Disney® Visa® Card review

This card may not offer the strongest rewards program, but it makes up for it with generous Disney discounts and other park perks.

Written by
Jennifer Doss
Why you should trust CardRatings
badgeImage
Travel Rewards Card

Disney® Visa® Card

  • Rewards
  • Earn 1% in Disney Rewards Dollars on all card purchases. There are no limits to the number of Rewards Dollars you can earn.
  • Welcome Bonus
  • Earn a $150 Statement Credit after you spend $500 on purchases in the first 3 months from account opening.
  • Annual Fee
  • $0
card_name
5.0
Credit Score: Excellent/Good
on Chase's secure website
Terms and Limitations Apply

Key Features

Editor Analysis:

Pros
  • Earn a sign-up bonus of $150 in Disney Dollars after spending $500 in the first three months after your card is issued.
  • Cardholders can receive numerous Disney discounts such as 15% off select tours, like "Keys to the Kingdom," at Disney World and Disneyland, and 10% off select merchandise purchases at select locations and 10% off at select dining locations most days at the Disneyland® Resort and Walt Disney World® Resort.
Cons
  • The rewards program offered with this card is weak. The card can help you save while at Disney, but if you're also looking for a strong rewards program, this might not be the best option for you.

CardName rewards

To be candid, the Disney credit card rewards program is nothing to get too excited about. You can earn a sign-up bonus of $150 in Disney Dollars after spending $500 in the first three months after your card is issued. In addition, you can earn a flat 1% on all purchases made with the card. But that’s about it.

Disney Dollars can be redeemed by using a special redemption card at Disney parks and resorts and official Disney affiliated stores and online retailers.

CardName benefits

While the rewards program is limited, the perks that come with the CardName are where this card really shines. Whether you are planning a vacation to a Disney resort or cruise, you will find major discounts and special access that comes with this Disney rewards credit card.

Visa Disney credit card perks and discounts include:

  • Cardmember discounts, plus 0% financing on select Disney vacation packages: Enjoy 0% promotional APR on select Disney vacation packages for 6 months from the date of purchase (regular APR of RegAPR applies after the promo period)
  • 10% off select merchandise purchases at select locations
  • 10% off at select dining locations most days at the Disneyland Resort and Walt Disney World Resort
  • 10% off on select purchases at DisneyStore.com
  • 15% off select tours, such as “Keys to the Kingdom,” at Disney World and Disneyland
  • Access to special character experiences at Disney World and Disneyland
  • 10% off Disney Cruise Line photo packages
  • 10% off select Disney Cruise excursions
  • 20% off Disney Cruise spa treatments

These perks alone can save you hundreds of dollars on your Disney vacation.

It should also be noted that additional perks and discounts are available through the Disney resorts at Aulani, Vero Beach and Holton Head Island.

Potential downsides of the CardName

The rewards program offered by this no-annual fee Disney credit card is not strong. The $150 sign on bonus is easily attainable but doesn’t stack up well against other cards of this type. Similarly, earning just 1% (in Disney Dollars) on every purchase is not enticing.

A $0 annual fee makes the CardName a “no-lose” card but given that you’re likely to only take advantage of the card perks one week a year, it could wind up stuck in the back of your wallet or gathering dust on your bureau.

How does the CardName compare to other cards?

CardName vs. CardName

discontinued

When deciding which of these sister cards is the better option for you, you’ll want to look at the difference in fee and what you receive for that extra cost.

CardName carries an annual fee of AnnualFees. The card carries all the perks and benefits of the no-annual-fee Disney credit card, but with several attractive added features.

The sign-up bonus for the CardName is $300 in Disney Dollars (as opposed to $150) when you spend at least $1,000 in the first three months after your card is issued. And rather than earning a flat 1% on all purchases, you can earn a healthy 5% on purchases made at Disneyplus.com. Hulu.com and ESPNPlus.com. This includes straight subscriptions, bundles and add-ons, such as pay-per-view features.

You can also earn 2% at gas stations, grocery stores, restaurants, Disney vacation packages, Disney resorts and official Disney stores and online retailers. On all other purchases, you would still earn 1%.

The CardName also has the added perk of being able to redeem your Disney Dollars for travel with select airlines.

See our Disney World credit cards comparison for a more in-depth side-by-side breakdown.

CardName vs. CardName

discontinued

Before you can enjoy the perks of your Disney vacation, you have to get to your destination. Over the years, Southwest Airlines has emerged as a family-friendly favorite among travelers. If that rings true for you, the Southwest Plus credit card may offer certain advantages you could appreciate.

Unlike the CardName, CardName carries a AnnualFees annual fee. However, it also comes with a great welcome offer: You can earn 85,000 bonus points after spending $3,000 on purchases in the first three months from account opening. As an added bonus, you earn 3,000 points on each anniversary of your account.

Through the CardName rewards program, you earn two points for each dollar spent with Southwest Airlines; two points for each dollar spent local transit and commuting (including rideshares); on internet, cable and phone services, and select streaming; and one point for all other purchases.

While the Southwest card doesn’t offer the discounts and fun perks offered by the Disney Visa, it has its share of benefits. You get free bag checks, no change fees and no blackout dates when redeeming your points. Southwest also offers priority boarding for families and has no assigned seating. This can make life much easier when traveling with your family and looking to seat children.

For frequent Southwest flyers, the airline also offers its attractive Companion Pass program. Once earned, it allows you the option to select one companion to fly with you on any Southwest flight, for just the cost of taxes and fees. Essentially, it gets you two-for-one plane tickets.

Is the CardName worth it?

If you are a mega-Disney fan and love to visit their parks, it can save you money to have the CardName in your wallet for your visits to Disney. The perks and discounts can be valuable. However, if you only visit Disney once every few years, you may find better value in another, more general travel credit card.

Frequently asked questions

No, Disney Visa cardholders do not receive discounts on theme park admission; however, CardName receive other Disney discounts such as 10% off at select dining locations most days at the Disneyland Resort and Walt Disney World Resort as well as on select purchases at DisneyStore.com; 15% off select Disney tours; 20% off Disney Cruise spa treatments; and more.
The CardName is available for those with good to excellent credit scores. Generally, this means a FICO score of around 700 or higher. While a score of 700 or higher can improve your chances of approval, other factors such as your overall credit history, income, and debt-to-income ratio could also be considered during the application process.

Our Methodology

Survey methodology: CardRatings commissioned Op4G in September 2023 to conduct surveys among 1,869 cardholders nationwide. CardRatings website analytics from Jan. 1, 2023-Aug. 31, 2023 were used to determine a selection of the most popular cards and additional cards were included to add survey breadth. Responses to each of nine questions were given on a scale of 1-10 and respondents’ scores were then averaged under broad topics. To determine the overall score, responses from questions 1-8 were summed and the answer to “How likely are you to recommend this card to a friend, coworker or family member?” was double weighted. Current Scores reflect scores from the most recent survey (2023); “Past Scores” reflect scores from the 2022 survey.

Disclaimer:The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.


This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.


Related Articles