Disney® Visa® Credit Card
If you’re a Disney fan, you might not be able to resist the colorful and personalized Disney Visa card, especially since it has no annual fee. You may also be drawn to its plethora of Disney discounts, special access perks and the $50 Disney gift card you’ll receive after your first purchase. If you have a Disney vacation coming up and charge it on the card, you might also be able to take advantage of the six-month 0% APR offer on qualifying Disney packages.
When it comes to earning rewards on the card, however, you’ll get just 1.0 percent back for each dollar spent. While the card doesn’t quite measure up to other rewards cards, it may still hold a certain appeal for the die-hard Disney fan.
Bonuses and Benefits
Knowing what benefits come with a credit card can help you decide if it’s a good fit for you. Here we cover the bonuses and perks that the Disney® Visa® Card offers and the value of the Chase Reward Dollars® you earn.
The Disney Visa card focuses on providing perks and discounts for avid Disney fans. The card offers a $50 Disney gift card as a welcome bonus. You’ll earn that gift card after the first purchase, and it can be spent on your next Disney adventure or when you visit your local Disney store.
Cardholders also receive discounts on Disney merchandise, Disney dining, guided tours and more. The perks continue with special invitations to Disney meet and greet character events and preferred access at Disney properties. You earn 1 percent back in Disney Rewards Dollars for every dollar you spend on the card.
What You Get
- $50 Disney gift card after your first purchase
- 0% APR for 6 months on select Disney vacation packages
- Access to exclusive photo opportunities at Disneyland and Walt Disney World and special events at Disney stores
- 10% off on merchandise purchases of $50 or more at Disneyland and Disney World, and at Disney stores and DisneyStore.com
- 10% off select dining locations at Disneyland and Disney World
- 15% off select guided tours at Disneyland and Disney World
Regardless of the activity on your Disney Visa card or Disney Rewards account, your rewards expire five years after they are earned.
What is the value of the Membership Rewards® Points?
The value of Disney Rewards Dollars is simple. Each dollar you spend is worth one cent toward select Disney purchases.
The Best Ways to Redeem Disney Reward dollars®
Since each Disney Rewards Dollar is worth a dollar at the time of redemption, there are not many opportunities to maximize their value. You can make your Disney Rewards Dollars go further, however, by redeeming them for reward categories that offer the cardholder a discount. For instance, you could use your Disney Dollars for meals at a Disney property. The 10 percent discount on dining combined with using your Disney Dollars will help the rewards go further. Disney Rewards Dollars can be redeemed for just about everything Disney.
Everyday Earnings with Disney® Visa® Card
While the Disney Visa earns 1 percent on every dollar you spend on the card, this is not an extraordinary earnings structure, and it makes the Disney card mediocre for everyday spending. There are just too many other rewards cards out there that earn 1.5 to 2 percent on every dollar spent.
- 1Reward Dollars®/$1
- Car Rental
- 1Reward Dollars®/$1
- 1Reward Dollars®/$1
- 1Reward Dollars®/$1
- 1Reward Dollars®/$1
- All Other Purchases
- 1Reward Dollars®/$1
There are no bonus-earning categories on the Disney Visa Card. Every dollar spent on the card earns 1 percent.
Get free access to the Disney Character Experience at Disneyland and Disney World.
Foreign Transaction Fee:
The Disney Visa Card charges a foreign transaction fee of 3 percent on all purchases outside of the United States.
Earn Elite Status Fast
While the Disney Visa card is not affiliated with any Disney elite program and does not facilitate any path to elite status, you may receive special event passes, privileged access and free offers as a result of being a cardholder.
Fees: the cost of Having Disney® Visa® Card
You do not have to reach any spending threshold to offset the cost of holding the Disney Visa card as it doesn’t charge an annual fee.
You’ll receive a sign-up bonus of $50 in Disney Rewards after making your first purchase, so you’ll have money to spend at Disney without having to pay any annual fee.
- Annual Fee
- Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater
- Foreign Transaction Fee
3% of each transaction in U.S. dollars
- Late Payment Fee
Up to $15 if the balance is less than $100; up to $27 if the balance is $100 to less than $250; up to $37 if the balance is $250 or more
Disney Visa is a no-fee card. You do not have to earn a certain amount of rewards in order to cover the cost since it’s free. It’s still good to know roughly how much you’ll be earning, though. We’ve broken out our estimates for the first- and second-year net earnings.
These estimates are based on an annual monthly spend of $2,000
Top 5 Benefits of the Disney Visa Card
The Disney Visa offers the avid Disney fan a wide range of discounts and perks at Disney-branded venues and bonus Disney Rewards Dollars with their first card purchase. Card holders also benefit from no annual fees, Disney redemption options, and no-interest financing for six months on Disney Vacations.
- Sign-Up Bonus: Enjoy $50 in Disney Rewards after your first purchase.
- Disney Discounts and Perks: Cardholders will receive discounts at Disney stores, dining, theme park tours and more. Special perks include Disney character meet and greet events and free photo downloads.
- No Annual Fee: The Disney Visa can stay in your wallet for a long time as there is never an annual fee to pay.
- Simple Redemption Structure: Redeem each Disney Rewards Dollar for a dollar in Disney purchases. If you have 50 Rewards Dollars you can redeem them for $50 towards Disney purchases.
- Initial Zero APR: You’ll receive six months of 0% interest for purchases of certain Disney vacations.
Should You Get the Disney Visa Card?
Disney fans might consider getting the Disney Visa card to earn Disney Rewards Dollars that can be used to fund Disney-related purchases. While the card does come with Disney perks and discounts, its earning potential is weak with only 1 percent earned for each dollar spent on the card. You’ll do better with any 2 percent cashback card and end up with double the dollars to spend at Disney.
The Disney Visa does offer a $50 sign-up bonus that can be used directly for Disney-related purchases. The card may be compelling for the avid Disney fan who is looking for a no annual fee card and wants to finance an upcoming Disney vacation as the card comes with six months of 0% APR for certain Disney vacation packages. There are, however, other rewards cards available with better earning potential and more flexible redemption options.
Need more info? Check out our frequently asked questions. If you have other questions, please click on “Ask Now” below.
- Each month when your Disney Visa card statement closes, the Rewards Dollars you have earned will be transferred to your Disney Rewards account. Once you have 20 Disney Rewards Dollars, you can request a Disney Rewards Redemption Card loaded with your Rewards Dollars. You can use that card at a Disney store, for park entrance, at Disney Resorts and Hotels (including room charges), dining at Disney parks, Disney vacations and cruises, Disney tours and even Disney movies.
- The Disney Visa card comes with special financing for qualifying Disney vacations. You’ll receive a 0% APR for the first six months after opening your card for these purchases. Disney Resort packages, Adventures by Disney packages, Disney Cruise Lines, Disney Vacations and other Disney packages qualify for this offer.To receive the special financing, you must charge your vacation to your Disney Visa card and book though a Disney travel company. A complete list of agencies is included in your card member agreement.
- First, there is no annual fee for the Disney Visa card. The card also comes with a lot of Disney discounts and perks. Cardholders receive 10 percent off Disney dining and select Disney merchandise purchases of $50 or more. A 15 percent discount is also provided on tours at Disney Parks/Resorts.Cardholders also receive invitations to special events at Disney Stores and Disney Character Meet and Greet photo events. You’ll enjoy complimentary access to download photos via the Disney Photo Pass website. Other discounts, offers and access may be granted to cardholders.
Compare Disney Credit Cards
When the lure of acquiring a Disney-branded credit card can’t be resisted, you’ll want to start by first comparing the two Disney Rewards cards offered by Chase. They both earn Disney Rewards Dollars and provide numerous discounts on Disney-related experiences and merchandise. But which card is right for you?
Other Disney Rewards cards
|Sign-up bonus||0 Reward Dollars®||0 Reward Dollars®|
|APR On Purchases||17.24% Variable±||16.99% Variable±|
|Second Year Value||$2||$240|
You may first be enticed by the Disney Visa card for its lack of an annual fee, but the Disney Premier Visa card delivers more than enough additional value to offset its $49 fee.
As far as sign-up bonuses go, you’re going to earn a $50 Disney gift card with the Disney Visa after your first purchase. The Disney Premier Visa is a little more lucrative with a $200 bonus after you spend $500 in the first three months from account opening.
When we look at earning potential, the Disney Premier Visa wins with bonus categories. You’ll get 2.0 percent for gas, groceries, restaurants and most Disney purchases, versus 1.0 percent on all purchases with the Disney Visa. This means your Disney Rewards Dollars could add up faster with the Disney Premier Visa if you’re utilizing the card for purchases in these bonus categories.
Unlike the Disney Visa, the Premier Visa card allows you to redeem Disney Rewards Dollars toward airline tickets.
If you want a no-fee card, then the Disney Visa can still deliver those Disney discounts and special perks. The $50 sign-up bonus is also a nice benefit. But if you’re willing to stretch, pay the $49 annual fee and go for the Disney Premier Visa. You’ll receive better earning potential and more flexible redemption options.
If you’re not a Disney fan with an upcoming Disney experience, there is no reason to consider either of these cards.
Compare the Disney Visa Credit Card to Other Cards
When it comes to using rewards credit cards to fund a Disney vacation, you’ll find that other cards can accomplish the same objective as the Disney Visa. All of the cards we’re comparing below have the potential to redeem rewards for travel purchases, including many of those associated with a Disney vacation.
Comparing annual fees, we find that the Discover it Miles, the VentureOne Rewards and the Disney Visa are all no-fee cards. The Barclay Arrival Plus World Elite MasterCard charges $0 but waives the fee the first year.
The VentureOne Rewards Card comes with a 20,000 -point sign-up bonus worth $200 toward travel. Earning 1.25 miles per dollar spent makes it a better earning option than the Disney Visa card, and it has more flexible redemption options.
The Discover it Miles credit card earns 1.5 percent back with no sign-up bonus and no annual fee. That may seem similar to the Disney Visa card, which earns 1 percent, comes with a $50 sign-up bonus and charges no annual fee. The huge difference is that the Discover it Miles card doubles your points at your first year card anniversary, effectively giving you 3 percent back on all spending. As rewards can be redeemed for travel purchases, this no annual fee card might be a good option for a family saving up for an annual vacation.
With a 50,000-point sign-up bonus worth a $500 statement credit toward travel purchases, the Barclay Arrival Plus World Elite MasterCard provides a nice jumpstart for funding a vacation. The card earns two points for every dollar spent and offers a 5 percent rebate of any points you redeem. You’ll pay an $89 annual fee beginning in the second year, but the earning potential, point rebates and travel redemption flexibility are strong reasons to get and keep the card.
All of the cards except the Disney Visa allow you to redeem rewards for travel purchases made on the card. The Disney Visa only allows Disney-related redemptions.
If you’re a big Disney fan and you want a Disney-branded credit card with no annual fee, the Disney Visa, with its fun personalized Disney design and Disney perks, discounts and special invitations, might seem like a compelling option. If the sign-up bonus of $50 and the Disney perks have enough value to you, you won’t be harmed by the Disney Visa, but you will sacrifice a hard credit pull and earning potential. Just know there are better rewards cards out there.
Whenever you apply for a credit card make sure you read the terms and conditions of the card and the rewards program to find out about minimum spend requirements and any restrictions to ensure you can successfully obtain the card and earn the rewards it offers.
Card Terms and Conditions
While it's easy to focus on the rewards offered by the Disney Visa card, it's worth taking a closer look at the terms and conditions. There's a lot to consider as you think about how you're going to use the card. Will you carry a balance, get a cash advance or maybe make a big purchase? Below is a rundown of the various interest rates, purchase protections, security features and mobile banking options that come with this Visa card.
- Intro APR:
- 0% Promo APR for the first six billing cycles following the purchase date on select Disney vacation packages or purchase of a real estate interest, including a Member Add On, in a Disney Vacation Club® Resort, provided your account is not past due on the purchase date
- Intro APR for balance transfers:
- See Terms and Conditions
- Ongoing APR:
- 16.99% Variable±
- Minimum Grace Period:
- 21 days
- Extended Warranty Protection:
- This benefit extends the length of an eligible warranty by one year. Limited to warranties of 3 years or less.
- Purchase Protection:
- Eligible card purchases receive 120 days coverage for damage or theft. Limit of $500 per claim and $50,000 per account.
Cash Advance Features
- Ongoing APR:
- 25.99% Variable±
- Cash Advance Fee:
- Either $10 or 3% of the amount of each transaction, whichever is greater
Security and Protections
Peace of mind is yours knowing your Disney Visa account is monitored and you’ll be alerted of unusual activity. You won’t be held liable if such transactions occur. Keep track of your account through Chase Mobile banking and enjoy an extra layer of security as your card is embedded with EMV chip technology.
- Fraud Monitoring:
- Chase provides fraud monitoring of your account.
- Fraud Alerts:
- Receive notification for unusual activity by text, phone or email.
- Zero Liability:
- No liability ever for unauthorized purchases on your account.
- EMV Chip-Embedded Card:
- The embedded chip produces a single use code which provides an extra level of security when using your card in chip-enabled card readers.
The Chase mobile banking app lets you keep track of your Disney Visa account on your smartphone. Mobile banking is a convenient way for you to check transactions, set alerts, make payments on the card and monitor your account while traveling.
- Digital Payments:
- The Disney Visa card can conveniently be used with Apple Pay, Android Pay and Samsung Pay.
- Chase Mobile Banking:
- Download the app to your smartphone and access your Disney Visa card account on the go.
Additional Cardholder Benefits
The Disney Visa Card comes with the basic Chase Visa travel benefits, including rental car coverage, baggage delay insurance and roadside dispatch services.
Visa Signature Travel Benefits
- Auto Rental Collision Damage Waiver:
- Theft and collision coverage is secondary to your personal auto insurance for domestic rentals. For auto rentals abroad, the theft and collision coverage benefit is primary.
- Baggage Delay Insurance:
- If bags are delayed over 6 hours, you may receive up to $100 per day for 3 days for needed essentials.
- Roadside Dispatch:
- 24/7 assistance for securing help with towing, jumpstarts, gas delivery and lockouts. The cardholder is responsible for the cost of actual services.