Disney Visa Credit Card Review


Disney currently offers two credit cards through Chase: the Disney Rewards Visa and Disney’s Premier Visa. Or, as we’ll call them, the “Rewards” card and the “Premier” card. There are a few differences between the two, but the primary one is that the Rewards card has no annual fee and offers 1% rewards, whereas the Premier card has a $49 annual fee and offers 2% rewards at gas stations, grocery stores, restaurants, and most Disney locations, and 1% everywhere else.

Disney has had various credit cards associated with its name for years, dating all the way back to the 1990s when it American Express and its “White Glove Treatment” was the program of choice.  After that relationship ended, Disney partnered with Bank One to create the Disney Visa Credit Card, which transmogrified into the Disney Rewards Visa Credit Card from Chase that exists today. We’ve had this card since 2008, and have come to like it…for certain purposes. Read on to find out more about the perks offered by the card, and whether we think it’s worthy of your wallet or purse (or wherever you store your credit cards!).

As mentioned above, in 2012, a second Disney Chase Visa Credit Card launched, dubbed the “Disney Premier Visa.” It’s more or less the same as the original Chase Disney Visa, except it offers 2% cash back on certain categories, has a $49/year annual fee, and allows redemption for airline tickets. Since the cards are some similar in terms of perks except for the rewards, we aren’t going to bother reviewing them separately. Basically, you should get the “Rewards” card unless you will use it to charge over $4,900 worth of purchases per year in the 2% categories, in which case the extra 1% in rewards you’ll receive will exceed the $49 annual fee.

Perks & Incentives

disney-visa-credit-card

Most credit cards have a sign-up bonus, and the Disney Visa is no different. The amount varies based upon where and when you sign up. When we signed up, the bonus was $100, but I’ve seen it as low as $25 and as high as $150. Once a cardholder, the following are the benefits you can expect to receive (differences between the “Premier” and “Rewards” cards noted in parentheticals):

  • 10% off merchandise purchases of $50 or more at certain Disneyland and Walt Disney World shop.
  • 50% off stroller rentals at Disneyland Resort.
  • 20% off tours at both Walt Disney World and Disneyland.
  • Exclusive character meet & greet locations inside Innoventions at Epcot and Disney California Adventure, both only available to Chase Disney Visa holders. The characters at these locations are “random,” and you don’t know who you’ll get before entering the locations, but at both locations only a few characters appear (in Disney California Adventure, as of the date of this posting, you either got to see Pluto or Chip & Dale; at Walt Disney World things are less predictable, but you generally see 2-3 members of the Fab Five).
  • You receive a free PhotoPass 5 x 7 print voucher (up to one per day) when you visit the characters! Often, Cast Members at the Camera Center have allowed us to print a PhotoPass photo that wasn’t from the Meet & Greet, but your mileage may vary on that.
  • Discounts to Disney Broadway musicals.
  • No interest for 6 months on theme park or cruise packages when charging the package to their Chase Disney Visa prior to arrival if booked through Disney or by a Disney-authorized travel agent.
  • No annual fee (obviously the Premier card differs in that it has a $49 annual fee).

As with most credit cards, the primary benefit of the card is its reward dollars. The Chase Disney Visa credit cards call these “Disney Dream Reward Dollars.” With the Rewards card, they are equal to 1% of all purchases charged to your card (so $1 back for every $100 spent). With the Premier card, rewards are 2% at gas stations, grocery stores, restaurants, and most Disney locations, and 1% everywhere else (so $2 back on a $100 bill at Le Cellier, but only $1 back on $100 spent at Amazon.com).

With both the Rewards and Premier credit cards, you can redeem these Reward Dollars for most purchases you make at the theme parks and on the Disney Cruise Line, including on park tickets, merchandise, hotel. You can also use the Reward Dollars at the Disney Store or DisneyStore.com. With the Premier card only, you can redeem Reward Dollars for airline tickets in the form of a statement credit (in other words, use the credit card to pay for the flight, and Disney will refund the purchase and deduct the points from your account).

In addition to the official discounts and perks, there are some other, less-known perks that come with the Chase Disney credit cards. Card holders often are given a 2-3 day advance window to purchase certain discount packages offered at Walt Disney World. The biggest of these is the free Disney Dining Plan promotion, and that 2-3 day window can often be the difference between getting your resort of choice with very little time on the phone, and waiting hours on the phone and ultimately getting stuck at your 3rd or 4th choice. Of course, the easy work-around here is to book your vacation package in advance, in anticipation of free dining being offered (it’s usually leaked a few days in advance of even the Visa window), and then calling back to have the promotion applied to your already-booked room. If you are a regular guest to Walt Disney World, the advantage this offers cannot be overstated. It’s huge. 

For a while, three or four times a year we would receive notices via US mail or email that we could receive 3X or 5X rewards for certain purchase categories, such as gasoline, dining, or groceries if we spent over a certain amount of money per month. Sometimes, the thresholds were set sufficiently high that we would have had to spend more money than normal to reach them. Other times, the thresholds were quite low. We haven’t received any of these reward multiplier promotions in the past 2 years, but readers have reported still receiving them. This can make both cards much more appealing.

Review

The decision to open a new line of credit should not be taken lightly, and certainly shouldn’t be made on the basis of whether you will receive a “cute piece of plastic with a castle on it.” Opening a new credit card will have a negative short-term impact on your credit score, and poor credit card management can have disastrous results. Using credit cards to earn rewards is only a pragmatic strategy if you can and will pay the balance of the card off in full each month. Otherwise, interest rates fully negate any benefit you may accrue from the card. However, I’m not here to lecture the irresponsible (even if the lack of personal accountability and financial responsibility in our society does sicken me!), so I’ll cut to the chase regarding whether I think the Disney Chase Visa credit cards are worth having.

When it comes to reward dollars, these aren’t good credit cards. Almost anyone with a reasonable credit score is eligible for cards that offer better returns (2-3%), and are less restrictive on where you can spend the rewards. I know there may be some allure in having part of your Disney vacation “free,” but really, what’s the difference between reward dollars specifically reserved for Disney and reward dollars that are usable elsewhere? If I get another card that offers rewards at Lowe’s (a store at which we all too frequently shop now that we have a house) at a rate of 2%, every $50 I could have earned in rewards by using the Disney Visa will be $100 at Lowe’s. Since I shop at Lowe’s anyway, I can set aside the $100 I would have paid in cash at Lowe’s in a “Disney fund.” $100 for your Disney trip certainly should sound more appealing than $50 for your Disney trip, even if the $50 is on a “special” Disney card. My point here is that you shouldn’t let the psychology of the Disney Reward Dollars being “reserved” for Disney make the card overly-appealing.

State differently, the rewards on the Disney Visa credit cards stink compared to what you can get through other cards with no annual fee, and it should not be used as a primary credit card. There are much better primary cards out there (many of which have annual fees, but if you’re spending enough, this won’t matter).

However, this does not mean that you shouldn’t get a Disney Visa card. The Disney Visa credit cards are great specialized use credit cards, namely for those who are serious Disney fans. After all, we have one, and it certainly wouldn’t make sense for me to recommend not getting a credit card when we ourselves have it! The real benefit of the Disney Visa is the the multitude of other perks.  For those who find themselves frequently calling to book the Free Dining promotion the second Disney Reservations opens on the first day the promotion is offered, the 2-3 day head-start that Chase Disney Visa card holders frequently receive may be appealing.  The discounts at the parks, the non-interest for 6 months on Disney trips, and character meet & greets all have their allure, as well.

Since we only hold the Disney Visa credit card for its other benefits and not rewards, we don’t have the Disney’s Premier Visa. However, we also usually have 8 credit cards between us, and we charge very little to our Disney Visa since we do most of our spending with better performing cards. If you don’t expect to have many credit cards and think you’ll be able to hit the $4,900 threshold on the Disney Visa, we’d recommend getting that card.

Overall, I think the Chase Disney Visa presents sufficient benefits for most hardcore Disney fans to justify having one. It shouldn’t be your primary credit card, though, but rather one you store away in your wallet to serve as an additional line of credit and an ancillary perk-monster!

Your Thoughts…

Do you have a Disney Visa credit card? Which one, the Disney Rewards Visa or the Disney’s Premier Visa? Share your thoughts about these credit cards in the comments!

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56 Responses to “Disney Visa Credit Card Review”

  1. RetroCOTfan says:

    “Transmogrify” is a real word – and a good one, too!

    We’ve used the Disney Rewards card for several years now, and I agree with most of your article. We use it a bit differently, though, in that we pay for everything (all our bills, food, gas, etc.) with the card and pay it off every two weeks. By doing this, we never pay interest and are essentially using it like a debit card. This allows us to rack up a lot of points fairly quickly, and we always max out the special multipliers you mentioned.

    This has proven to be a very convenient way for us to earn and use the rewards points specifically for Disney. In fact, on our last trip between the rewards points and free dining, the only out-of-pocket expense we had was airfare and souvenirs.

    I do understand your point about using another card with a higher reward rate, but for us that would add extra complication. For example, if we used a card that offered twice the rate for rewards for Lowes, we would never spend $3,000 at Lowes, but we’ll definitely spend $1,500 at Disney. (I know that’s a bit of an extreme example.)

    Ultimately, the convenience of using the one card for everything and then being able to directly use those points has proven to work very effectively for our family, and any “premium” we are paying for that convenience is offset in our eyes by the additional time saved by not having to conduct extra transactions from using another card.

    Thanks for the article! Maybe if more people sign up, they’ll recognize the popularity of the plan and offer even more benefits!

    • Tom Bricker says:

      Holy cow, it is a real word!!! I thought it was made up by Bill Watterson (in Calvin & Hobbes). That’s awesome!

      As for the substance of your comments, I totally understand your point. More reward dollars that you can’t use are sort of pointless. I know there are some better programs that offer cash back that’s usable anywhere. Chase Freedom Rewards comes to mind. That said, if you frequently receive the multipliers with the Disney Visa, you might be doing just as well with that.

      We use all of our credit cards like month long interest-free loans, always paying them off in full. With the better benefits, purchase protection, and pay-delay, I cannot fathom why anyone would use a debit card over a credit card. Then again, I suppose if everyone utilized credit cards responsibly, CC companies wouldn’t offer such great perks! So it’s a win for responsible consumers!

      • Michelle says:

        So if we charge everything on our Visa, which can be $2-3 thousand a month easily, it would be better to get Premier. But does Premier also give the occasion bump up to 3-5% rewards for limited time or is that just the regular visa?

    • Michelle says:

      We do the same awesome thing with our current Credit Union Visa!! But since we’re planning a trip to Disney we want the Disney rewards instead of the nice big check in January. Definitely getting one.

  2. Jimmy Glynn (DlandJimmy) says:

    Wow! I never knew about the meet and greet and the free 8×10 photo. That’s amazing! I need to look into the DCA one as we go with our son often and have never once purchased a photopass picture.

    Thanks!

  3. Jimmy Glynn (DlandJimmy) says:

    Just checked DisneyRewards.com and it looks like it’s a 5×7 photo, but still awesome. I can’t wait to go and get one!

  4. Katie says:

    We got a ton of $200 offers, so now 4/5 of our household have the cards (that’s $800 for Disney before we start earning rewards dollars). I have three other cards (one that does 5% gas, 2% travel/dining, 1% all else that gives a check back, a B&N one that gives 5% off B&N purchases, and a capital 1 card that doesn’t charge a foreign transaction fee) and I pick which card I’m paying with based on rewards/benefits. I am always very careful to pay every card off in full each month and not to spend more money than I have available to pay. I am also excited for the character meet and greet (and free print) opportunity!

  5. John Ledbetter says:

    For my wife and I, the discount at some of the Park’s merch shops has been really useful. We will keep track of the things we want to buy while we are at the parks and then near the end of the trip we will find a store that sells all (or most) of them, and then enjoy the discount.

  6. Lindsay says:

    I signed up for the card strictly for the 20% tour discount (I’m doing all the tours – so it adds up.) It is worth knowing two things 1.) you can use the 20% tour discount for you & up to 9 other people in your party and 2.) if you want the card sooner than later, try Googling for better reward offers. I was seeing $25 & $15 offers on DIsney’s site. But I did a little research & found some $100 offers – often seen on AP & DVC websites. I’ve never seen a $200 offer myself, but I’ve saved more than that on tours already – so it wasn’t worth waiting for.

    The bonus rewards comes to you in the form of gift card several weeks after the end of your first billing period with a charge.

  7. Charles B says:

    My wife and I just got a new rewards card that isn’t a Disney card. We find ourselves traveling a few times per year, usually to Disney, and usually on the same airline. That airline’s card has a 1st bag free perk, but while it is free the first year, but has a near $100 annual fee after that. We always check bags, at $25/pp each way, that’s also $100 per trip. If we only take one trip per year we break even. Every trip after that is a $100 bonus. Depending on your travel and spending habits, that may add up faster than 1% or 2% cash back. Still won’t get you a photo with Mickey, though.

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  10. Ashley says:

    Where do you find and fill out the “requests for information” forms on the Disney World website?

  11. John says:

    You just tweeted this link today (3/25/2012), but I just now noticed it was written in Aug 2011. Chase and Disney are now offering a second card. It earns 2% in reward dollars on card purchases at gas stations, grocery stores, restaurants and most Disney locations. 1% on all other purchases. It does come with a $49 annual fee, and $100 incentive for signing up.

    Still as you stated before, there are other better cards out there. I am considering changing to the new card for the 2% rewards. Even though we know there are better offers out there we might give this new Disney card a try.

    • Tom Bricker says:

      Thanks for the heads up on this. I *thought* I posted an update to this last night (as you might have noticed I’ve been going through older posts, like the Via Napolia review, and updating them), but it turns out I just saved the draft. The revised post is now live! Thanks!

  12. Annie says:

    I agree with this article. This is the first year we booked a trip with 6 months no interest on the card. Because we booked 200+ days in advance, we only had to put the deposit on the card up front. So we have 6 months to pay off the deposit without interest. When the balance of the trip is due 45 days prior to check in, we can put the rest on the Disney card for 6 months no interest. In all, we can technically stretch out our trip payments for 11 months without interest!

  13. Lisa Murray says:

    I am planning on getting the no fee Disney Visa card. I learned my lesson the hard way.

    I had my reservation at POFQ. By the time my travel agent was able to add on “free dining” (around noon, the day it opened to the public) all of the “free dining” rooms were gone! I had the choice of CSR – King suite (would not work, we had a party of 4), CBR (no thanks – double beds) or POR – Royalty Suite! The Royalty Suite meant an extra $250!

    So #1 I’m getting a Disney Visa to beat the public over free dining and #2 I’m booking myself, not using a travel agent.

  14. Sara says:

    I’ve had the card since 2003. I fully understand that I could probably earn higher rewards on a cash-back type card (which my husband uses), but for me the psychology of it being Disney is actually part of the draw. With the cards where you just get statement credits back it goes unnoticed and I don’t really feel “rewarded” (even though yes I can do math). But watching my Disney rewards count inch higher every month is part of the anticipation of my next trip for me, and using the rewards debit card to buy all my random purchases in the park is so convenient and feels much more like “free money” to me. One time I even had enough to buy our park hoppers. So I guess I’m a sucker for their marketing, but I don’t mind. Plus, I find one of the hidden “perks” is actually the interactions I have with cashiers everywhere I go that see the card and we share how much we love Disney!

  15. Jill says:

    Could someone please explain the free dining option. I have been a card holder since 2008, planning our 2014 Disney trip. Trying to get all the benefits I can out of this card

  16. Jose says:

    I agree that there are better cards out there that pay you back a much better rate. We have the premiere card. Yes, we pay the yearly fee of $49 but we did the math and we actually save more by going this route. I also agree with Sara that it just feels “cool” to have a Disney branded card… and be “suckers for [Disney] marketing”. We live in Southern California where Disney is part of our “blood” here. We frequent the resort area at least twice a month so earning the 2% at Disney locations is easy for us. I would imagine this would also be the case for someone in the Orlando region. If we didn’t live in an area close to Disney, I don’t think I would have the premier card and would end up using some other card with a higher reward rate.

    • Tom Bricker says:

      I don’t think that’s a bad philosophy to have at all. Works out for you and you enjoy having it. Win-win!

  17. Sharon says:

    We are about to sign up for the Disney Chase card, for the advance notice on resort discount deals and the park perks. After much thought, we have landed on the Premier card, with the annual fee. I have “done the math”, as is frequently recommended here, and none of the other cards available can get the consistent 2% bonus on gas, groceries & restaurants. These are expenditures that we have anyway, so why not put them to work for us? I know we will easily spend those rewards at Disney.
    I looked at last month’s statement, and we spent $600 in gas (!) & $400 in groceries. That translates to $20 reward dollars for purchase we would make anyway, or $240 per year (net $191 after the annual fee). Factor in the current $200 gift card, and I feel it covers the next 4 years of perks anyway.
    One of my free cards offers bonuses sometimes, last month it was 5% on gas, but you have to sign up for them when they are offered, they are sporadic, and you cannot count on them.
    Another of my cards offers 3% on gas & 2% on groceries, but max $1500 per quarter. Since we spend more than that, and it doesn’t include restaurants, I am losing out, even considering the no annual fee.
    I have not forgotten about the 2% bonus on Disney purchases, but I’m not even factoring it in, because I will buy Disney gift cards with the Target Red Card Visa, and save 5% on them! They will be used to pay things on our trip, like the resort, dining, and merchandise. (Why buy Disney stuff to get 2% toward more Disney stuff, when I can just get 5% off Disney stuff?) I also won’t use the 6 months no financing on Disney packages, because sites like this one have schooled me so well in not falling for the package “deal”, and I generally book the room-only reservation & get our tickets from Undercover Tourist!
    So, since I have “done the math” (and showed my work!), I think for us, it is the best option. BUT, if someone can tell me of a free card, that offers 2% on gas, groceries (and even restaurants), that you get cash back instead of Disney points, then I’m in!

    • Tom Bricker says:

      First of all, kudos for doing the math and showing your work. That scores some serious points here regardless!

      As for cards, it sounds like the implication here is that you only have one credit card. With this constraint, you’re going to hit reward ceilings on a lot of the best credit cards. For general cashback, we recommend having BOTH the Chase Freedom Rewards AND the AMEX Blue Cash ($75 annual fee). Possibly one other card depending upon how much you spend. By using a combination of these cards, you can maximize your cashback.

      Beyond that, we have niche cards that offer rewards and perks in specific categories, but that we don’t use as much. These would include hotel and airline cards, and yes, even the Chase Disney Visa!

      If you only want to have one card, though, what you’re doing is a pretty solid option.

      • Sharon says:

        Haha, thanks, I’m honored you replied!

        No, we have 3 main cards, one of which is the Chase Freedom card. One is a balance transfer leftover. Another is a so called Power Rewards, the one we have been using the most due to its low (fixed!) interest rate, with terrible rewards.

        So now that I have begun to pay attention (to maximize our next Disney trip), I have done some research & we have decided to open 2 more: the Southwest Premier and the Disney Chase Premier. I was only going to get the Disney Rewards Card for the Disney perks, but then I realized that the $200 gift card & the double gas/groceries reward would more than pay for the card’s annual fee.

        It is true that I could maximize points by opening other, possibly better, cards but this is just about all that I care to have to monitor for now. Kudos to you for being to savvy! One day, I will set more time aside & get to it!

        Thanks, awesome blog, I learn so very much from you!

        PS Would LOVE your analysis of the current Stay/Play/Dine offer, hint hint…

      • Tom Bricker says:

        I’ll have to read more about the Stay/Play/Dine offer…sounds like a good idea for a post. Thanks!

  18. Christy says:

    Just found this article while researching the Disney Premiere card and have a question. How restrictive is the 2% on grocery stores? What if I buy groceries somewhere like Wal-Mart or Costco, does that count or does it have to be an actual grocery only store?

    • Tom Bricker says:

      Other cards we have do *not* consider either a grocery store, but I’m not sure about the Disney Premier Visa, specifically. Perhaps someone who has it can help. Anyone?

    • John says:

      I have asked that question regarding the grocery stores. If the place you shop has a NAICS (Its a business type identification code) which matches your a code for grocery store, it would count. An example would be a Target store I shop at has one of their codes associated with them as grocery store so you would get 2% with the premier card. Even on non-grocery items! The easiest way to make sure is once you make a purchase, call Disney Visa and just ask them. They would look at your charges you have in question and let you know if those charges qualify. Good Luck.

    • Sharon says:

      I have had the Disney Premiere card since October (see above!) and I don’t get why they don’t indicate on the statements which transactions are being counted in each category! What’s the big secret?
      Anyway, I usually download the transactions list, and analyze in Excel.
      Some interesting observations:
      -They round off the total spending in each category to the nearest $0.50 before they apply the percentage.
      -Dollar Tree counted as groceries on my statement, but I don’t think Trader Joe’s did.
      -And out of a total of $4661 in purchases at actual grocery stores, Wal-Mart and Target so far, only $93.52 of it cannot be accounted for in the grocery category, ie I was shorted $1.87 in the 2% reward dollars. (Incidentally, none of my Wal-Marts or Targets are considered “Super”, as in grocery stores, but they do have lots of groceries.)
      So, I would say, yes to your question about Wal-Mart!
      I’m pretty sure Costco doesn’t take Visa, only debit and I think MasterCard.

  19. Ces Ro says:

    You know, I wonder.. is this card exclusive to the United States citizens?
    I am a Mexican citizen and I travel to the US quite a few times(minimum of 1 per year).
    and since I work and get paid in USD (some of them via paypal) and the fact that I buy a lot from AMAZON…. I wonder if its possible to get such cards while not being a US Citizen (ps, I fell in love with disney since I went to WDW this year).

  20. John says:

    Great article. One other “perk” I will like to mention is that my family has gotten emails for pre-screenings to Disney Movies. Last spring we got four free tickets to see Monsters University a day before the movie came out. That’s pretty cool. One different question. Does Disney Visa ever waive the $49 fee for premier members like if you complain? Just asking.

  21. Glen says:

    Is the discounts at the Disney shops etc.. done on the card itself on the statement, or do you ask for the discount when in the store? I ask this because DVC members get discounts as well, so I wonder if you can combine the discounts or if it’s a one or the other case…

    Thanks and great article.

  22. Paul says:

    Anyone using this card is brain dead. Go get a Fidelity 2% cb card and get 2% on everything.

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  24. Dulce Maria Aragon says:

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  28. Vicki1954 says:

    I would love a Disney card but since I’ve sworn off credit cards for live (they became a problem and resulted in bankruptcy) I was wondering if there is a Disney Debit card. I would like to be able to put money on a card each month toward a trip to WDW and then have the convenience of a card while there. Do you know if there is such a thing? Don’t want to use a Disney Gift Card as the amount is rather low and would have to have many cards……

  29. tle says:

    I was just reading your blog about the Disney credit card. We are planning a trip in January 2015 and have not booked anything yet. Can you explain a little more about the free dining promotion? Does that still exist? Also, any updated advice on current promotions, credit card or otherwise? Thanks!

  30. Melissa says:

    We have used the Disney Chase for a few years to rack up points towards a trip. We took the trip in Feb and I put the balance on the card so I could use the 6 moths no interest. (I love a deal and pay my balance in full every month to avoid interest). I was disappointed to find out that since I have a “balance” I am being charged interest the moment I make a purchase with that card. Basically last month I charged $4100, I paid them $4400 towards the new purchases and portion toward the interest free balance… I was still charged interest. I called tonight and was told I no longer have 30 days to pay for new charges, I’m paying interest the minute I swipe my card as long as that vacation promo is there (of course, they’re not charging me interest on the vaca promo). There aren’t enough deals that make it worth that pain after a vacation, I’m paying the vaca off and canceling the card.

  31. Janeo says:

    Received invite for Disney rewards visa with a $200 gift card after spending $500 in first 3 months, missed deadline but was still going to try… Was wondering if worth it for a one timer to disney come December? Probably won’t be back! :( would definitely be able to spend the $500. Already put down payment on another card though! Errrrr!

  32. Aaron says:

    Hi there, we are planning a trip in Feb. 2014 for my sons 4th b day/first visit to Disneyland and California Adventure.

    Can someone explain how points are used towards a vacation package and/or tickets? Do you pay for everything up front and then it is taken off your statement or are you given a gift card to pay for the trip/tickets?

    Thanks in advance!

  33. Jen says:

    Like janeo, I am trying to plan a trip in February 2015. This will be my children’s first time but I’m a single mom and on a very strict budget therfore I do not own any credit cards. My neighbor had told me to get the Disney Rewards Card but is it smart to charge the airline tickets, park tickets and the hotel on it when I’m planning on staying in a hotel outside of the resort? I don’t plan on going back to Disney World anytime soon. I plan on canceling the card and paying off the vacation once the trip is over.

  34. Angie D. says:

    We got the Disney Rewards Visa about a year ago. As a family of 8, one of my favorite perks is the 6 months, no interest, to pay off an upcoming or current vacation. Of course a package of a WDW resort and tickets must be purchased to qualify for that special financing, but it does allow for some budget smoothing if we plan a trip more impulsively than usual.
    We went to WDW in February and there were character lines that were very long. (Not so great with 6 children). By having the Disney Chase, we were able to get into a line with only 1 family before us and were given at least 5 minutes with Mickey, Minnie, and Pluto, so our 6 year-old daughter could finally give Mickey and Minnie the picture she drew at home before our trip and toted with her all 6 days of the trip waiting for that opportunity. Finally! They were great with her. What wonderful memories and the 5×7 was excellent!
    With the bonus discount of 20% off many of the restaurants and 10% at the stores (with a $50 purchase), it is an excellent card to have handy, even if it is used exclusively for trips.

  35. MrsM says:

    I’ve debated getting this card a few times but never did because my primary credit card (PayPal) gives me more reward points and I can redeem them for Disney giftcards. None of the perks, except for the gift card for signing up, ever seemed like they’d be that big of a deal.

    I finally decided to get the rewards card today because I noticed the card also gives you 10% off at specific resort restaurants. We will be eating at Jiko, Sanaa, and possibly Boma on our trip in a few weeks. All of those offer a discount. The current giftcard offer for the regular rewards card is $50. I did the math and between the discounts and gift card I figure this card will save us about $100 and who can say no to $100?

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