This Disney Visa bank card evaluate covers sign-up bonus data, rewards, and perks, together with reductions at Walt Disney World & Disneyland. It additionally compares the common Chase Disney Visa v. Premier, the professionals and cons of every card, and whether or not the Disney Visa bank cards are price having. (Updated October 21, 2022.)
Disney Visa bank cards supply good perks, particular gives, and reductions (that we’ll talk about intimately under), which is the first cause to get them. Even although we’re large Disney followers, we don’t assume both of the Disney Visas are good major use bank cards. This is very true when you’re trying to earn journey rewards to redeem on Walt Disney World, Disneyland, or different holidays. In that regard, these bank cards are fairly weak.
For maximizing your rewards, see our List of the Best Credit Cards for Disney Travel. These bank cards as an alternative are stable secondary bank cards to have in your pockets or purse, primarily for the advantages. Just be aware that each bank cards are issued by Chase and thus topic to the 5/24 rule. That means you gained’t be accredited when you’ve opened 5 or extra private bank cards from any issuer throughout the previous 24 months. With that out of the way in which, let’s evaluate and distinction the 2 Disney Visa bank cards.
October 21, 2022 Update: The Walt Disney Company, Chase, and Visa introduced a multi-year extension of the Disney Visa Card, Disney Premier Visa Card, and Disney Visa Debit Card packages. This continues the two-decade relationship of the three firms that gives Disney Cardmembers unique advantages, rewards, experiences, and perks at Walt Disney World, Disneyland, and past.
In anticipation of the one hundredth anniversary of The Walt Disney Company in 2023, the three firms additionally introduced {that a} new, limited-edition card design for the Disney Premier Visa Card can be launched in January 2023. The new providing would be the first Disney co-brand card product of steel! This new Disney100 steel bank card can be accessible to new and current Disney Premier Visa Cardmembers solely through the Disney 100 Years of Wonder celebration.
Disney hasn’t launched a design of the brand new bank card but, however we’re anticipating it to be platinum or silver in shade, and have the above 100 Years of Wonder emblem. If you wish to apply now so you’ll be able to swap to the brand new steel Disney100 bank card as soon as it’s launched, you’ll be able to at the moment reap the benefits of a sign-up bonus of as much as $300 in rewards {dollars} after spending $1,000 throughout the first 3 months with our referral hyperlink.
There’s no assure the bonus can be this good in January 2023 as soon as the brand new card is launched. To the opposite, Disney and Chase would possibly attempt to use that new steel card fairly than an enormous bonus to entice new signups. As such, it’d make extra sense to use now, get the Walt Disney World fiftieth Anniversary bank card (see under) after which swap to the steel card as soon as it’s provided.
With that information out of the way in which, let’s flip to our regular evaluate and comparability of the assorted Disney Chase Visa Card choices…
Disney Visa Premier v. No-Fee Cards
There are a number of variations between the common Disney Visa bank card and the Disney Premier Visa bank card, however the major one is that the Rewards card has no annual charge and gives 1% rewards. The Disney Premier Visa has a $49 annual charge, however gives 2% rewards at gasoline stations, grocery shops, eating places, and most Disney places, and 1% in every single place else. (These are the one two bank cards that Disney at the moment gives, though there may be additionally a Disney Chase Debit Card.)
Typically, the common Disney Visa gives a $150 sign-up bonus whereas the Disney Premier Visa gives a $300 sign-up bonus. The fundamental card requires a minimal spend of $500 in your first 3 months, whereas the Disney Premier Visa requires spending $1,000. In phrases of redemption, the Premier’s rewards can be utilized for an announcement credit score towards airline journey and all issues Disney. The common card’s rewards can solely be utilized in direction of Disney purchases.
Otherwise, perks and entry to particular gives are completely equivalent. So the calculus as to which model you must get comes all the way down to how lengthy you count on to maintain the bank card and the way a lot you’ll use the Disney Premier bank card within the 2% classes. (Setting apart the sign-up bonus, the breakeven level on rewards is over $4,900 price of purchases per yr within the 2% classes.)
If you’re retaining the cardboard for fewer than two years or longer however will hit the $4,900 threshold in years 3 and past, you must in all probability get the Disney Premier Visa bank card as a result of the additional 1% in rewards will exceed the $49 annual charge. I’ve solely the common model of the cardboard as a result of I’ve had it for roughly 15 years and solely cost one recurring $14.99 per thirty days cost to the bank card. As famous above, there are considerably higher on a regular basis use and journey bank cards; I’ve nearly a dozen bank cards at any given second, and use these as an alternative of the Disney Visa.
Disney Visa Discounts & Perks
In addition to particular supply eligibility, there are a number of reductions Disney Visa cardmembers are eligible to obtain. Note that the overwhelming majority of those are additionally accessible to debit cardholders, so when you don’t need the bank card (or can’t get it because of the 5/24 rule), that’s one thing to contemplate.
Here are the reductions:
- 10% off merchandise purchases of $50 or extra at sure Disneyland, Walt Disney World, Disney Cruise Line, and Aulani reward retailers, in addition to 10% off $50 purchases on-line at storeDisney.com.
- 15% off excursions at each Walt Disney World and Disneyland.
- 10% off sure recreation at Walt Disney World.
- 10% off sure eating places at Walt Disney World and Disneyland.
- 10% off Castaway Cay recreation packages for Disney Cruise Line.
- 20% off choose spa providers aboard Disney Cruise Line.
Here are different non-discount perks:
- Exclusive character meet & greet places at Epcot and Disney California Adventure, each solely accessible to Chase Disney Visa holders. The characters at these places are “random,” and also you don’t know who you’ll get earlier than coming into the places, however at each places only some characters seem. (It’s at the moment a rotation of characters of their Walt Disney World fiftieth Anniversary outfits at Epcot, as pictured above.)
- Exclusive Star Wars meet & greet places in Disneyland and Walt Disney World.
- A free PhotoPass photograph obtain if you go to the characters on the unique meet & greets.
- Discounts to Disney Broadway musicals.
- Complimentary DoorDash Membership: No supply charges on eligible orders from DoorDash and Caviar after activating by December 31, 2024.
- No curiosity for six months on theme park or cruise packages when charging the package deal to their Chase Disney Visa previous to arrival if booked by means of Disney or by a Disney-authorized journey agent.
Additionally, it’s not a perk per se, however you’ll be able to select the design of your Disney Visa Credit Card from roughly a dozen totally different designs. It’s free and you are able to do so anytime. Plus, all Disney Visa Cards are actually contactless and enabled for tap-to-pay.
Right now, there are a number of totally different Star Wars Disney Visa bank card choices, together with Baby Yoda from the Mandalorian on Disney+.
For some time, three or 4 instances a yr we might obtain notices by way of US mail or e mail that we may obtain 3X or 5X rewards for sure buy classes, corresponding to gasoline, eating, or groceries if we spent over a sure sum of money per thirty days. Sometimes, the thresholds had been set sufficiently excessive that we might have needed to spend extra money than regular to succeed in them. Other instances, the thresholds had been fairly low.
We most just lately acquired one among these two summers in the past. If we used the Disney Visa Card to pay eligible utility payments, we’d earn 4% on these payments by means of August 31, for a most of $500 rewards again. Not too shabby.
Disney Visa Special Offers
The predominant cause now we have and suggest the Disney Visa bank cards is entry to the reductions and limited-time cardmember perks. From time to time, there are particular room reductions accessible solely to Disney Visa cardholders. These are usually higher than the charges provided to each Annual Passholders and Florida residents.
Currently, there are not any Disney Chase Visa unique reductions accessible. However, Winter & Spring 2023 Walt Disney World AP Resort Discounts had been simply launched. It’s seemingly extra are on the horizon for Florida residents, Disney Visa cardholders, or Disney+ subscribers. There’s no manner of realizing which affiliations can be focused for reductions in 2023 and past–the corporate has been providing an increasing number of offers for Disney+ subscribers and fewer for credit score cardholders, although.
Normally, the largest particular supply that Disney Visa credit score cardmembers are eligible for revolves across the widespread Free Disney Dining Plan promotion. For the previous three years, Disney Visa cardholders have acquired an prolonged collection of dates to ebook the Free Dining Plan deal at Walt Disney World, with further dates.
The final time Free Dining was provided, there was a “second chance” window for reserving choose dates of the promotion that was unique to Disney Visa Cardmembers. We’re not constructive of what to anticipate for 2023, because it’s doable Free Dining gained’t even return till 2024. Regardless, the early reserving and prolonged date vary is doubtlessly an enormous perk when you’re capable of take benefit.
One manner or one other, we’re anticipating much more focused reductions for Walt Disney World in 2023. Along with Annual Passholders, Disney+ subscribers, and Florida residents, Disney Visa cardmembers would be the predominant beneficiaries of those particular gives.
Beyond Walt Disney Word, there are sometimes offers for Disneyland, Disney Cruise Line, and different Disney locations. During the winter low season, it has been widespread for Disney Visa cardmembers to save lots of as much as 30% on choose rooms at Aulani, A Disney Resort & Spa in Hawaii plus a $75 Resort Credit per night time.
The longer you keep, the extra you save with this deal–3 night time stays are eligible for 20%, 4 nights are eligible for 25% off, and 5 night time or longer stays obtain 30% off. We haven’t seen this deal launched but for Winter 2023, but it surely has been for the final a number of years, so look out for it.
Review
The choice to open a brand new line of credit score shouldn’t be taken frivolously, and positively shouldn’t be made on the premise of whether or not you’ll obtain a “cute piece of plastic with a castle on it.” Opening a brand new bank card may have a adverse short-term affect in your credit score rating, and poor bank card administration can have disastrous outcomes.
Using bank cards to earn rewards is solely a realistic technique when you can and pays the stability of the cardboard off in full every month. Otherwise, rates of interest totally negate any profit you could accrue from the cardboard. However, I’m not right here to lecture anybody, so I’ll reduce to the chase concerning whether or not I believe the Disney Chase Visa bank cards are price having.
Unlike cashback bank cards or these with extra versatile rewards, with the Disney Visa bank cards, you’ll be able to redeem these Reward Dollars just for purchases you make on the theme parks, on Disney Cruise Line, or varied different places just like the Disney Store or storeDisney.com. With the Premier card solely, you’ll be able to redeem Reward Dollars for airline tickets within the type of an announcement credit score.
When it involves reward {dollars}, the Disney Visas are usually not good bank cards for major use. Almost anybody with an affordable credit score rating is eligible for playing cards that supply higher returns, and are much less restrictive on the place you’ll be able to spend the rewards. There’s attract in pulling out a cool Disney card to pay for purchases and in having a part of your Disney trip “free” thanks to those rewards.
However, what’s the distinction between reward {dollars} particularly reserved for Disney and reward {dollars} which are usable elsewhere? If I get one other card that gives rewards at Lowe’s at a fee of two%, each $50 I may have earned in rewards through the use of the Disney Visa can be $100 at Lowe’s. Since I store at Lowe’s anyway, I can put aside the $100 I’d have paid in money at Lowe’s in a “Disney fund.”
$100 on your Disney journey actually ought to sound extra interesting than $50 on your Disney journey, even when the $50 is on a “special” Disney card. My level right here is that you just shouldn’t let the psychology of the Disney Reward Dollars being “reserved” for Disney make the cardboard overly-appealing. It could be a good bank card for Disney or for journey, but it surely’s not the end-all, be-all of bank cards.
This doesn’t imply that you just shouldn’t get a Disney Visa card. The Disney Visa bank cards are nice secondary or specialised use bank cards, specifically for individuals who are severe Disney followers. The actual good thing about the Disney Visa is the the multitude of different perks. The reductions on the parks, the non-interest for six months on Disney journeys, and character meet & greets all have their attract, as nicely.
Since we solely maintain the Disney Visa bank card for its different advantages and never rewards, we don’t have the Disney’s Premier Visa. However, we additionally often have 8 bank cards between us, and we cost little or no to our Disney Visa since we do most of our spending with higher performing playing cards. If you don’t count on to have many bank cards and assume you’ll be capable of hit the $4,900 threshold on the Disney Visa, we’d suggest getting that card.
Overall, the Chase Disney Visa presents enough advantages for many hardcore Disney followers to justify having one. It shouldn’t be your major bank card, although, however fairly one you retailer away in your pockets to function an extra line of credit score. For frequent guests of Walt Disney World or Disneyland, the perks alone can justify holding onto one among these Disney bank cards, and followers of the favored Free Dining deal at WDW can discover the Disney Visa invaluable in relation to reserving that promo.
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Your Thoughts
Do you may have a Disney Visa bank card? Which one, the Disney Rewards Visa or the Disney’s Premier Visa? Do you reap the benefits of the perks these bank cards supply at Walt Disney World or Disneyland? Agree or disagree with our recommendation and bank card suggestions? Any questions we may also help you reply? Hearing your suggestions–even if you disagree with us–is each attention-grabbing to us and useful to different readers, so please share your ideas under within the feedback!