Review & Info: Disney Visa Credit Card by Chase
This Disney Visa credit card review covers sign-up bonus info, rewards, and perks, including discounts at Walt Disney World & Disneyland. It also compares the regular Chase Disney Visa v. Premier, the pros and cons of each card, and whether the Disney Visa credit cards are worth having. (Updated October 21, 2022.)
Disney Visa credit cards offer nice perks, special offers, and discounts (that we’ll discuss in detail below), which is the primary reason to get them. Even though we’re huge Disney fans, we don’t think either of the Disney Visas are good primary use credit cards. This is especially true if you’re looking to earn travel rewards to redeem on Walt Disney World, Disneyland, or other vacations. In that regard, these credit cards are pretty weak.
For maximizing your rewards, see our List of the Best Credit Cards for Disney Travel. These credit cards instead are solid secondary credit cards to have in your wallet or purse, mainly for the benefits. Just be mindful that both credit cards are issued by Chase and thus subject to the 5/24 rule. That means you won’t be approved if you’ve opened five or more personal credit cards from any issuer within the past 24 months. With that out of the way, let’s compare and contrast the two Disney Visa credit cards.
October 21, 2022 Update: The Walt Disney Company, Chase, and Visa announced a multi-year extension of the Disney Visa Card, Disney Premier Visa Card, and Disney Visa Debit Card programs. This continues the two-decade relationship of the three companies that offers Disney Cardmembers exclusive benefits, rewards, experiences, and perks at Walt Disney World, Disneyland, and beyond.
In anticipation of the 100th anniversary of The Walt Disney Company in 2023, the three companies also announced that a new, limited-edition card design for the Disney Premier Visa Card will be released in January 2023. The new offering will be the first Disney co-brand card made of metal! This new Disney100 metal credit card will be available to new and existing Disney Premier Visa Cardmembers exclusively during the Disney 100 Years of Wonder celebration.
Disney hasn’t released a design of the new credit card yet, but we’re expecting it to be platinum or silver in color, and feature the above 100 Years of Wonder logo. If you want to apply now so you can switch to the new metal Disney100 credit card once it’s released, you can currently take advantage of a sign-up bonus of up to $300 in rewards dollars after spending $1,000 within the first 3 months with our referral link.
There’s no guarantee the bonus will be this good in January 2023 once the new card is released. To the contrary, Disney and Chase might try to use that new metal card rather than a big bonus to entice new signups. As such, it might make more sense to apply now, get the Walt Disney World 50th Anniversary credit card (see below) and then switch to the metal card once it’s offered.
With that news out of the way, let’s turn to our normal review and comparison of the various Disney Chase Visa Card options…
Disney Visa Premier v. No-Fee Cards
There are a few differences between the regular Disney Visa credit card and the Disney Premier Visa credit card, but the primary one is that the Rewards card has no annual fee and offers 1% rewards. The Disney Premier Visa has a $49 annual fee, but offers 2% rewards at gas stations, grocery stores, restaurants, and most Disney locations, and 1% everywhere else. (These are the only two credit cards that Disney currently offers, although there is also a Disney Chase Debit Card.)
Typically, the regular Disney Visa offers a $150 sign-up bonus whereas the Disney Premier Visa offers a $300 sign-up bonus. The basic card requires a minimum spend of $500 in your first 3 months, whereas the Disney Premier Visa requires spending $1,000. In terms of redemption, the Premier’s rewards can be used for a statement credit toward airline travel and all things Disney. The regular card’s rewards can only be applied towards Disney purchases.
Otherwise, perks and access to special offers are totally identical. So the calculus as to which version you should get comes down to how long you expect to keep the credit card and how much you’ll use the Disney Premier credit card in the 2% categories. (Setting aside the sign-up bonus, the breakeven point on rewards is over $4,900 worth of purchases per year in the 2% categories.)
If you’re keeping the card for fewer than two years or longer but will hit the $4,900 threshold in years 3 and beyond, you should probably get the Disney Premier Visa credit card because the extra 1% in rewards will exceed the $49 annual fee. I have only the regular version of the card because I’ve had it for approximately 15 years and only charge one recurring $14.99 per month charge to the credit card. As noted above, there are significantly better everyday use and travel credit cards; I have almost a dozen credit cards at any given moment, and use those instead of the Disney Visa.
Disney Visa Discounts & Perks
In addition to special offer eligibility, there are a range of discounts Disney Visa cardmembers are eligible to receive. Note that the vast majority of these are also available to debit cardholders, so if you don’t want the credit card (or can’t get it due to the 5/24 rule), that’s something to consider.
Here are the discounts:
- 10% off merchandise purchases of $50 or more at certain Disneyland, Walt Disney World, Disney Cruise Line, and Aulani gift shops, as well as 10% off $50 purchases online at shopDisney.com.
- 15% off tours at both Walt Disney World and Disneyland.
- 10% off certain recreation at Walt Disney World.
- 10% off certain restaurants at Walt Disney World and Disneyland.
- 10% off Castaway Cay recreation packages for Disney Cruise Line.
- 20% off select spa services aboard Disney Cruise Line.
Here are other non-discount perks:
- Exclusive character meet & greet locations 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. (It’s currently a rotation of characters in their Walt Disney World 50th Anniversary outfits at Epcot, as pictured above.)
- Exclusive Star Wars meet & greet locations in Disneyland and Walt Disney World.
- A free PhotoPass photo download when you visit the characters at the exclusive meet & greets.
- Discounts to Disney Broadway musicals.
- Complimentary DoorDash Membership: No delivery fees on eligible orders from DoorDash and Caviar after activating by December 31, 2024.
- 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.
Additionally, it’s not a perk per se, but you can choose the design of your Disney Visa Credit Card from roughly a dozen different designs. It’s free and you can do so anytime. Plus, all Disney Visa Cards are now contactless and enabled for tap-to-pay.
Right now, there are several different Star Wars Disney Visa credit card options, including Baby Yoda from the Mandalorian on Disney+.
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 most recently received one of these two summers ago. If we used the Disney Visa Card to pay eligible utility bills, we’d earn 4% on those bills through August 31, for a maximum of $500 rewards back. Not too shabby.
Disney Visa Special Offers
The main reason we have and recommend the Disney Visa credit cards is access to the discounts and limited-time cardmember perks. From time to time, there are special room discounts available exclusively to Disney Visa cardholders. These are typically better than the rates offered to both Annual Passholders and Florida residents.
Currently, there are no Disney Chase Visa exclusive discounts available. However, Winter & Spring 2023 Walt Disney World AP Resort Discounts were just released. It’s likely more are on the horizon for Florida residents, Disney Visa cardholders, or Disney+ subscribers. There’s no way of knowing which affiliations will be targeted for discounts in 2023 and beyond–the company has been offering more and more deals for Disney+ subscribers and fewer for credit cardholders, though.
Normally, the biggest special offer that Disney Visa credit cardmembers are eligible for revolves around the popular Free Disney Dining Plan promotion. For the past three years, Disney Visa cardholders have received an extended selection of dates to book the Free Dining Plan deal at Walt Disney World, with extra dates.
The last time Free Dining was offered, there was a “second chance” window for booking select dates of the promotion that was exclusive to Disney Visa Cardmembers. We’re not positive of what to expect for 2023, as it’s possible Free Dining won’t even return until 2024. Regardless, the early booking and extended date range is potentially a huge perk if you’re able to take advantage.
One way or another, we’re expecting a lot more targeted discounts for Walt Disney World in 2023. Along with Annual Passholders, Disney+ subscribers, and Florida residents, Disney Visa cardmembers will be the main beneficiaries of these special offers.
Beyond Walt Disney Word, there are occasionally deals for Disneyland, Disney Cruise Line, and other Disney destinations. During the winter off-season, it has been common for Disney Visa cardmembers to save up to 30% on select rooms at Aulani, A Disney Resort & Spa in Hawaii plus a $75 Resort Credit per night.
The longer you stay, the more you save with this deal–3 night stays are eligible for 20%, 4 nights are eligible for 25% off, and 5 night or longer stays receive 30% off. We haven’t seen this deal released yet for Winter 2023, but it has been for the last several years, so look out for it.
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 anyone, so I’ll cut to the chase regarding whether I think the Disney Chase Visa credit cards are worth having.
Unlike cashback credit cards or those with more flexible rewards, with the Disney Visa credit cards, you can redeem these Reward Dollars only for purchases you make at the theme parks, on Disney Cruise Line, or various other locations like the Disney Store or shopDisney.com. With the Premier card only, you can redeem Reward Dollars for airline tickets in the form of a statement credit.
When it comes to reward dollars, the Disney Visas are not good credit cards for primary use. Almost anyone with a reasonable credit score is eligible for cards that offer better returns, and are less restrictive on where you can spend the rewards. There’s allure in pulling out a cool Disney card to pay for purchases and in having part of your Disney vacation “free” thanks to these rewards.
However, 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 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. It can be a good credit card for Disney or for travel, but it’s not the end-all, be-all of credit cards.
This does not mean that you shouldn’t get a Disney Visa card. The Disney Visa credit cards are great secondary or specialized use credit cards, namely for those who are serious Disney fans. The real benefit of the Disney Visa is the the multitude of other perks. 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, 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. For frequent visitors of Walt Disney World or Disneyland, the perks alone can justify holding onto one of these Disney credit cards, and fans of the popular Free Dining deal at WDW can find the Disney Visa invaluable when it comes to booking that promo.
Need Disney trip planning tips and comprehensive advice? Make sure to read Disney Parks Vacation Planning Guides, where you can find comprehensive guides to Walt Disney World, Disneyland, and beyond! For Disney updates, discount information, a free download of our Money-Saving Tips for Walt Disney World eBook, and much more, sign up for our free monthly newsletter!
Your Thoughts
Do you have a Disney Visa credit card? Which one, the Disney Rewards Visa or the Disney’s Premier Visa? Do you take advantage of the perks these credit cards offer at Walt Disney World or Disneyland? Agree or disagree with our advice and credit card recommendations? Any questions we can help you answer? Hearing your feedback–even when you disagree with us–is both interesting to us and helpful to other readers, so please share your thoughts below in the comments!
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.
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).
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?
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?
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.
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.
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!
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.
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…
I’ll have to read more about the Stay/Play/Dine offer…sounds like a good idea for a post. Thanks!
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.
I don’t think that’s a bad philosophy to have at all. Works out for you and you enjoy having it. Win-win!
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
Check out https://disneytouristblog.com/disney-dining-plan for more info.
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!
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.
Pretty good reason to get the card, in your case! That could end up being a decent amount of yearly savings.
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!
Annie- which card do you have? Rewards or Premier
OMG, I never thought of this! I always make my reservation 200+ days in advance and just pay it all off right then with my Premier Visa, and start my 6 months same as cash with Chase. I had noticed if I changed anything, like adding extra ticket days or hopping privileges, I would be given 6 months from that time to pay it off interest free, but NEVER thought to do it your way to extend my payment time. I like your idea! I’ve been wanting to reserve my Christmas 2016 trip NOW, but knew I couldn’t have it all paid off in 6 months. You’ve given me an idea……thanks, Annie!
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.
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!
Where do you find and fill out the “requests for information” forms on the Disney World website?
I once lost my keys, and tried finding them by yelling Keys! as if they were some pet that would beckon to my command. http://www.moarrs729910.net
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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.
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.
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.
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!
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!
Oops – thanks for the heads up, it’s fixed now!
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!
“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!
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!
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?
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.