We devote thousands of hours of research to help you get Big Travel with Small Money. You support us by signing-up for credit cards through partner links which earn us a commission. Here’s our full Advertising Policy.

ZERO Out-of-Pocket Expense for a Disney World Hotel Stay (and You Can Do It Too!)

ZERO Out-of-Pocket Expense for a Disney World Hotel Stay (and You Can Do It Too!)

Million Mile SecretsZERO Out-of-Pocket Expense for a Disney World Hotel Stay (and You Can Do It Too!)Million Mile Secrets Team

We devote thousands of hours of research to help you get Big Travel with Small Money. You support us by signing-up for credit cards through partner links which earn us a commission. Here’s our full Advertising Policy.

Update: One or more card offers in this post are no longer available. Check our Hot Deals for the latest offers.

Keith:   Holiday travel can be stressful, especially because airfare and hotel cash prices tend to be expensive.  But with the right miles & points strategy, you can reduce your out-of-pocket travel expenses significantly, even during peak travel times.

For example, my wife and I recently celebrated New Year’s Eve with my parents at Epcot in Disney World.  Planning ahead allowed us to use credit card points to book 2 rooms just outside Disney World for free.

Save Money On Disney World Hotel Stay
My Wife and I Love Collecting Credit Card Points That Allow Us to Save Money on Otherwise Expensive Travel Costs, Like a Disney World Hotel Stay!

Staying on-site at Disney World the week after Christmas required a 2-night minimum at most hotels.  And I saw room rates of $1,000+ per night at hotels with available rooms (most were sold out), which I found to be outrageous.

I realize families traveling with young children might prefer to book an on-site hotel to take advantage of meal plan discounts.  You can check out this guide to using points to stay at on-site Disney World hotels.

But if you don’t mind staying just outside of Disney and want to avoid out-of-pocket expenses, this strategy might work for you!

Transferring Chase Points to Hyatt to Stay Free at the Hyatt Regency Grand Cypress

My wife and I love to keep a stash of Chase Ultimate Rewards points for potential hotel bookings if we’re visiting an area during a busy travel time.  Because we can transfer points to Hyatt, which has a no “blackout date” policy.  As long as a standard room is available for sale, you can book it using points!

During our holiday travel planning, I found open award rooms at the Hyatt Regency Grand Cypress, which is just a ~15 minute ride from the Disney World Theme Parks.  The hotel provides a free shuttle, which was a fantastic perk during our stay.

Save Money On Disney World Hotel Stay
The Hyatt Regency Grand Cypress Is a Short (and Free!) Hotel Shuttle Ride Away From Disney World

We decided on this hotel based on the overwhelming amount of positive TripAdvisor reviews.  It gets better ratings than some of the on-site Disney World hotels.

And you don’t pay resort fees when you book a Hyatt award stay.  The Hyatt Regency Grand Cypress has a $30 per night resort fee, so we avoided $60 in fees by booking 2 rooms with points.

Many other hotel chains don’t waive resort fees on award stays.  For example, even with Starwood Platinum status, I still pay resort fees at certain hotels, which is extremely frustrating.

The Hyatt Regency Grand Cypress is a Category 4 Hyatt hotel, which means an award night costs 15,000 points.  So I transferred 30,000 Chase Ultimate Rewards points to my Hyatt account to cover the cost of 2 rooms.  The same rooms would have cost ~$700 total if we paid cash.  This means we got ~2.3 cents per point worth of value ($700 cash cost of stay / 30,000 points).

Unfortunately, we didn’t get to spend much time at the hotel because we were enjoying the New Year’s Eve festivities at Epcot.  But the location and our room were ideal for a quick one-night stay.  I’d definitely go back!

Save Money On Disney World Hotel Stay
Our Room Had a View of the Private Lake Where People Were Paddle Boarding

The lobby was decorated for the holidays.  And there was a parrot on security duty.  Perhaps checking to make sure folks with low-level Hyatt Discoverist status weren’t trying to get free breakfast. 😉

Save Money On Disney World Hotel Stay
The Lobby Was Festive for the Holiday Season. And There Was a Parrot on Duty!

The rooms were modern and spacious with a balcony overlooking the private lake.

Save Money On Disney World Hotel Stay
We Didn’t Need Anything but a Bed for Our Short Stay Near Disney World

The full stand-up shower was modern and water pressure was just right.

Save Money On Disney World Hotel Stay
The Room Had a Modern Looking Stand-Up Shower

We took advantage of the free hotel shuttle to get to Disney World.  The bus dropped us near the monorail, which we then took to Epcot.

Save Money On Disney World Hotel Stay
The Hotel Operates a Coach Bus to Take You to the Theme Park, Which Was Spacious for the Quick Ride From the Hotel

Earn Chase Ultimate Rewards Points So You Can Save, Too!

These are terrific cards to consider if you want to earn Chase Ultimate Rewards points:

Card Sign-Up Bonus & Minimum Spending RequirementsOur Review
Ink Business Preferred℠ Credit Card


80,000 Chase Ultimate Rewards points after spending $5,000 on purchases within the first 3 months of opening your accountRead why this is the top card pick for small business owners
Chase Sapphire Preferred® Card


50,000 Chase Ultimate Rewards points after spending $4,000 on purchases within the first 3 months of opening your accountThe #1 card for beginners
Chase Sapphire Reserve℠50,000 Chase Ultimate Rewards points after spending $4,000 on purchases within the first 3 months of opening your account
Lots of folks love this premium credit card because of the ongoing perks!
Ink Business Cash℠ Credit Card
$500 bonus (50,000 Chase Ultimate Rewards points) after spending $3,000 on purchases within the first 3 months of opening your accountRead our review of this great no-annual-fee small business card!
Chase Freedom UnlimitedCard Image Not Available
$150 bonus (15,000 Chase Ultimate Rewards points) after spending $500 on purchases within the first 3 months of opening your accountEarn 1.5% cash back (1.5X Chase Ultimate Rewards points per $1 on ALL purchases
Chase FreedomCard Image Not Available
$150 bonus (15,000 Chase Ultimate Rewards points) after spending $500 on purchases within the first 3 months of opening your accountHere's my review of this great no-annual-fee card!

My wife and I have each have 5 of the 6 cards in the table above.  Besides earning the valuable sign-up bonuses, we like to use the card that gets us the most bonus points for purchases we make everyday.

For example, I use the Chase Sapphire Reserve to earn 3X Chase Ultimate Rewards points on travel & dining purchases.  And my wife uses the no annual fee Chase Freedom to earn 5X points on purchases in rotating quarterly bonus categories (on up to $1,500 in spending).

Just remember you can only transfer points directly to Chase’s travel partners (like Hyatt) if you have certain cards.  But folks with no annual fee Chase Ultimate Rewards points earning credit cards can combine points (including with a spouse) and then transfer them.


Note:   Chase Ink Plus and Chase Ink Bold cardholders can also transfer points directly to airline and hotel partners.  But these cards are no longer available to new applicants.

Bottom Line

Even during peak holiday travel, you can use points to avoid out-of-pocket hotel expenses.

My wife and I recently transferred 30,000 Chase Ultimate Rewards points to Hyatt.  Then, booked 2 rooms at the Hyatt Regency Grand Cypress.  The hotel was just a ~15 minute shuttle ride away from theme parks at Disney World, like Epcot!  And using points saved us ~$700, which was the total cash cost of 2 rooms at the hotel on New Year’s Eve.

Hyatt is a fantastic Chase travel partner because the hotel chain does NOT have blackout dates.  And you don’t pay resort fees when you book an award stay!

Have you used points to save money on a trip to Disney World?

If you liked this post, why don’t you join the 25,000+ readers who have signed-up to receive free blog posts via email (only 1 email per day!) or in an RSS reader …because then you’ll never miss another update!

Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

Add comment

E-mail is already registered on the site. Please use the Login form or enter another.

You entered an incorrect username or password

Sorry that something went wrong, repeat again!