Planning a Disney cruise is an exciting adventure, but it can also come with a hefty price tag. Fortunately, with a little strategy, you can offset those costs using points and miles, making that dream vacation more accessible for your family. In this guide, we’ll walk you through how to make the most of your rewards, what to expect on a Disney cruise, how it stands out from other cruise lines, and the best times to set sail.

After years of navigating the points and miles world, these five cards have earned a permanent spot in either my wallet or my husband's.