Disney Visa Card — Full Review [2022]

Name: Disney Visa Card — Full Review [2022]
Item: Disney Visa Card
Rating: 3
Author: Alex Miller

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"Stock up on Disney Rewards Dollars"

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.

Alex Miller

- Updated: October 8, 2022|

6Comments

The information for the Disney® Visa® Card has been collected independently by Upgraded Points. The card details on this page have not been reviewed or provided by the card issuer

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, Disney Store, and more.

Disney Card — Snapshot

Welcome Bonus & Info (Partner Content)
- 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 your card purchases with no limits to the amount you can earn.
- Enjoy 0% promotional APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 16.24%–25.24%.
- Save 10% on select purchases at shopDisney.com when you use your Disney Visa Card.
- Receive 10% off select merchandise purchases of $50 or more at select locations at the Disneyland^® and Walt Disney World^® Resorts when you use your Disney Visa Card.
- 15% off the non-discounted price of select guided tours at the Disneyland^® and Walt Disney World^® Resorts when you use your credit card to purchase.
- Pose for special photos at our private Cardmember locations at Walt Disney World^® Resort and the Disneyland^® Resort. Your complimentary photo downloads will be digitally enhanced with Disney or Star Wars Characters appearing right next to you.
Card Categories:
- Credit Card Reviews
- Credit Cards with No Annual Fee
Rewards Center
Disney Rewards
Customer Service Number
800-432-3117
Login Link
https://www.chase.com/

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 — Fees

Foreign Transaction Fees
3% of the amount of each transaction in U.S. dollars.
Interest Rates
- 16.24% - 25.24% Variable
Late fees ?
- Up to $40
- Penalty APR: Up to 29.99% Variable
Balance Transfers
- 16.24% - 25.24% Variable
- Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Cash Advance APR
- 27.24% Variable
- Fee: Either $10 or 5% of the amount of each transaction, whichever is greater.

The Ideal Cardholder

Wondrous Journeys at Disneyland — For the Disney-loving family, the Disney card can provide extra value and perks that make your trips much more valuable! Image Credit: Disney

Sign-up Bonus and Earning Disney Rewards Dollars

Enjoy a $150 statement credit after spending $500 on purchases in the first 3 months of account opening. The welcome bonus 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 sign-up 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 of $50 or more 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% APR for 6 months on select Disney vacation packages! 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 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 Maximize Disney Rewards Dollars

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

Obviously, 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.

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.

This is very similar to the American Express Serve® Card.

Redeeming Disney Rewards Dollars

1 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!

Vouchers for Disney Merchandise

Get vouchers for Disney DVDs, games, toys, and music. The vouchers come in denominations of $10 (toys, music, books, and games) and $15 (DVD and Disney Blu-ray). They expire 1 year from the month during which they were purchased.

Movie vouchers are good for admission to Disney movies. Each voucher can be redeemed for 1 admission to a Walt Disney Pictures or Star Wars movie playing at participating theaters.

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.

Family at Pixar Pier entrance — No matter how you decide to redeem your Disney Rewards Dollars, you will have the opportunity to create some fun memories for yourself or your family! Image Credit: Disney

Alternatives to the Disney Card

Disney® Premier Visa® Card

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 Disney® Premier Visa® card, American Express Serve® Card, and Capital One Quicksilver Cash Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Featured Image Credit: Chase

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 and Star Wars 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 purchases of $50 or more 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. 1 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?

About Alex Miller

Alex has been traveling for over 25 years and from a young age was lucky enough to set out on numerous family trips all over the world, which gave him the travel bug. Alex has since earned tens of millions of travel points and miles, mainly through maximizing every opportunity to earn the most points possible on each dollar spent.

Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.

6 comments

Ellen December 2, 2020
Can any of the Disney cards be used in any place that accepts Visa? Not just Disney themed establishments?
Reply
- Katie Seemann December 3, 2020
  Hi Ellen,
  Yes, Disney credit cards will be accepted anywhere that accepts Visa cards.
  Reply
Brad December 27, 2020
We tried using our Chase Rewards when purchasing Christmas gifts. Our rewards card totaled approximately $171. We had our personal bank card and the rewards card listed when we purchased our items through Disney.com. When we purchased the items we have no idea if the rewards money will be actually applied. When checking our bank account the entire amount was charged to our personal bank card. I was on the phone for over an hour trying to figure out what happened. Not Chase nor Disney would get this resolved. Disney is saying that it is Chase’s fault while Chase is saying it was Disney’s fault. Since these gifts were for my grandchildren, then I couldn’t return all of the products. This is a huge problem and I would tell anyone to be cautious when purchasing any more products from Disney. I will never buy something again from Disney. When the issue is not a result of the consumer, and the companies will not help or resolve the issue, then this is not a good business practice. I will not do business with companies that do not take care of the people who keep them in business.
Reply
Randall Forester April 12, 2021
I have a disputed charge on my credit card–there was a rebill and the vendor put a decimal in the wrong place a second time (1000.05 v 1005). I’ve been disputing this since January–asking Chase Disney Visa to remove one charge and to leave the other in place. They refuse to contact the vendor, to complete the transaction properly, or to remove both charges so I may pay the vendor in an alternative manner. During this process, Chase has dropped calls and not called me back. One representative wrote in his notes a misrepresentation–if not an outright lie–about my wishes. Chase Disney supervisors have not called me and no one will give me the phone number to contact them–they have the audacity to give me a window when I may receive a phone call that is between 24 and 48 hours. Three times in a row, the supervisor called my house landline instead of my cell number which I requested each time. Chase Disney has demonstrated that they have no desire to meet my needs and that they do not care about me and the years I have been a customer.
Reply
Carole Ann Johnson May 26, 2022
Yes, when we applied for the Disney card we asked that my wife also receive a card in her name. Well we received the card today and its in my husband name we have been trying to have my wife have a card also for when I am not with her. What a mess to try to have this done we went through 5 calls with reps and even security and they said they would call us back. Why can I not get my wife a card with her name on it?
Reply
- Chris Hassan May 27, 2022
  Hi there,
  You can add an authorized user directly on Chase.com. Simply log into your account and add it to your account.
  Reply