Let $\emph{spex}_{\mathcal{OP}}(n,F)$ and $\emph{spex}_{\mathcal{P}}(n,F)$ be the maximum spectral radius over all $n$-vertex $F$-free outerplanar graphs and planar graphs, respectively. Define $tC_l$ as $t$ vertex-disjoint $l$-cycles, $B_{tl}$ as the graph obtained by sharing a common vertex among $t$ edge-disjoint $l$-cycles %$B_{tl}$ as the graph obtained by connecting all cycles in $tC_l$ at a single vertex, and $(t+1)K_{2}$ as the disjoint union of $t+1$ copies of $K_2$. In the 1990s, Cvetković and Rowlinson conjectured $K_1 \vee P_{n-1}$ maximizes spectral radius in outerplanar graphs on $n$ vertices, while Boots and Royle (independently, Cao and Vince) conjectured $K_2 \vee P_{n-2} $ does so in planar graphs. Tait and Tobin [J. Combin. Theory Ser. B, 2017] determined the fundamental structure as the key to confirming these two conjectures for sufficiently large $n.$ Recently, Fang et al. [J. Graph Theory, 2024] characterized the extremal graph with $\emph{spex}_{\mathcal{P}}(n,tC_l)$ in planar graphs by using this key. In this paper, we first focus on outerplanar graphs and adopt a similar approach to describe the key structure of the connected extremal graph with $\emph{spex}_{\mathcal{OP}}(n,F)$, where $F$ is contained in $K_1 \vee P_{n-1}$ but not in $K_{1} \vee ((t-1)K_2\cup(n-2t+1)K_1)$. Based on this structure, we determine $\emph{spex}_{\mathcal{OP}}(n,B_{tl})$ and $\emph{spex}_{\mathcal{OP}}(n,(t+1)K_{2})$ along with their unique extremal graphs for all $t\geq1$, $l\geq3$ and large $n$. Moreover, we further extend the results to planar graphs, characterizing the unique extremal graph with $\emph{spex}_{\mathcal{P}}(n,B_{tl})$ for all $t\geq3$, $l\geq3$ and large $n$.