Tips & Tricks for Discounts at Disneyland Resort, Legoland, Sea World, and Four Seasons Aviara

We're just back from a fantastic trip to Southern California and I'd like to share what I found for discounts at the theme parks and resorts we visited. It drives me bonkers when I leave money on the table by not taking advantage of the best discount possible, and it never ceases to amaze me how some of the best discounts are the most peculiar.

Our profile: Two adults, two kids (8 and 5 year old boys as of this post) travelling from Massachusetts for a week-long stay. We're not going back to California again this year (as much as I'd like to) so annual passes, for the most part, aren't viable for us. I've entertained some annual passes that work for parks in California and Florida but haven't found them to be tremendously advantageous for our situation.

Read on for the best discounts and angles I could find and let me know what you've found that works better!

Disneyland Resort

Without a doubt, Disney Parks are the hardest places I've found to get discounts. Kind of like Apple, they do a fine job of maintaining the integrity of their pricing structure by minimizing the availability of deep discounts.

One angle I considered during the booking process, that has the potential to work for a variety of situations, is buying Disney gift cards at a discount. Target had a deal going last year where you'd get a $10 Target gift card if you purchased $50 worth of anything in the store, and gift cards qualified. It was a high involvement slightly shady technique (how many trips to Target would you have to make, and how many $50 gift cards would you have to redeem when you arrived at the hotel?) but 20% off your entire Disney vacation had people willing to do crazy stuff. Read more about it here in this massive thread on DIS Boards.

Also, though it's not the best redemption rate, many credit cards let you use points for Disney gift cards. Disney gift cards can be used at Disney Parks, Disney Cruise Line, and at Disney Stores across the country. Nice broad usability, unlike iTunes gift cards (for example) which can't be redeemed at the Apple Store.

Lodging

The lodging portion of the Disney stay is probably one of the easier parts of the Disney vacation to get a discount on. 20%-30% offers seem to come up fairly regularly. I think I got 20% off the room by way of a promotion code my sister in law shared with me.

Staying at a Disney Parks hotel seems to put you on a list for future offers, and it also gets you into the parks early. With Extra Magic Hour, guests staying at one of the Disneyland Resort hotels (Grand Californian, Disneyland Hotel or Paradise Pier) get into either Disneyland OR California Adventure an hour earlier than the general public.

Main Street USA during Extra Magic Hour (wide open)

Cars Land during Extra Magic Hour
(quite crowded and it got worse from there because
Radiator Springs Racers opened late)

Park Tickets

We bought park tickets bundled with our hotel stay and they accounted for 60% of the total bill. As much as I wanted to get a discount on park tickets I didn't see a significant angle. Perhaps a few dollars off with AAA. The model with park ticket pricing is the longer you stay the cheaper it is per day. But the longer you stay the more you spend on food and merchandise (not to mention lodging).

Food and Merchandise

One angle is to get the Disney Dining Plan but I don't like to lock us into anything. What if the kids are sick and the day gets derailed? Or what if I want to grab something quick off site? I like to keep our options open so I didn't go for a meal plan. So we just ate a la carte.

But upon returning home, I just realized I left some money on the table here. We have an old no annual fee Disney credit card that gives you 10% off a lot of the restaurants and retail shops in Disneyland, including several we spent quite a bit of money at. I was confused about which venues it worked for in the past, so I filed the card away and haven't been using it. But if I were to do it again I'd bring the card with and give it a shot.

Good post: 10 Ways to Save Money on Food at Disneyland Resort

Park review: Fantastic. Disney continues to run their parks very well and we all enjoyed Disneyland a bit more than Disney World 3 years ago due to the kids being a bit older and more into it.

Related reading: These Disney Cruises Infuriate Me - Why Do I Keep Booking Them?

Legoland

This was our first visit to Legoland so I wanted to see how we liked it before buying a multi-day or annual pass. This thread on DIS Boards about Legoland Coupons/Discounts pointed me to my local Toys 'R Us to find a free child ticket to Legoland with the purchase of an adult ticket on the back of $3.99/$4.99 Chima/Batman toys. How crazy is it that their $4 toys have a great coupon like this and their $100+ toys don't have much of anything to reward you for a massive purchase?

This "buy one get one" kind of discount works great for our situation and is much better than a percent-off coupon. I hear they have these at Target too. But if you find yourself in line at Legoland without a coupon, here's a Pro Tip: Buy one adult ticket and go into the park. Go to The Big Store (the Lego Store within Legoland) and look for these toys and coupons. As of February 2013 they had them.

A good thing about these passes is that for $20 per ticket you could upgrade everyone's visit to a 2nd day.

Free child ticket to Legoland with paid adult
on the back of $4 Lego toys

Park Review: Quite disappointing. Our kids love Legos but I felt like we were there for them rather than to enjoy our vacation with them. A few of the rides did a good job of integrating Lego themeing but many attempts felt half-hearted. Once the whining started I didn't feel much motivation to stick around.

The park makes too many attempts to grab additional money for attractions once inside. Carnival games and such were sprinkled throughout the park so they couldn't be avoided en masse. A mini-golf course for $5 per person particularly annoyed me: I paid at the gate!

Also, I was disappointed I couldn't use my Lego VIP card for purchases within the park. Lego VIP cards give you 5% back towards future purchases. They said the card couldn't be used because the parks weren't owned by Lego. They parks are now owned by Merlin.

The Volvo Driving School and the Police and Fire Academy were cool but we left at 12:30 and didn't feel the need to come back for more.

Sea World

I was seriously tempted to buy the Sesame Place Super Grover Pass late last year when it was 25% off. Sesame Place is owned by the same folks that own Sea World, Busch Gardens and Discovery Cove. It entitles you to admission to Sesame Place (which I might never go to) but provides a cheaper way towards an annual pass to all of the Sea World Parks (San Diego, San Antonio and Orlando) plus free parking at Sea World, discounts on food and merchandise, and reserved seating at shows.

The best time to get an annual pass is in the fall when it's good for more than 12 months, especially considering that's when the Super Grovers are maximally discounted. I can see us going to San Diego and Orlando in the same 14 month period perhaps as many as 3 times so I'll keep this option in mind for future years.

The best single-day discount I could find was 20% off at the gate (not available online) with a Southwest Airlines Rapid Rewards card. This discount isn't widely advertised but I confirmed it by calling Sea World ahead of time. It was still valid as of February 2013. If you don't have a Rapid Rewards card number you can get one for free and print it out before you go. My Chase Southwest Rapid Rewards Visa happens to have my Rapid Rewards number on it (and it also happens to offer a highly usable 50,000 point signup bonus - more on that and 270,000 other signup bonus points here).

No discount on parking ($15), food (kind of mediocre but I do like Dine with Shamu if you haven't done it before, especially if you're visiting the Orlando park which includes all you can drink Budweiser products in 16oz aluminum bottles which sell for $6.99 each in the park otherwise) or merchandise (quite fairly priced compared to Disney in my opinion) with the Southwest angle so factor that in when going the single-day route.

20% off with Southwest Rapid Rewards
Regularly $78 adult/$70 child

Park review: Absolutely fantastic. This is the 4th time we've visited a Sea World and it has been thoroughly enjoyable every time. Something about the pacing of the parks (shows/exhibits/a few rides) and my affinity for marine mammal shows that seems to work out well for us. Your mileage may vary of course.

Four Seasons Residence Club Aviara

Poolside at Four Seasons Aviara Residence Club

This place is absolutely, without a doubt, the best family friendly luxury resort value in the United States. This was the third time we visited and although the adjacent hotel is now a Park Hyatt rather than a Four Seasons, the experience at the Four Seasons is still first class.

The first time we stayed it was on a timeshare preview weekend directly through Four Seasons. I was so "under the ether" I was ready to plop down $25k+ per week to buy one but Deanna talked me down off the ledge.

I'm glad she did because timeshares are a much better buy in the secondary market, and Four Seasons Residence Clubs have a very high maintenance fee on the order of $2,400 per week per year.

The next time we rented through TRI West - a timeshare broker who has a lot of units at Aviara for rent and sale. It was an easy transaction and went off without a hitch.

This time we went through a private party on RedWeek.com. TRI West was asking $2,395 and I was able to get a week in a 2BR from an owner on RedWeek for $2,150 for the week. A fantastic value for 7 nights in a 1,600sf villa that includes Four Seasons service.

If you'd like to stay for less than a week or want to keep the transaction simple you can book directly through Four Seasons.

What I've found while obsessing over watching rental weeks at Aviara is that if you're date flexible and/or opportunistic in when you visit, you can snag a week for less than the annual maintenance fees. Why would you pay to own when you can rent for less? You shouldn't. And that's why we rent. Until rental prices start trending significantly north of the maintenance fees plus property tax I'll continue to be a renter.

Or maybe I'd be a buyer if Four Seasons builds out their network of Residence Clubs to include more properties you can trade into (Scottsdale is the only other location that's viable, although they do have other Residence Club locations which are more true fractionals).

Four Seasons Aviara 2BR Villa Floorplan

Four Seasons Aviara Residence Club Review: Perfect once again. Paradise on earth. I'll follow-up with a full review of Aviara specifically. Subscribe for notifications of new content.

Other

I was pretty proud of myself when I bought a couple pretzels for the kids at Wetzel's Pretzels at Seaport Village, used my AAA card for 10% off and got parking validation. But then my sister-in-law found a FourSquare check-in that led her to a discount booklet that included buy one get one free pretzels and other discounts.

Another option to consider if you're planning to visit 3 or more attractions in the San Diego is the Go San Diego Card available on Costco.com. I liked the savings associated with this card, and it includes all of the big attractions like Sea World and the San Diego Zoo. But the clock starts ticking as soon as you visit the first venue and you have to visit others on consecutive days to get maximum value out of the card. I like days of rest between visiting big attractions, and I don't like to lock us into something ahead of time (weather/sickness contingencies) so I skipped this option.

Question of the Day: What angles did I miss? Let me know for next time - I'd love to go back in a couple years!

Does Churning Credit Cards Damage Your Credit Score?

One of the first things level headed friends ask me when I mention signing up for credit cards (for bonuses) is whether their credit rating will be damaged by playing the game.

It's a smart thing to think about. Our credit scores, and the ability to leverage credit to our advantage, is one of the most important assets we have (the most important being the earning potential our talents afford us).

In researching a bit how credit scores are determined I was surprised how much of what I thought I knew about credit scores was based on hearsay. Or folklore. Or a random collection of tidbits I'd heard over the years.

For sure, I think most of us will be totally fine if we, basically, "behave" when it comes to credit. Take on a responsible amount of debt, pay our bills on time, and have just a few credit cards.

But when you mention signing up for credit cards for bonuses, instinct tells us this will be bad for our credit ratings. Is this true? Let's take a closer look at what's good and bad about signing up for a new credit card.

First, signing up for a new credit card results in a "hard pull" of our credit score. This in itself knocks down our score a few points. But credit scores tend to recover from these checks after a few months.

If you're approved for a new card, it does two things:

1. It increases our total credit line
2. It decreases the average age of our accounts

Increasing our total credit line typically helps our credit score rather than hurts it because it's good to have a small percentage of our total credit line in use. If the total of our balances is low compared to how much credit we have access to it's a good thing for our credit rating.

Decreasing the average age of our credit card accounts is bad for our credit score, and it's a real concern when applying for credit cards for signup bonuses.

Here's who goes into determining a credit score (from My FICO):

Our credit cards are just one portion of our borrowing portfolio. A mortgage is of higher importance than credit cards and with lending standards tightening I wouldn't be willing to risk the ability to qualify for a mortgage by fiddling around with credit cards. Even if we already have a mortgage, it's important to have a good credit score in case a refinance opportunity pops up.

Automobile loans and leases are also important. But if your credit score is good, even in spite of signing up for a bunch of credit cards, you're likely to qualify for the most favorable automobile loans and leases.

A consideration adjacent this:

Should we cancel an old credit card (with no annual fee) which we never use? No! Absolutely not. Doing so would decrease the average age of accounts.

So, it's important to:

• Understand what goes into determining your credit score
• Get your credit report and make sure there's nothing on there you're not expecting
• Monitor your credit score with a service like Credit Sesame or Credit Karma
• Space out your signups over time
• Pay your balance in full each month
• Keep your balances low with respect to your overall credit line

Since I do these things I feel comfortable that signing up for credit cards (for bonuses) won't damage my credit score.

In fact, if I wasn't knocking down my credit score a bit by applying for credit cards one could argue I'd be leaving money on the table. How high do our credit scores need to be after all? Just high enough to get the most favorable loan terms. We don't get a bonus for a credit score higher than 760.

It's kind of like in college where there's no difference between barely scraping by with an A and getting the highest A in the class. You'd be better off getting the lowest A possible and devoting your precious resources to other endeavors.

Here are some links for related reading:

• How your FICO score is calculated (from MyFico)
• How to get a free credit report (by the Federal Trade Commission)
• Why churning credit cards doesn't hurt your credit score (and when it can) (by US News & World Report)

I'd love it if you subscribed to Casa Dwyer for future updates.

Lessons Learned on the Way to 270,000 Points & Miles

As I was saying last week I've decided to wade into the credit card signup bonus game, primarily as a way to reduce our travel expenses. I previously employed a mostly cash back approach but after researching this a bit found I was leaving a significant amount of money on the table.

For my first set of "moves" I wanted to start out slowly (and simply) to get a feel for how well this works for me. I wanted to be sure to accrue points/miles with things we were sure to use. And I wanted the points/miles to be for things I wanted to use. 

Here's what I mean by that. The thought of having a bunch of United miles so I could fly the family across country in the back of one of their planes in cramped grey seats (they've got the shortest pitch in the industry) while experiencing their signature surly service left me cold. I like flying JetBlue, Virgin America and Southwest with the family domestically and the longer the flight, the pickier I am about the carrier. 

But what drives me especially bonkers about legacy carriers is when I can't use miles to travel on the dates I want to travel or without using a ridiculous amount of points.

So this suggestion from Travel Summary - REALLY know what you want - REALLY resonated with me. 

I thought about the trips we'd like to take in the next 2 years and came up with a short term goal -and- a long term goal. The short term goal is to have flexible nearly free travel on direct flights to domestic destinations on carriers we like.

So first I signed up for the JetBlue AmEx for a 20,000 point signup bonus. The $45 annual fee is waived the first year, and the minimum spend is $1,000 over the first 3 months.

Next I signed up for the Chase Southwest Airlines Rapid Rewards Premier card for its 50,000 signup bonus. The $69 fee is not waived the first year, and the minimum spend is $2,000 over the first 3 months.

In hindsight the JetBlue signup bonus is pretty anemic and the card isn't very strategic, but I really like JetBlue and I'm sure I'll use the points.

The Southwest card however is pretty valuable on its own for the 50,000 points. But a thing I really like about Southwest (in addition to their favorable fee schedule) is their award flight availability. Have a look at this chart of how frequently reward seats are available on each carrier. It's not your imagination that Southwest points are actually usable and your US Airways and Delta points are not!

Another thing that's enticing about the Southwest card is that if you get a Southwest business credit card you can earn another 50,000 points and then if you spend $10k on the two cards combined you'll (possibly) qualify for a Southwest Companion Pass for each flight you take through the end of next year. Lots of maybes here, and lines you may not want to cross but that could be a really nice overall situation.

So I was pretty content for the time being and wanted to wait and see how things went with these cards.

Then this deal popped up just a couple days later. An AmEx Platinum with 100,000 Membership Rewards points for $3,000 spend in 3 months and an AmEx Gold for 50,000 Membership Rewards points. The Platinum has a hefty annual fee of $450 (not waived the first year) but provides some great benefits like airline lounge access and reimbursement of airline fees of $200 per calendar year which some are using to get gift cards reimbursed for effectively $400 over the one year you'd have the card. Again, another line that feels wrong to cross.

But I was approved instantly for the Platinum and went for the Gold while it was still available. The Gold's $175 annual fee is waived the first year and the minimum spend is $1,000 over the first 3 months. I was instantly approved for that too.

I hear it's advisable to sign up for batches of cards no sooner than every 91 days so my approach here broke that rule. And I signed up for 3 personal AmEx cards within the span of 3 days. But the AmEx Platinum/Gold offer vaporized the next day and since this is my first foray into this realm I think it's okay. That's one of the benefits you have if you're new to this game - you've got presumably a healthy credit score and you haven't gotten signup bonuses for the best cards yet.

The Membership Rewards points haul is nice, but it wasn't really a direction I wanted to go necessarily. Their program offers a lot of options but there's a "catch" with many of them. You can convert your points to airline miles but American isn't one of the partners you can transfer to. You can fly American if you transfer the points to British Airways Avios but they charge massive fuel surcharges when flying to Europe. However they don't charge fuel surcharges when booking on American for flights within the US. Confused yet?

You can't transfer Membership Rewards to United but you can transfer them to other Star Alliance partners like Air Canada, Singapore, or All Nippon. But they charge fuel surcharges when flying to Europe, unless you're flying United. But if the flight is Lufthansa booked through Air Canada or Singapore or All Nippon there is a fuel surcharge. All in all it's a puzzle I'm still trying to figure out.

But I was done going for signup bonuses for a while for sure. Or so I thought.

Until @TravelSummary told me about this deal. 50,000 United miles for transferring $100k worth of investments over to Fidelity. We had some money sleeping in mutual funds with Vanguard so I transferred those over. Fidelity makes it really easy to do this transfer. It took about 20 minutes online with guidance over the phone. Further, I didn't have to liquidate the securities (and realize a tax consequence) in order to earn the bonus. The deal used to be even sweeter (and sketchier) before they addressed some loopholes but I'm still pretty happy with 50k miles for little effort or impact - not even a credit inquiry for this one.

Remember when I said I didn't want United miles for domestic travel? I don't. But I do want United miles so I can fly on Lufthansa to Europe at some point to pick up a BMW on European Delivery. That's one of my long-term goals for points and mile redemption. European Delivery can be a great deal especially if you don't have to pay for flights. And having United miles is the best way to fly from Boston to Munich on Lufthansa. This game gets complicated!

Just when I thought I was done for a while I found this summary of brokerage signup bonuses. $500-$1,000 (or more) for transferring over your old 401k to a self-directed IRA. I remember these signup bonuses from back in the late '90s when everyone was a day trader but they're still around. My goodness - I've been missing out on all kinds of money!

So there you have it 270,000 points/miles in my first wave of moves. There are some annual fees involved but overall the outlay is, I think, reasonable for the points and miles if I can use them efficiently. I know from previous personal experience that if I redeem the points inefficiently/unwisely I'll burn through them in a hurry and get very little value out of points. I'll try to be smarter with my redemptions going forward.

In hindsight I probably could have made some more strategic first moves. And I know I've only learned (at best) 10% of what there is to know in this space. But you've got to start somewhere and I'm looking forward to my next set of moves in a couple months.

It takes patience to meet the minimum spend each card comes with and wait for the miles and points to come through. In fact, none of the cards I've signed up for have paid their bonuses yet - though AmEx did mistakenly charge me the $175 fee that was supposed to be waived the first year. You've got to stay on top of this stuff. It's like navigating the tax code.

I'll write more as I go along and I'll look forward to comparing notes. I know some of you have concurrently caught the points and miles bug, and I know a lot of us are looking for ways to get 80% of the benefit with 20% of the effort. I'll keep a lookout for those opportunities and share them as best I can.

Further Reading: Does churning credit cards damage your credit score?

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Wading into the Credit Card Signup Bonus Game

Each January I find myself taking the opportunity to assess our financial situation to see if I'm doing everything I can to make the most of our good fortune. After exploring the world of credit card signup bonues the past couple months I've found that I was leaving a significant amount of money on the table utilizing a mostly cashback approach to credit cards.

With a little work, I don't think it's too hard to earn roughly 10% of one's annual income in nearly free travel by navigating the credit card signup space effectively.

Here's how I came to this conclusion...

Family vacations are something I think about every day, and one thing that's been bothering me lately is the escalating cost of airfare. Relatively mundane domestic tickets with reasonable advanced notice were coming in at more than $400 per ticket. Rip off!

With 4 tickets to buy each time we take a family trip, a swing of a $100 or $200 per ticket can have a huge impact on the cost of our vacations. And being blocked from attaining family vacations is something this deal hound will not tolerate. :)

With this in mind I thought to reassess my longstanding aversion for miles/points based credit cards. My preference for the past few years has been cashback based cards. For quite a while I was happy with the American Express Blue Cash card in conjunction with a Chase Freedom Visa. Neither carry annual fees, and they each offer between 1 and 5% cashback. The AmEx offered 5% back on gas, groceries and drugstore purchases and 1.5% back on all other purchases once $6,500 in annual spend was achieved (1% prior to that). The Chase Freedom offered 5% back in rotating quarterly categories and 1% on everything else.

The main thrust of this strategy was to:

1. Avoid annual credit card fees
2. Maximize cashback by placing spend on the optimal card
3. Use that cashback to reduce credit card bills

That seemed to work pretty well for us for a while. Things weren't overly complicated. You just needed to pick the best card for the purchase and in all you'd potentially drive your overall cashback north of 2%.

I'd estimate that about a third of our gross income was being funneled through credit card purchases. To share an example of how beneficial (or not) this approach was, for an annual income of say $100,000 about $3,000 per month ($36,000 annually) was going through credit cards. Of that $36,000 if we earned 1% cashback we'd get $360.

If we were really savvy and aligned our purchases with 5% cashback categories frequently we'd bring in 2-3% of $36,000 each year - about $700-$1,000 annually. This was a nice clip for not doing much of anything really so I thought we were doing pretty well.

Until I looked at what we might be leaving on the table by not taking advantage of credit card signup bonuses.

About a year ago I saw an offer pop up for a Capital One Venture credit card that paid a $1,000 signup bonus. Wow! By merely changing the card we used we'd earn $1,000 plus the card offered 2 "points" per dollar. Each point could be used to "erase" travel purchases which was virtually a cash equivalent for us so this card was a great one for us for the past year. It carries an annual fee after the first year but at this clip it was worth it because it effectively increased our average cashback percentage. So I was inclined to stick with it for another year.

But I was hungry for more lucrative signup bonuses like this one.

Even the Venture card doesn't offer a 100,000 point signup bonus any more. I think it's down to 10,000 points. As I looked around I found a number of moderately attractive signup bonuses, but they were mostly for airline/hotel cards and programs like Chase Ultimate Rewards and AmEx Membership Rewards.

I'd grown skeptical about miles/points based programs because the provider can devalue the points at any time by changing the terms of the program. And finding flights/rooms when you want them for a reasonable amount of points can be elusive.

I also wondered why anybody in their right mind would prefer points vs. cashback.

But in looking at this game closely over the last couple months I've come to understand how earning points can indeed be more lucrative than cashback. And how signup bonuses can be worth more than either.

By applying a variety of techniques in the example $100,000/$36,000 scenario I described above I think it is/would be fairly easy to go from $1,000 cashback to an effective $10,000 back in nearly free travel realized through a combination of credit card signups and other techniques.

10x leverage - that gets my attention.

Further Reading: Lessons learned on the way to 270,000 miles and points

Here are some concise and helpful resources which I think would be useful in quickly getting up to speed on how to navigate this interesting space:

Travel-Summary.com:

• A beginner's guide to earning points
• A beginner's guide to redeeming points

The Points Guy:

• Maximizing credit cards for free travel

If you're thirsty for more the next action I'd recommend is subscribing to the collective BoardingArea.com blogs in your feed reader.

And if you've really got it bad poke around the FlyerTalk forums.

I'll look forward to discussing this further. I'd love it if you subscribed to Casa Dwyer for future updates.

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