Chase quietly rolled out one of its best bonus point promotions in years, and it slots perfectly into how deluxe Disney families already spend. If you carry a Chase Sapphire or Freedom card, you can now earn an additional 10 points per dollar when you check out using Paze, a digital wallet backed by Chase and several other major banks. The promotion runs through December 31, 2026, and it works on top of whatever your card already earns.

Here is why this matters for us.

The bonus is capped at $1,500 in Paze purchases per month, which means a maximum of 15,000 additional points each month. And because Newegg (a participating Paze retailer) sells Disney gift cards, you can funnel spending you were already planning straight through this promotion.

That is exactly what I did. I bought three $500 Disney gift cards on Newegg, checked out with Paze, and banked 16,500 bonus Chase Ultimate Rewards points on top of my regular card earnings. I plan to repeat this every month through December. By the time we arrive for our trip, I will have accumulated roughly 132,000 bonus points, which I would peg at a minimum of $1,300 in value. On roughly $12,000 in Disney gift card purchases that were going to happen regardless, that is an effective return of about ten percent.

The gift cards themselves will cover a sizable chunk of the trip. The points are pure upside.

Eligible cards include the Chase Sapphire Reserve, Chase Sapphire Preferred Card, Chase Freedom Flex, and Chase Freedom Unlimited. No enrollment or activation is required. The benefit should already appear in your card's benefits section. Just select Paze at checkout, verify your identity, choose your card, and confirm the purchase. Note that bonus points can take up to eight weeks to post after a qualifying purchase, so do not panic if they do not appear immediately.

Hot Tip: The $1,500 spending cap resets each month, so spreading larger purchases across multiple months lets you capture the full 15,000 bonus points again and again. If you start now and max it every month through December, you are looking at a serious stack of points by year's end.

Here is exactly how to execute this strategy, step by step.

The setup: There is not one. I had never used Paze before, never created an account, never linked anything. When I selected Paze at checkout on Newegg and entered my email address, it already had my Chase card information ready to go. If you have an eligible Chase card, Paze likely already knows about it.

The purchase: Go to Newegg.com and search for Disney gift cards. Add three $500 cards (or whatever combination gets you to $1,500) to your cart. At checkout, select Paze as your payment method and enter your email. Paze will pull up your card, send a verification code to your phone, and ask you to confirm the security code on the back of your card. That is it. No account creation, no app download, no linking step. The speed is worth noting: I placed my order at 12:10, had all three digital gift card codes in my inbox by 12:14, and by 12:16 I had applied all three to our December trip on the My Disney Experience app. Six minutes from checkout to fully loaded. This is not a process that eats into your afternoon.

The ad blocker caveat: If the Paze button does not appear at checkout, disable your ad blocker on the page and refresh. I spent five confused minutes troubleshooting before figuring this out. Save yourself the detour.

The cadence: Repeat on the first of each month (or whenever is convenient) through December. The $1,500 cap resets monthly, so each purchase window is independent. Set a calendar reminder if you are the type who forgets.

The result: $12,000 in Disney gift cards that fund your trip, plus roughly 132,000 bonus Chase points (on top of your regular card earnings) that you can redeem for travel, transfer to airline or hotel partners, or simply bank for the next trip.

One thing to keep in mind: Save your gift card numbers and confirmation emails somewhere you can find them. If you end up canceling or significantly changing your trip, Disney refunds back to the original payment method, which means you will need those card numbers to track and recover your balances. A simple note in your phone or a dedicated folder in your email works. Do not skip this step, especially as the cards accumulate over multiple months.

That is the approximate number of bonus Chase Ultimate Rewards points I will bank between now and December by buying $1,500 in Disney gift cards through Paze each month. At even the most conservative valuation, that is over $1,200 in travel value sitting in my account before we ever leave for the trip.

I know there is a whole universe of credit card optimization out there, and I respect the people who run spreadsheets across a dozen cards to squeeze out every last point. That is not me. The Chase Sapphire Reserve is my go-anywhere, do-anything card, and it has been for years. It balances simplicity with genuinely strong travel rewards in a way that fits how our family actually spends.

Our single largest spending category is restaurants, and the Reserve earns 3x points on dining. For a family that eats out frequently and treats dining as part of the experience (at Disney and everywhere else), that adds up fast. The card also earns 3x on travel and 10x on hotels and car rentals booked through Chase Travel, but the dining multiplier alone justifies it for us.

Does the Reserve have other benefits? Plenty. Priority Pass lounge access, Global Entry credit, a $300 annual travel credit, trip cancellation insurance. I try to maximize all of them, but I will be the first to admit that I do not always succeed. Some of those perks require you to book through specific channels or remember to activate credits, and life with kids does not always leave room for that level of optimization. What I appreciate about the Reserve is that even when I am not perfectly optimizing every coupon and credit, the core earn rates on the spending we do every day still make it the right card for us.

Simplicity compounds. A card you actually use well beats a card you theoretically could use perfectly.

This is a question I get asked a lot, and my answer is simpler than most people expect: start with the Chase Sapphire Reserve. The 3x on dining and travel covers the two biggest spending categories for any family that does Disney at the deluxe level. The current welcome bonus is 150,000 points after spending $6,000 in the first three months, which is the highest points-only offer the card has ever had. Pair that with the Paze 10x promotion and you could be looking at over 270,000 points, roughly $2,700 in value, before you even book the trip.