I have never taken my family on a theme park vacation because it is too expensive.

Other families are going into debt to go to Disney World, but I don’t like the mouse enough to risk my financial security. And while I’m privileged to have a vacation budget, many of our vacations consist of inexpensive activities like hiking, swimming, and cooking dinner at a vacation rental and driving to the beach or Airbnb in the mountains.

Then my daughter fell in love with Harry Potter. And I knew it would rock her world if we could go to the Wizarding World of Harry Potter at Universal Orlando Resort.

Now, if I am budget conscious, my husband is quite frugal. We weren’t going on a theme park vacation in Florida unless I could cut costs significantly.

I might be a muggle, but I’ve relied on my knowledge of credit card benefits and points and miles to come up with a more affordable Universal Theme Park plan and pulled out all the money-saving magic I know.

Here’s what I did to save money — and get my husband on board — for three nights of Florida fun with our favorite Hogwarts wannabes.

I booked our airfare with miles

Southwest Airlines at the gate. Erica Silverstein/The Points Guy

Remember the famous Southwest Airlines Meltdown of Christmas 2022? We got caught up in it and our flights to Savannah got canceled at the last minute. We managed to salvage our vacation with a long road trip to Georgia, but Southwest still apologized with 25,000 Rapid Rewards miles for each of us.

One canceled flight is redeemable for another, so I used 82,000 miles to fly my family of four from Washington, DC to Orlando. The only catch was that Southwest would let me put the kids’ miles into my account, but my husband had to go into his. So we had to book our flights and then check in separately for the trip, no problem as long as it was in the B boarding group and we were in the C group on the flight home.

I realize that most people don’t get apology miles from airlines, but you have plenty of ways to earn points and miles for free flights. In addition to saving miles you earn from other flights, you can apply for an airline-affiliated credit card with a significant sign-up bonus that can fast-track your mileage earnings.

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Similarly, a card that earns transferable points will let you transfer points to different airlines. Make sure you’re earning extra miles for your purchases by using shopping portals or signing up for programs that earn you miles for dining.

If you can, book your flights early to get the best availability for award seats, or look for transfer bonuses and award flight discounts to stretch your points and miles.

I used credit card benefits to defray hotel expenses

Loews Royal Pacific Resort Lobby. Erica Silverstein/The Points Guy

I probably could have transferred Chase Ultimate Rewards points to hotel partners like Marriott or Hyatt to earn free hotel nights. But after researching hotels in the area, I was convinced that we would have a better experience if we could stay on site at a Universal hotel and get early park entry. A stay at Loews Royal Pacific Resort will also give us a free express unlimited pass and free transportation to the park, saving us money on expensive passes and car rentals or Ubers.

Since I wasn’t going to earn miles at a Lowe’s hotel, I booked the stay through the Chase Travel℠ portal, which meant I could use my Chase Sapphire Preferred® Card’s $50 hotel credit to save a little on the stay and earn 5. Points per dollar on the balance (for a total of 6,000 points) that I can use for free travel on our next trip.

We had booked two nights at the Royal Pacific, but to save money on our final night (when we wouldn’t be going to the park the next day), I used the $300 travel credit I had available. Capital One Venture X Rewards Credit Card To book a night at Homewood Suites by Hilton Orlando-Nearest to Univ Studios through the Capital One travel portal. We got a two room suite that included breakfast and didn’t even get my travel credit.

I saved with the Military Park Pass

Hogwarts Castle at Universal Studios Florida. Erica Silverstein/The Points Guy

My husband is a civilian employee of the US Navy and his Department of Defense ID gives us access to a variety of travel discounts. It also makes him eligible for Universal’s Military Freedom Pass.

Active-duty members of the military, veterans and other DOD personnel can purchase a special pass that gives them unlimited access to the park from January through mid-December — for about the cost of a day in the parks. The more you use this pass, the more you save. We will only visit Universal once this year, but we went to the park three days during our trip, saving hundreds.

Related: The best military travel discounts and benefits for service members

Universal regularly releases special offers Available to all guests, these include hotel and ticket discounts and packages that include a dining card that you can use to cover dining expenses during your stay.

I had grocery delivery to save on food costs

Ship Grocery Hall. Erica Silverstein/The Points Guy

Everyone knows that theme park food is expensive, and hotel breakfasts don’t come cheap either. I wasn’t going to deny my kids butterbeer and pub food at the Leaky Cauldron or ice cream at Florian Fortescue’s ice-cream parlor in Diagon Alley, but we couldn’t eat out for every meal and snack.

I always travel with breakfast from home, but this situation calls for next-level grocery shopping.

That’s when my theme park expert colleague Tarah Chieffy pointed me to a ship offer available to Visa cardholders. If I signed up with an eligible card, I could get a free three-month membership and free delivery on orders over $35.

My Chase Sapphire Preferred card was indeed eligible, so I signed up (immediately creating a calendar reminder to cancel before the ship charges started). I downloaded the app, and while we were waiting for our flight at the airport, I ordered breakfast staples like Cheerios, pastries and milk, and lunch fixings like bread, jam and applesauce at Publix Supermarket. I set the delivery time when I knew we would be at the hotel and left a note for my shopkeeper saying we were flying.

The app was easy to use; When I realized I would need some utensils, I could easily update the order. My shoppers were communicating over text; When she didn’t get the scones I ordered, I was able to swap for muffins. When she ended up at Publix, I met her on the front drive of the hotel, and the handoff was seamless.

In the end, we ate out three times (dinner at the hotel, lunch at the Leaky Cauldron, and dinner at Finnegans Bar & Grill at Universal Studios) and bought a few snacks and some extra butterbeers. But we managed to get two breakfasts and three extra meals from our $60 grocery shopping. We could have easily spent the same amount on a snack for the four of us inside the park.

I borrowed sticks from another mom

Making magic with a wand in Diagon Alley. Erica Silverstein/The Points Guy

When we travel to a special place with our kids, we often give them a souvenir budget (often around $20 or $25) so they can spend however they want. This worked surprisingly well, and my kids admitted they weren’t going to buy the $60 animatronic owl we saw on so many kids’ shoulders.

Related: Real-world family travel tips that actually work

Both Diagon Alley and Hogsmeade have designated “Wand Spots” where, if you wave the right wand just right, you can create something magical. I knew my kids would love this, but the interactive wand cost $65. That’s a lot for a toy that we won’t be using after this park visit. (If you just want a costume accessory, you can buy non-interactive wands for a lot less money.)

So I called my local Buy Nothing group, and a mom who knew me from our school answered. We borrowed Harry Potter and Hermione’s wands from him so that each child could use them. One of the wands had a little bit of magic in it, so we took it to Ollivander’s Wand Shop (there’s one in every park), where they would give out free “re-magic” wands.

The bottom line

A vacation to a major theme park like Disney or Universal will never be cheap — but you can find ways to cut costs by taking advantage of credit cards, redeeming points and miles, and being smart about where you can save.

I could have brought our bottom line down even more by staying at a cheap hotel with free breakfast (or redeeming hotel or credit card points for stays) and not buying an express pass, but then I would have had trouble getting around. Spending more time waiting in line than enjoying the park and ride.

At the end of the day, my kids absolutely loved their first theme park vacation and this muggle mom didn’t have to take out a loan from Gringotts to cover the cost. That right there is a magical combination.

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