Honest Disney® Visa® Card Review: Is It Worth It?

Inside Disney® Visa® Card

Disney® Visa® Card Review: Earn Rewards & Get Exclusive Disney Perks

If you’re a Disney fan and love getting rewards for your purchases, the Disney® Visa Card® from Chase might be just the credit card you’ve been waiting for. This card not only lets you earn Disney Rewards Dollars on your purchases but also unlocks a world of special perks, exclusive discounts, and financial benefits that make it even easier to enjoy your favorite Disney experiences.

In this detailed review, we’ll explore the Disney Visa Card’s benefits, how to earn and redeem Disney Rewards, the 0% APR vacation financing, and all the other important features that make this card a great choice for Disney lovers.

What is the Disney® Visa® Card?

The Disney® Visa® Card, issued by Chase, is a co-branded credit card that gives cardholders access to a range of Disney Visa Card benefits, such as earning Disney Rewards Dollars, receiving exclusive discounts, and getting access to special vacation financing options. If you’re a frequent shopper at Disney Store, visiting Disneyland® Resort, or planning a trip to Walt Disney World® Resort, this card can offer substantial rewards that you can use toward your favorite Disney experiences.

With this card, you earn 1% in Disney Rewards Dollars on all eligible purchases. Additionally, the card provides multiple perks, including discounts on Disney merchandise, dining, and even vacation financing for Disney trips. There’s also no annual fee, making it an affordable option for Disney fans.

Card Highlights

Earn 1% in Disney Rewards Dollars on all purchases with the Disney Visa Card.
There is no annual fee for the Disney Visa Card.
Get a $200 statement credit after spending $500 in the first 3 months.
Enjoy 0% APR for 6 months on select Disney vacation packages.
Save 10% on select purchases at DisneyStore.com and Disney locations.
Receive 10% off select merchandise at Disneyland® and Walt Disney World® Resorts.
10% off select dining at Disney parks with the Disney Visa Card.
Access special vacation financing for Disney trips.
Earn up to 500 Disney Rewards Dollars per year by referring friends.
Get purchase protection for 120 days on eligible new purchases.
Enjoy extended warranty protection on eligible purchases.
Baggage delay insurance is up to $100 per day for up to 3 days.
No block-out dates when redeeming Disney Rewards Dollars.
Redeem Disney Rewards Dollars for Disney park tickets, resort stays, and merchandise.
Get access to private photo opportunities with Disney and Star Wars characters.
Card designs feature characters like Mickey Mouse, Groot, and Maleficent.
Credit card protection benefits when using the Disney Visa Card for purchases.
Refer friends and earn 100 Disney Rewards Dollars per approved friend (up to 500/year).

Rates and Fees of Disney® Visa® Card

APR: 18.24%–27.24% variable APR for regular purchases.
Introductory APR: 0% promotional APR for 6 months on select Disney vacation packages.
Annual Fee: $0 for the Disney Visa Card.
Cash Advance APR: 29.99% variable APR.
Cash Advance Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction Fee: None. Enjoy no extra cost for international purchases.
Late Payment Fee: Up to $40.
Returned Payment Fee: Up to $40.
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Over-the-limit Fee: None.
Minimum Interest Charge: $1.50.
Statement Credit: Get a $200 statement credit when spending $500 in the first 3 months.
Credit Plan Fees: Fixed monthly payments for eligible purchases in the Chase Pay Over Time program.

See Full Rates and Fee

Key Features of the Disney® Visa® Card

Earn Disney Rewards Dollars

One of the best features of the Disney Visa® Card is its Disney Rewards Program. You earn 1% in Disney Rewards Dollars for every purchase. For every $100 spent, you earn $1 in Disney Rewards Dollars, redeemable at Disney locations.

Unlike other cards, it offers unlimited earnings with 1% on all purchases. Whether buying merchandise, fueling up, or dining, you’ll accumulate rewards for Disney experiences.

$200 Statement Credit Offer for New Card Members

For new card members, the Disney Visa Card offers a $200 statement credit when you spend $500 or more within the first 3 months of account opening. This is a great welcome bonus that allows you to immediately benefit from the card and start accumulating rewards from day one.

This Disney Visa Card Offer is available to individuals who haven’t had the card in the past 24 months and provides a significant boost to your rewards balance. With this statement credit, you can start your Disney journey with Disney Rewards Dollars in hand.

Disney Visa Card Discounts and Savings

The Disney Visa Card offers a range of Disney Visa cardholder perks designed to help you save money on Disney products and services.

Shopping Discounts: When you use your Disney Visa Card to shop, you’ll enjoy 10% off select purchases at DisneyStore.com and select Disney locations. This can add up quickly, especially if you’re buying Disney merchandise or gifts for loved ones.
Vacation Discounts: For those planning a Disney vacation, the Disney Visa Card offers 0% promotional APR for 6 months on select Disney vacation packages. This is an excellent way to pay for a Disney vacation over time without worrying about interest for the first six months.

Additionally, suppose you use your Disney Visa Card to pay for Disney park tickets. In that case, Disney resort stays, or even guided tours at Disneyland® Resort or Walt Disney World® Resort, you can receive 10% off select purchases at Disneyland® Resort and Walt Disney World® Resort.

Dining Discounts: If you plan to dine at any of the Disney parks or resorts, using your Disney Visa Card can earn you 10% off select dining locations at Disneyland® Resort and Walt Disney World® Resort. This is an amazing benefit, especially when dining in Disney’s more expensive restaurants.

Disney Visa Card Referral Program

The Disney Visa® Card offers a referral program where cardholders earn Disney Rewards Dollars for referrals. For each approved referral, you earn 100 Disney Rewards Dollars, up to 500 per year. This is a great way to boost rewards if you know other Disney fans.

Disney Visa Card Travel Protection and Purchase Protection

The Disney Visa Card offers multiple travel protection benefits and purchase protection to ensure you are covered while enjoying Disney vacations or shopping.

Baggage Delay Insurance: If your baggage is delayed for more than six hours, the Disney Visa Card offers up to $100 per day for up to three days to cover necessary purchases like toiletries and clothing.
Purchase Protection: The Disney Visa Card offers purchase protection on eligible purchases. It provides coverage against damage or theft for up to 120 days from the purchase date, with a claim limit of $500 per item.
Extended Warranty Protection: You also get extended warranty protection on eligible purchases, extending the manufacturer’s warranty period by an additional year (for warranties of 3 years or less).

Disney Visa® Card Designs

The Disney Visa® Card Designs allow you to showcase your love for Disney in a personalized way. Choose from several design options featuring beloved Disney characters, such as Mickey and Minnie Mouse or Disney Princesses. Each design adds a magical touch to your everyday purchases.

Along with their appealing designs, these cards come with valuable benefits. Cardholders earn Disney Rewards Dollars on all purchases, which can be redeemed for Disney merchandise, park tickets, dining, and resort stays. New cardholders can enjoy a $200 statement credit after meeting the spending requirement within the first few months.

The Disney Visa® Card offers more than just a unique design. It provides exclusive discounts and benefits at Disney locations, both online and at Disney parks. This card is perfect for Disney fans looking to enjoy perks while shopping for their favorite Disney products or planning a vacation.

Choose one of the unique Disney Visa® Card designs today and add a touch of magic to your wallet.

How to Earn Disney Rewards Dollars with the Disney Visa Card?

The Disney Rewards Dollars you earn with the Disney Visa Card can be redeemed for a variety of Disney-related rewards. Here’s how you can make the most of your card:

Everyday Purchases: You’ll earn 1% in Disney Rewards Dollars on every purchase, whether it’s a trip to the store, your morning coffee, or a Disney-related expense.
No Limits on Earning: There’s no cap on how much you can earn with the Disney Rewards Program, making it an excellent option for regular spenders. Every purchase you make brings you one step closer to redeeming rewards for your dream Disney vacation or exclusive merchandise.
Special Purchases: Certain Disney Visa Card benefits include extra earning potential, especially when making purchases related to Disney experiences. For example, when booking Disney vacation packages or buying Disney theme park tickets, the rewards you earn can help fund future trips or experiences.

How to Redeem Disney Rewards Dollars at Disney Parks?

Once you’ve accumulated enough Disney Rewards Dollars, you can redeem them for a wide range of Disney-related experiences. These include:

Disney Theme Park Tickets: Use your Disney Rewards Dollars to purchase tickets for entry to Disneyland® Resort and Walt Disney World® Resort.
Resort Stays: If you’re planning to stay at a Disney Resort, you can redeem your Disney Rewards Dollars to offset the cost of the room or services.
Merchandise: Redeem your rewards for exclusive Disney merchandise from locations like DisneyStore.com or on-site at the parks.
Dining: Your Disney Rewards Dollars can also be used for meals at select Disney dining locations.

Comparison of Disney® Visa® Card vs. Disney® Premier Visa® Card vs. Marriott Bonvoy Bold® Card vs. IHG One Rewards Premier Business Card

When choosing a rewards card, compare key features, benefits, and offers. Each card caters to different needs, from Disney lovers to frequent travelers. Below is a side-by-side comparison of these four cards.

Comparison of Disney® Visa® Card vs.Disney® Premier Visa® vs.Marriott Bonvoy Bold® Card vsIHG One Rewards Premier Business Card

Feature	Disney® Visa® Card	Disney® Premier Visa® Card	Marriott Bonvoy Bold® Credit Card	IHG One Rewards Premier Business Credit Card
Sign-up Bonus	$150 Statement Credit	$300 Statement Credit	60,000 Bonus Points + 1 Free Night	140,000 Bonus Points
Minimum Spend for Bonus	$500 in first 3 months	$1,000 in first 3 months	$2,000 in first 3 months	$4,000 in first 3 months
Rewards Rate	1% on all purchases	5% on Disney purchases, 2% on select, 1% on all	2X points at Marriott, 1X on others	Up to 26X at IHG Hotels, 1X on others
Annual Fee	$0	$49	$0	$99
APR	18.24%–27.24% variable	18.24%–27.24% variable	20.49%–27.49% variable	19.99%–28.49% variable
Intro APR for Vacation	0% for 6 months on Disney vacation packages	0% for 6 months on Disney vacation packages	None	None
Bonus Categories	Disney Rewards Dollars for Disney purchases	Disney Rewards Dollars for Disney purchases	14X points at Marriott Hotels	26X points at IHG Hotels
Additional Perks	10% off Disney Store and resorts	10% off Disney Store and resorts	Free Night Award up to 50,000 points	140,000 bonus points

Comparison Analysis

Disney® Visa® Card: The Disney® Visa® Card offers a simple rewards structure, earning 1% on all purchases. It has no annual fee and a $200 sign-up bonus with a low minimum spend of $500.
Disney® Premier Visa® Card: The Disney® Premier Visa® Card provides more rewarding benefits with 5% back on Disney-related purchases and a $300 sign-up bonus. It has an annual fee of $49 but offers a broader range of rewards.
Marriott Bonvoy Bold® Credit Card: This card gives you access to Marriott Bonvoy® points, with up to 14X points at Marriott properties and 60,000 bonus points upon spending $2,000 in the first 3 months. There is no annual fee.
IHG One Rewards Premier Business Credit Card: This card is aimed at business travelers and offers up to 26X points at IHG hotels. It has an annual fee of $99 but offers 140,000 bonus points after spending $4,000 in the first three months.

Which Card is Worth Buying?

If you’re a Disney fan, the Disney® Visa® Card offers no annual fee and Disney Rewards Dollars. For higher rewards on Disney purchases, consider the Disney® Premier Visa® Card. For frequent travelers, the Marriott Bonvoy Bold® Credit Card and IHG One Rewards Premier Business Credit Card offer great rewards and benefits.

Why You Might Think About A Different Credit Card Than Disney® Visa® Card

The Disney® Visa® Card offers various benefits tailored for Disney fans, such as discounts at Disney parks and stores and earning Disney Rewards Dollars on purchases. However, it might not be the best fit for everyone. While it’s an excellent choice for Disney lovers, other credit cards offer broader rewards or better perks in certain categories.

Credit Card	Annual Fee	Welcome Bonus	Rewards
Chase Sapphire Preferred® Card	$95	60,000 points after spending $4,000 in first 3 months.	5x points on travel via Chase Travel, 3x on dining and select streaming, 2x on other travel, 1x on all else.
American Express® Gold Card	$250	60,000 points after spending $6,000 in first 6 months.	4x points at U.S. supermarkets (up to $25,000/year) and restaurants, 3x on flights booked directly or via Amex Travel.
Capital One Venture Rewards Credit Card	$95	75,000 miles plus a $250 travel credit after spending $4,000 in first 3 months.	5x miles on hotels and rental cars via Capital One Travel, 2x on all other purchases.
Disney® Visa® Card	$0	$0 (No intro bonus)	1% Disney Rewards Dollars on all purchases, 10% off select merchandise and dining at Disney locations.

If you’re considering a credit card but find the Disney® Visa® Card appealing, it’s important to weigh the benefits against other options. Here are some reasons why you might choose a different card:

Limited Rewards Flexibility
The Disney® Visa® Card offers 1% Disney Rewards Dollars on all purchases. While this is perfect for Disney enthusiasts, the rewards are mostly limited to Disney-related expenses. If you’re looking for a more versatile rewards program, cards like the Chase Sapphire Preferred® Card offer 2x to 5x points on a broader range of categories, including travel and dining.
Higher Earning Potential Elsewhere
The American Express® Gold Card earns 4x points at U.S. supermarkets (up to $25,000 per year) and 3x on flights booked directly or via Amex Travel. If you spend heavily on groceries or travel, you’ll earn significantly more rewards with this card compared to the Disney® Visa® Card.
Better Travel Benefits
If you prioritize travel rewards, the Capital One Venture Rewards Credit Card might be a better fit. It offers 5x miles on hotels and rental cars booked through Capital One Travel and 2x miles on all other purchases. This is far more beneficial if you’re a frequent traveler compared to the Disney® card’s limited earning potential.
Bonus Offers
The Disney® Visa® Card doesn’t provide an introductory bonus, which makes it less appealing compared to other cards, such as the Chase Sapphire Preferred® Card, which offers 60,000 bonus points after meeting spending requirements. Those points can be transferred to travel partners for even greater value.

In short, while the Disney® Visa® Card is a great choice for Disney fans, other cards offer higher earning potential, better travel rewards, and more flexibility, depending on your spending habits.

Frequently Asked Questions (FAQs)

What is the Disney Visa Card?

It is a credit card issued by Chase that earns Disney Rewards Dollars for every purchase. It also offers added benefits like vacation financing and exclusive Disney discounts.

How can I earn Disney Rewards Dollars?

You earn 1% in Disney Rewards Dollars on every purchase made with the Disney Visa Card, with unlimited earning potential and no cap.

How do I redeem Disney Rewards Dollars?

They can be redeemed for Disney Theme Park tickets, Disney Resort stay merchandise, and dining experiences.

What are the Disney Visa Card benefits?

The Disney Visa Card provides 10% off select purchases, 0% APR vacation financing, and travel and purchase protection.

How does the Disney Visa Card referral program work?

You can earn 100 Disney Rewards Dollars for every friend you refer who gets approved for the Disney Visa Card, up to 500 Disney Rewards Dollars per year.

Conclusion: Is the Disney Visa Card Right for You?

The Disney Visa® Card from Chase offers Disney Rewards, discounts, and financing options for Disney fans. With no annual fee, a $200 statement credit, and 1% in Disney Rewards Dollars on all purchases, it’s a great option for saving on Disney products, trips, and dining. Travel benefits include purchase protection, extended warranties, and baggage delay insurance, making it ideal for travelers.

For frequent visitors to Disneyland® Resort, Walt Disney World® Resort, or Disney merchandise shoppers, this card is worth considering.

4.9Expert Score

The Disney® Visa® Card offers 1% in Disney Rewards Dollars on all purchases, along with exclusive discounts at Disney parks and stores. There's no annual fee, and cardholders can access special vacation financing. However, the card has a high APR after the introductory 0% period and limited rewards redemption options outside Disney purchases.

Rewards Rating

5.6

Rewards Value

Annual Percentage Rate

Rewards Flexibility

Features

Issuer Customer Experience

PROS

Earn 1% in Disney Rewards Dollars on all purchases.
No annual fee for the Disney Visa Card.
10% off select merchandise and dining at Disney parks and resorts.
Access to special vacation financing for Disney trips.

CONS

High APR after the 0% introductory period.
Limited rewards redemption options outside of Disney-related purchases.
No bonus rewards for non-Disney purchases.
Rewards can take time to accumulate for larger redemptions.

Specification: Honest Disney® Visa® Card Review: Is It Worth It?

Best For:	Disney fans who want rewards and discounts for Disney purchases.
Recommended Credit	Good to Excellent (670 – 850)
Intro Offer:	$200 Statement Credit after spending $500 in the first 3 months.
Rewards	Earn 1% in Disney Rewards Dollars on all purchases.
Annual Fee:	$0
Regular APR:	18.24%–27.24% variable APR
Intro Balance Transfers APR:	N/A
Intro Purchase APR:	0% intro purchase APR for 6 months
Intro Purchase APR Period:	6 Months
Balance Transfers Fee:	Either $5 or 5% of the amount of each transfer, whichever is greater.
Foreign Transaction Fee	3% of the transaction amount in U.S. dollars.
Cash Advance Fee	Either $10 or 5% of the amount of each transaction, whichever is greater.
Late Payment Fee:	Up to $40
Cash Equivalent Fee	N/A
Convenience Check Fee	N/A
Returned Payment Fee:	Up to $40
Over Limit Fee:	None
ExtendPay Fee	Monthly fee of up to 1.72% for each eligible purchase.
Credit Card Limit:	Based on creditworthiness
Credit Card Type	Airlines Miles
Credit Card Features	1% rewards, Disney vacation financing, shopping discounts, purchase protection, extended warranty, baggage insurance, and Disney perks.