Hi there Celeste and welcome to planDisney. I am a bit envious of you because you live in the city with the Most Magical Place on Earth. Maybe one day for my family. I am glad you asked this question because it has left many people scratching their heads.
Only Guests of
Disney Resorts Collection Hotels are able to link a credit card to their
MagicBand+ for purchases at Walt Disney World Resort. It is a major
benefit of a Disney Resort Hotel for those Guests because purchases are charged to their Resort folio which is backed up by a credit card on file. Day Guests do not have the option at this time. Maybe one day Sorcerer Mickey will add this to MagicBands.
planDisney Pro Tip: One way to be able to make purchases in the theme parks for food, beverages, and merchandise (at certain locations) is through the use of the
My Disney Experience Mobile App. There you can use
Mobile Food and Beverage Ordering and
Merchandise Mobile Checkout. There is also the option at many locations to use
ApplePay to make purchases.
Celeste, I hope these tips help you as you create enchanted memories right in your backyard. Please feel free to
write me back directly with any follow-up questions.
Enjoy making many Magical Memories.
~Jason