advance

What is the best time of year to do Vero beach for chance of good pool/ beach weather and lower noseeums? Considering late May, June, July, Mid Oct, or Thanksgiving week.

I really don’t know if I am going to book for the preview or not. I am new to DVC and it really sounds pretty unique. The points are high but it might be worth it. Is there anyone out there that is definitely going? Why is this a must for you?

Do you have a favorite 2BR Ocean View Villa at Aulani? If so, could you please share the room number and what you like about it?
FYI, we’ll be staying there in late January, so I’d love to hear your recommendations!
TIA! 😊

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That point chart is something. "Theme park tickets included" would probably be a bigger draw for me were I not about to start an Annual Pass year.

Has anyone ever called in to the member service number and got a phone rep who sounds exactly like the voice of the surveys after call?

I got him tonight and it was so weird! He was great though, lol.

Whats the promotion that is available right now for Saratoga Springs? I hate that Disney says to contact your sales person, mine calls me too much!

Well, we have an update

My husband and I decided to buy direct

We arw only doing 100 points for now, we will get at leadt 50 more later

We bought at the Polynesian. And we should be making our first reservation soon

I am very excited.

Anyone have any preference on the Island Tower or the original DVC rooms at the Poly?

I’m really curious to know how prevalent the symptom is :).

For you personally, why do you get that feeling? What motivates you to go ahead or stop?

And does the symptom come back? Rarely or frequently?

Well the rooms look awesome! Cash stay bookings start October 6 th and the resort opens in July. I am assuming everyone got the email this morning.

https://disneyworld.disney.go.com/en_CA/disneys-lakeshore-lodge/?CMP=EMC--1879139960&cid=PDM1317033&bid=1692756483

My husband and I took a DVC tour last month while on vacation in WDW. We are now looking at purchasing a 150 point contact at Polynesian. We are heading back to WDW Labor Day weekend and plan to meet again with our sales cast member to move forward. I have been doing lots of research to ensure I'm well educated and feel good about moving forward.

I would appreciate any insight current DVC members could share with me about buying/owning that you think would be helpful at this stage.

Thank you!

I am so very excited that I had an offer accepted, but I am also terrified that it will not make it past ROFR. It looks like DVC resale market is reporting VGC as the number 1 ROFR Resort. Anyone have recent experience with a VGC contract?

Eligible Disney Vacation Club Members can get 20% off select Disney Cruise Line fall 2027 and spring 2028 sailings aboard the Disney Wonder, Disney Dream, and Disney Fantasy.

Members who book by October 31, 2026 can also receive a $250 onboard credit. Booking opens for eligible DVC Members on September 3 at 8:00 a.m. ET through DVC Member Services, ahead of general public booking on September 8.

There are some important eligibility and booking restrictions, so be sure to review the full details before calling.

Full details at the link:
https://dvcfan.com/dvc-discounts/dvc-members-20-percent-off-disney-cruise-line-2027-2028/

Yes.

I’m wondering what are my chances of being allowed to use the current member add on incentive pricing for a new direct contract 160pts I want to buy tomorrow (last day of the incentive) for the Polynesian? I’ve done the math and I want a direct poly contract, but I only just passed ROFR on my first resale contract.
Will they let me have the current member incentive (which is much better than first time members)? Any advice for how to approach it with the sales rep? If they don’t let me buy it tomorrow with the better incentive then I’ll wait until end of September to buy.
The only reason this even occurred to me is that I saw someone in one of these threads who said they got the incentive when they’d only just passed ROFR.
Thanks in advance for the advice!