Disney Visa Credit Card Pros & Cons

This post reviews the Chase Disney Rewards Visa and Premier credit cards, the pros and cons of each card, and the perks cardholders receive at Walt Disney World, Disneyland, and beyond. We’ll offer perspective on which credit card might be right for you…or if neither are.

There are a few differences between the Disney Rewards 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, 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. Plus, there’s currently a $200 sign-up bonus (after spending $500 in your first 3 months), which you can take advantage of with this referral.

While the Disney Visa credit cards offer perks (that we’ll discuss below, we want to be clear up front that even as huge Disney fans, we don’t think this is a good primary use credit card, especially if you’re looking to earn travel rewards to redeem on Walt Disney World, Disneyland, or other vacations. For that, see our List of the Best Credit Cards for Disney Travel. Rather, we view the Disney Visa credit cards as solid secondary cards to hold onto, primarily for the benefits…

Often, there are special room discounts available exclusively to Disney Visa cardholders. These are better than the rates offered to both Annual Passholders and Florida residents by 5%, which is not insignificant. This has included a really good deal at the new Gran Destino tower and currently, there’s a 40% off discount at Disney’s Riviera Resort exclusively for Disney Visa cardholders.

Beyond this, the biggest perk of the Disney Visa credit card has ‘bonuses’ for 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 in August.

Last year, there was a “second chance” window for booking select dates of the promotion that was exclusive to Disney Visa Cardmembers. We’re anticipating the same again for 2020 given that Free Dining was once again released earlier than normal, which will likely mean extra dates in August 2020 for the deal, more room inventory, or both. This is potentially a huge perk if you’re able to take advantage.

Disney now has credit cards with chips in them for added security, as well as new designs featuring Frozen and Star Wars. We’ve had the Disney Visa credit card for nearly a decade, and have come to like it…for certain purposes. It’s not our primary, or even secondary, credit card, but it can come in handy. 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, there’s now 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. These are the only two credit cards that Disney currently offers, although there is also a Disney Chase Debit Card.

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 two Disney Rewards Visa Credit Card from Chase that exist today.

Since these two credit 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 the Disney credit card 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.

Now let’s take a look at the other rewards, and the pros and cons of the Disney credit cards…

Perks & Incentives


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, Walt Disney World, Disney Cruise Line, and Aulani gift shops, as well as 10% off $50 purchases online at DisneyStore.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.
  • 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.
  • 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.
  • 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 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 addition to the official discounts and perks, there are some other, less-known perks that come with the Chase Disney credit cards. Card holders used to receive a 2-3 day advance window to purchase certain discount packages offered at Walt Disney World, but that has not been the case for the last several years.

The good news is that there’s now a different Disney Visa discount perk for Walt Disney World, which is extended availability for the free Disney Dining Plan promotion. Instead of an advance booking window, extra dates have typically been offered to the promotion for cardholders in early August.

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.

We’ve also received promotion offers for a $300 credit at Disney’s Aulani Resort in Hawaii, plus savings of up to 30% off for cardholders. While we won’t be taking advantage of either promotion, it’s good to see Disney is offering more perks for its Disney Visa Cardholders.


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.

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. Believe, me: I know there is 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!

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