I travel quite a bit for work or book others in our office for travel (so I get the points)- so I use the chase sapphire reserve (I would do the sapphire preferred vs the Disney one easily) so I get 3x dining and travel points plus 100k bonus at sign up. Its a bargain. It's $450 annual fee but you get $300 back for a travel credit, airport lounge access, etc- Heck- you could use the 100k points just for $1k cash back- but using it for "travel" like Universal tickets count as- its a 1.3x spending rate. I love it.