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Disney Visa Card — Full Review [2024]

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Alex Miller
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Alex Miller

Founder & CEO

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Founder and CEO of Upgraded Points, Alex is a leader in the industry and has earned and redeemed millions of points and miles. He frequently discusses the award travel industry with CNBC, Fox Business...
Edited by: Stella Shon
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Stella Shon

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With a degree in media and journalism, Stella has been in the points and miles game for more than 6 years. She most recently worked as a Corporate Communications Analyst for JetBlue. Find her work in ...
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Kellie Jez

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Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...

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Disney® Visa® Card

Disney® Visa® Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
3
Learn More(at Chase's secure site)
  • $150

  • $0

  • 19.24% - 28.24% Variable

  • Good to Excellent (670-850)

Disney® Visa® Card

A straight 1% in Disney Rewards Dollars that can be redeemed for Disney tickets, merchandise, and other offerings makes this a Mickey fan's go-to card.

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
3
Learn More(at Chase's secure site)

For you and your family, vacation time is Disney time. In fact, Disney is #1 for you and your brood all year-round. You have the Mickey ears to prove it!

Lucky for you, the Disney® Visa® Card makes it simple to earn Disney Rewards Dollars that you can spend at Walt Disney World®, Disneyland®, shopDisney.com, and more.

Card Snapshot

Welcome Bonus & Info

  • Earn a $150 Statement Credit after you spend $500 on purchases in the first 3 months from account opening.
  • Earn 1% in Disney Rewards Dollars on all card purchases. There are no limits to the number of Rewards Dollars you can earn.
  • 0% promo APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 19.24% - 28.24%
  • 10% off select merchandise purchases at select locations and 10% off select dining locations most days at the Disneyland® Resort and Walt Disney World® Resort.
  • Save 10% on select purchases at DisneyStore.com
  • Member FDIC

Rewards Center

Disney Rewards

Customer Service Number

800-432-3117

Pros

  • Save 10% on select purchases at shopDisney.com when you use your Disney Visa Card
  • Receive 10% off select merchandise purchases at select locations at the Disneyland® and Walt Disney World® Resorts when you use your Disney Visa Card
  • Earn 1% in Disney Rewards Dollars on all your card purchases with no limits to the amount you can earn
  • No annual fee
  • Pose for special photos at private Cardmember locations at both parks and receive complimentary downloads of your photos
  • Receive a one-year complimentary DoorDash DashPash if activated by 12/31/24

Cons

  • Does not earn transferrable points to other travel partners
  • Has a foreign transaction fee

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Our seasoned and experienced team brings years of expertise in the credit card and travel sectors. Committed to integrity, we offer data-driven guides to help you find the card(s) that best fit your requirements. See details on our intensive editorial policies and card rating methodologies.

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Great Card If

  • You visit Disney Parks and vacation properties frequently
  • You make regular purchases at shopDisney.com
  • You would use the financing benefit on Disney vacation packages

Don’t Get If

  • You want a card with flexible redemption options
  • You want to earn a ton of points each month
  • You rarely take Disney vacations

Disney Card Benefits

Welcome Bonus Offer and Earning Disney Rewards Dollars

Earn a $150 Statement Credit after you spend $500 on purchases in the first 3 months from account opening. The welcome offer is great for a shopping trip at Walt Disney World Resort, Disneyland Resort, Disney Cruise Line, and other select locations.

With the card, get 1% Disney Rewards Dollars on all purchases, which will be worth $1 each. Unlike other credit cards, there’s no limit to the number of Disney Rewards Dollars you can earn!

Bottom Line: The Disney card comes with a decent welcome offer bonus and the opportunity to earn a flat 1% in Disney Rewards Dollars.

Tons of Disney Card Perks

Disney fans, check out all of the perks that come with the Disney card.

First, get 15% off select guided tours at Walt Disney World Resort and Disneyland Resort. Also, get 10% off select dining locations at both resorts. Cardholders also have the opportunity to pose for special photos at special cardholder locations at both resorts.

Love Disney merchandise? Get 10% off select merchandise purchases at select locations and shopDisney.com, too.

Cardholders will also get savings aboard a Disney Cruise Line when using their card to pay for select onboard purchases.

In addition, you’ll get a 0% promo APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 19.24% - 28.24%. That’s half a year to pay off the trip of a lifetime.

Bottom Line: Special discounts on Disney tours, merchandise, and dining, plus special photo opportunities make the Disney card a dream come true for Disney fans.

Other Benefits of the Disney Card

The card has no annual fee, unlike the more premium Disney® Premier Visa® card, which costs $49 per year.

That means you’ll start out ahead of the game earning Disney Rewards Dollars to redeem for almost everything Disney: DVDs, toys, movie tickets, and more! You can even redeem your Disney Rewards Dollars for Disney theme park tickets and services.

Of course, a true Disney fan wants everyone to know it. Show off your Disney style with your choice of 10 different Disney and Star Wars designs on your credit card.

Finally, for the traveling family, you’ll be glad to know that the card also comes with purchase protection, extended warranty on products, and baggage delay insurance to make sure a lost bag doesn’t ruin your trip!

Bottom Line: The Disney card comes at no annual fee, earns Disney Rewards Dollars that are redeemable for almost anything Disney-related, and has 10 different choices for card designs! You’ll also get a few insurance options, like baggage delay coverage.

Best Way To Redeem Disney Rewards Dollars

Before you can redeem your Disney Rewards Dollars, you’ll need to order a Disney Rewards Redemption Card. It’s a reloadable card that holds your Disney Rewards Dollars until you are ready to spend them.

Redeeming Disney Rewards Dollars

One Disney Rewards Dollar is equal to $1 when you redeem it for Disney products and offerings. Whether you redeem for a $109 Walt Disney World Park ticket or a $55.95 Star Wars costume, Disney Rewards Dollars are always worth $1 each.

You do have quite a few options for using your Disney Rewards Redemption Card, whether purchasing a voucher or vacation rewards. However, all of your redemption options are of course Disney-related.

Consider it a great way to budget your spending, or to give your kids a gift that makes them feel like they have their own money to spend!

Disney Vacation Rewards

Disney Rewards Dollars can also be redeemed for hotel stays at Disney Resorts, seasonal park passes, Disney Cruise Line spa experiences, souvenirs, and much more.

Use your Disney Rewards Dollars to cover the full value of your Disney reward or a portion of the cost. Check out this list of locations where you can redeem your Disney Rewards Dollars.

Best Way To Maximize Disney Rewards Dollars

You are limited in the number of ways you can maximize your Disney Rewards Dollars.

The more you use the card, the more Disney Rewards Dollars you will accumulate. But don’t go overboard with your spending to increase your Disney Rewards Dollars balance! Any interest accrued on a balance you can’t pay off will always offset rewards earned.

Alternatives to the Disney Card

Disney® Premier Visa® Card

Disney® Premier Visa® Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

2% back Disney Rewards Dollars at Disney, gas stations, grocery stories, and restaurants means more rewards dollars for Disney fans.

Learn More(at Chase's secure site)
2% back Disney Rewards Dollars at Disney, gas stations, grocery stories, and restaurants means more rewards dollars for Disney fans.
Earn a $300 Statement Credit after you spend $1,000 on purchases in the first 3 months from account opening.
$300
$49
19.24% - 28.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

Mickey and his friends are like part of the family. Your kids can recite the words to everything from Aladdin to Toy Story. And there’s no question where you’re going on Spring Break (Space Mountain, anyone?).

As a premier Disney fan, you always have the Disney® Premier Visa® Card on hand. It earns you cash back and discounts at Walt Disney World, Disneyland, and more.

Pros
  • Save 10% on select purchases at shopDisney.com when you use your card
  • Earn 5% in Disney Rewards Dollars on purchases at DisneyPlus.com, Hulu.com, or ESPNPlus.com
  • Earn 2% in Disney Rewards Dollars on card purchases at gas stations, grocery stores, restaurants, and most Disney U.S. locations
Cons
  • Does not earn transferrable rewards
  • Has a foreign transaction fee
  • Earn a $300 Statement Credit after you spend $1,000 on purchases in the first 3 months from account opening.
  • Earn 5% in Disney Rewards Dollars on card purchases made directly at DisneyPlus.com, Hulu.com or ESPNPlus.com. Earn 2% in Disney Rewards Dollars on card purchases at gas stations, grocery stores, restaurants and most Disney U.S. locations. Earn 1% on all your other card purchases. There are no limits to the number of Rewards Dollars you can earn.
  • Redeem Rewards Dollars for a statement credit toward airline purchases.
  • 0% promo APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 19.24% - 28.24%
  • 10% off select merchandise purchases at select locations and 10% off select dining locations most days at the Disneyland® Resort and Walt Disney World® Resort.
  • Save 10% on select purchases at DisneyStore.com
  • Member FDIC
Financial Snapshot
  • APR: 19.24% - 28.24% Variable
  • Foreign Transaction Fees: None
Rewards Center

Disney Rewards

If you love Disney but want a little more flexibility when it comes to redeeming your Disney Rewards Dollars, you might consider the Disney Premier card. In addition to Disney benefits, it allows you to redeem Disney Rewards Dollars for airline tickets.

This card has a $49 annual fee, but you’ll earn 2% in Disney Rewards Dollars on restaurants, supermarkets, gas stations, and Disney purchases, and 5% in Disney Rewards Dollars on card purchases made directly at DisneyPlus.com, Hulu.com, or ESPNPlus.com.

Bottom Line: The Disney Premier card offers 2 ways to spend your Disney Rewards Dollars: on Disney products and services or for airfare. The Disney card only allows you to redeem your Disney Rewards Dollars for Disney products and services.

Cash-Back Cards

If you aren’t going to be using the Disney perks, you can also consider other cash-back cards entirely, such as the Citi® Double Cash Card, Blue Cash Everyday® Card from American Express, or the Capital One Quicksilver Cash Rewards Credit Card.

The information regarding the Capital One Quicksilver Cash Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Citi Double Cash® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of the Blue Cash Everyday® from American Express, click here.

Frequently Asked Questions

Is it worth it to get the Disney card?

Disney fans will enjoy 1% in Disney Rewards Dollars on all purchases that can be redeemed for Disney Rewards Dollars.

You can use your Disney Rewards Dollars for Disney merchandise and vacation rewards.

What are the benefits of the Disney card?

There are many perks that come with the Disney card, such as special photo opportunities at exclusive cardmember locations at both resorts. Plus, you’ll get complimentary downloads of your photos.

You also get 10% off select purchases at Disney Store and shopDisney.com, as well as 10% off select dining and merchandise at Walt Disney World and Disneyland.

Where can I get the Disney card?

Apply for the card at DisneyRewards.com.

Where can the Disney card be used?

The card can be used for all of your everyday purchases. You can then use your Disney Rewards Dollars for redemptions on Disney products.

Your Disney Rewards Dollars redemption has to be in increments of $20, and it will be put onto a prepaid gift card that you can use at any Disney-owned property or store.

Is there an annual fee on the Disney card?

No. There is no annual fee.

What are Disney Rewards Dollars?

Disney Rewards Dollars are the currency you can use toward Disney products or offerings. One Disney Rewards Dollar is equal to $1 when you redeem them.

Before using Disney Rewards Dollars, you must load them to a Disney Rewards Redemption Card.

When do Disney Rewards Dollars post to your account?

Disney Rewards Dollars post to your account at the end of the billing cycle in which they accrued.

Where do I redeem Disney Rewards Dollars on my Disney Rewards card?

You redeem Disney Rewards Dollars by requesting a Disney Rewards Redemption Card.

The Disney Rewards Redemption Card holds your Disney Rewards Dollars so you can use them at Disney theme park ticket booths, Disney resorts, Disney cruise lines, and more.

Once you have 20 Disney Rewards Dollars, you can order a Redemption Card by calling 800-300-8575. You can also order them online or at Disney parks.

When do Disney Rewards Dollars expire?

Your Reward Dollars on your account expire 60 billing cycles after the billing cycle in which they first posted to your monthly billing statement.

Which Disney credit card is best?

There are 2 major differences between the Disney card and the Disney Premier card: annual fee and Disney Reward Dollars earnings.

While the Disney card has no annual fee, the Disney Premier card costs $49 per year. It also earns 2% Disney Rewards Dollars at restaurants, supermarkets, and gas stations, rather than a flat 1%.

Both cards provide access to special photo opportunities and a 10% merchandise discount.

Does the Disney card have a 0% APR offer?

No. However, the card does offer a finance offer on select Disney vacation packages.

Does the Disney card have a foreign transaction fee?

Yes, there is a 3% foreign transaction fee.

What is the Disney card login?

Log in to your account at chase.com.

Alex Miller's image

About Alex Miller

Founder and CEO of Upgraded Points, Alex is a leader in the industry and has earned and redeemed millions of points and miles. He frequently discusses the award travel industry with CNBC, Fox Business, The New York Times, and more.

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