All information about the Disney® Visa® Card has been collected independently by CardCritics™
Disney Visa Card Review: Modest Rewards With Disney-Focused Perks
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Written by
Cynthia Measom
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Edited by
Jasmin Baron, CCC™
The Disney® Visa® Card is a no-annual-fee credit card that earns 1% in Disney Rewards Dollars on all purchases. The earning rate is weaker than that of most travel rewards credit cards, and while it may not be one of the best Chase credit cards, its Disney-specific perks can add value for loyal Disney customers.
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Purchase and Balance Transfer APR
18.24% – 27.74% Variable
Intro Bonus
Get a $100 Disney Gift Card eGift to use today upon approval + earn a $50 statement credit after you spend $500 on purchases in the first 3 months from account opening
Cash Back
1% Earn 1% in Disney Rewards Dollars on all card purchases. There are no limits to the number of Rewards Dollars you can earn.
Recommended Credit Score
Good – Excellent
670 – 850*
Annual Fee
$0
CardCritics™ Opinion
For lovers of all things Disney, the Disney Visa Card is worth considering primarily for its brand-specific perks, such as shopping and dining discounts, rather than its modest 1% rewards rate. Additionally, Disney Rewards Dollars can be redeemed only for Disney goods and services, making the card less flexible than standard cash-back credit cards.
Our Critical Analysis:
Disney® Visa® Card
- Welcome bonus
- Disney-wide rewards redemption and perks
- Simple earning structure
- No annual fee
PROS
- Low rewards rate
- Limited rewards redemption options
- Charges foreign transaction fees
- Intro APR offer only applies to select Disney vacation packages
CONS
Disney Visa Benefits
Welcome Bonus
The Disney Visa offers a two-part welcome bonus totaling $150 in value: Get a $100 Disney Gift Card eGift to use today upon approval + earn a $50 statement credit after you spend $500 on purchases in the first 3 months from account opening. Allow up to eight weeks for the credit to appear on your statement.
I received my $100 Disney Gift Card e-gift by email within hours of approval for the Disney Visa. I used it at the online Disney Store to purchase a Walt Disney World Spirit Jersey as a gift for a friend. I also earned the $50 statement credit by making the required spend within the first three months. It took about six weeks to receive the credit.
Disney-Wide Rewards Redemption
You can redeem Disney Rewards Dollars for almost all Disney goods and services in the U.S., including Disney shopping and dining, and Disney theme park and resort stays, with no blackout dates. Cardholders can also use Pay Yourself Back to redeem Rewards Dollars for a statement credit for select U.S. Disney purchases made with the Disney Visa.
Special Financing
The card also offers 0% APR financing for six months on select Disney vacation packages (then 18.24% – 27.74% Variable).
If you plan ahead, this financing deal can help you manage the expenses for a Disney vacation. I’ve been to Walt Disney World before, but I’m now planning a Disney vacation to Aulani this spring. Aulani is offering 25% to 35% off four- and five-night stays between April 10 and June 12, depending on room view. I have about half of the trip cost saved and plan to use my Disney Visa to finance the rest. With the six-month 0% APR period, I can pay it off before interest applies.
Disney-Specific Perks
One of the biggest benefits of the Disney Visa Card is its multiple perks. When using their Disney Visa, cardholders can save 10% off at select Disneyland or Walt Disney World Resort merchandise and dining locations. They can also save 15% off the regular price of select guided tours at Disneyland or Walt Disney World Resort.
Cardholders are also eligible for exclusive photo opportunities with digital or physical Disney characters at Disneyland and Walt Disney World’s private cardmember locations. Additionally, cardholders who shop at DisneyStore.com can save 10% on select purchases when using their Disney Visa Card.
No Rewards Categories or Opt-Ins
Another advantage of the Disney Visa is that it doesn’t have any categories or opt-ins to manage to earn rewards. Instead, it offers a flat rewards rate on all purchases, allowing cardholders to spend and earn without having to track bonus categories.
No Annual Fee
The card’s $0 annual fee adds to its overall value, making it easier to earn rewards without incurring an additional cost.
Disney Visa Drawbacks
Low Rewards Rate
Compared with other rewards credit cards, the Disney Visa’s flat rewards rate of 1% is low. I have a Synchrony Premier World Mastercard® and a Wells Fargo Active Cash® Card, both of which offer 2% unlimited cash rewards. I also have other cards, such as the Discover it® Cash Back, that offer 5% cash back on rotating categories after activation (up to $1,500 in combined category spending per quarter, then 1%), plus 1% on all other purchases.
Limited Rewards Redemption
Another potential issue with the Disney Visa is that rewards can be redeemed only for Disney goods and services or for a statement credit toward eligible Disney purchases. If you’re looking for a cash-back credit card, this isn’t it.
Limited Intro APR
Not only does the 0% APR offer last only six months (after which the card’s regular 18.24% – 27.74% Variable APR kicks in), but it is also available only when you finance select Disney vacation packages. Other purchases don’t qualify for this special financing rate.
Foreign Transaction Fees
Most no-annual-fee travel credit cards waive foreign transaction fees, but the Disney Visa is an exception — it adds a foreign transaction fee of 3% to international purchases. If you travel abroad, consider one of the best no-foreign-transaction-fee credit cards instead.
Who Is the Disney Visa Card Best For?
The Disney Visa Card is best for people who frequently spend on Disney goods and services and want to earn rewards redeemable for future Disney purchases without paying an annual fee. This includes those who visit Disney theme parks or resorts, families planning a Disney vacation or those who shop at DisneyStore.com. It’s also a good fit for people who value Disney-specific perks, special financing, an intro APR on select vacation packages, and exclusive experiences (such as shopping and dining discounts and photo opportunities with Disney characters) over a high rewards rate.
Is It the Right Card for You?
The Disney Visa may be a good fit if any of the following apply:
- You don’t want to pay an annual fee
- You value Disney-specific perks, such as discounts on shopping, dining and guided tours or exclusive character photo opportunities
- You plan to take a Disney vacation and are interested in the card’s introductory financing offer
- You value rewards that are redeemable for Disney goods and services
Keep in mind that Chase issues two other Disney co-branded cards: the $49-annual-fee Disney® Premier Visa® Card and the new $149-annual-fee Disney® Inspire Visa® Card. Both of these cards offer better welcome offers and earning rates, and come with more robust perks.
Alternatives to the Disney Visa Card
When considering a new credit card, comparing similar options can ensure the right fit.
- Citi Double Cash® Card: The no-annual-fee Citi Double Cash Card, an advertising partner, offers unlimited 2% cash back (1% when you make a purchase, and 1% when you pay it off) with no categories or opt-ins to hassle with. The card also offers a respectable welcome bonus: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Capital One Savor Cash Rewards Credit Card: The no-annual-fee Capital One Savor Card offers 3% cash back on dining, groceries, entertainment and select streaming services, plus 1% cash back on all other purchases. Cardholders can earn a $200 welcome bonus after spending $500 on purchases in the first three months of account opening.
Card Details From Chase
- Get a $100 Disney Gift Card eGift to use today upon approval + earn a $50 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 18.24% – 27.74%
- 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
How Does the Disney Visa Stack Up Against Competitors?
Here’s a quick look at how the Disney compares to two of its competitors.
| Disney Visa Card | Citi Double Cash Card | Capital One Savor Card | |
| Welcome Bonus | Get a $100 Disney Gift Card eGift to use today upon approval + earn a $50 statement credit after you spend $500 on purchases in the first 3 months from account opening | Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. | Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening |
| Annual Fee | $0 | $0 | $0 |
| APR | 18.24% - 27.74% Variable | 0% Intro APR on balance transfers for 18 months, then 17.49% - 27.49% (Variable). A 17.49% - 27.49% (Variable) APR will apply for purchases. | 0% intro on purchases and balance transfers for 12 months, then 18.49% - 28.49% (Variable) |
| Rewards Rate | Earn 1% in Disney Rewards Dollars on all card purchases. There are no limits to the number of Rewards Dollars you can earn. | Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel. | Earn 8% cash back on Capital One Entertainment purchases. Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel. Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases. |
| Standout Feature | Disney-exclusive perks | Long intro APR on balance transfers | Uncapped 3% cash back categories |
Frequently Asked Questions About the Disney Visa Card
Is the Disney Visa Chase Card worth it?
The Disney Visa Chase card can be worth it if you don’t want to pay an annual fee and value discounts on Disney dining and shopping, would take advantage of promotional financing on select Disney vacations, and want to earn rewards that are redeemable for Disney goods and services.
What are the disadvantages of the Disney Visa Card?
One disadvantage of the Disney Visa Card is its 1% rewards rate, which is lower than that of competitors’ cards, including the best travel credit cards. Another is that the intro APR on select Disney vacations is limited to six months, which might not be enough time to pay off an expensive trip.
Is the Disney credit card hard to get?
To be eligible for the Disney Visa, you must have a permanent U.S. address. Although Chase doesn’t disclose the exact credit score required, you’ll have the best chance of being approved for the card with a good credit score or higher (670 or above on FICO’s scale).
What are the benefits of having a Disney credit card?
The main benefits of having a Disney credit card are the Disney-specific discounts, perks and special vacation financing.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics™ references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.
