Rewards Plan
Welcome Bonus
Credit Rating
0% Intro
Annual Fee
APR
- Disney Experiences
- Complimentary DashPass
- Low Rewards Rate
- Foreign Transaction Fee
Rewards Plan
Welcome Bonus
0% Intro
PROS
- Disney Experiences
- Complimentary DashPass
CONS
- Low Rewards Rate
- Foreign Transaction Fee
APR
19.24%–28.24% variable
Annual Fee
$0
Balance Transfer Fee
5% or $5, whichever is greater
Credit Requirements
Good - Excellent
While the Chase Disney Visa card may not offer the most generous rewards, it is a good pick for the ultimate Disney fans. Not only can you accumulate Disney Reward Dollars, but you can get discounts and access to exclusive events or promotions. You can even choose your card design from 10 options including classic Disney and modern favorites like the Mandalorian.
However, if you’re looking to get the most bang for your buck to save rewards for your next Disney vacation, you are likely to find that there are general rewards credit cards that offer far more points or cash back with each purchase. Some tiered category reward cards offer up to five points per dollar, so you can strategically plan your spending and get great rewards on all or most of your purchases.
- Exclusive Access to Disney Experiences
- Disney Store Cardmember Events
- Discount on Disney on Broadway Shows
- 0% APR for Six Months for Disney Vacations
- 10% Discount on Disney Store Purchases
- Complimentary DashPass
- Choice of Card Designs
- Below Average Rewards Rate
- Low Welcome Bonus
- Limited Redemptions
- Foreign Transaction Fee
- No Bonus Rewards
What are card income requirements?
There are no official income requirements for this card, but you do need to have good to excellent credit. While income is a consideration, it is not the only factor that Chase will assess on your application.
Can I get pre-approved?
Chase does typically offer pre approval for its credit cards. You can log in as a customer or as a guest to check if you would qualify for the card. You may also receive a mailer with a pre approval offer.
How do I redeem rewards?
The redemption process is a little complicated as you need to get a reloadable redemption card. You can obtain this by visiting the DisneyRewards website or calling the customer helpline. You can then transfer your Disney Rewards Dollars to your card. You can have up to two redemption cards per account.
The first transfer requires a minimum of 20 Rewards Dollars and subsequent transfers have a 10 Rewards Dollar minimum. Once your transfer has been processed to your redemption card, you can use them at Disneyland and Walt Disney World resorts.
You can also use them at Disney Stores, on Disney Cruise Lines and to pay for Disney, Star Wars or Pixar movies at AMC Theater locations.
In this Review
Estimating Your Rewards: A Practical Simulation
The following table is a simulation of rewards that showcases the potential benefits of using the Chase Disney Visa Card. It provides an estimated breakdown of the rewards you could earn based on your typical spending habits in various categories.
While this table can help you understand the potential advantages of the card, it is important to keep in mind that the figures presented are only estimates, and your actual rewards may vary depending on your individual spending patterns and other factors.
| |
|---|---|
Spend Per Category | Chase Disney Visa Card
|
$10,000 – U.S Supermarkets | $100 |
$3,000 – Restaurants
| $30 |
$4,000 – Airline | $40 |
$4,000 – Hotels | $40 |
$4,000 – Gas | $40 |
Estimated Annual Cash Back | $250 |
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Pros and Cons
Just like any other credit card, the Disney credit card has some advantages and disadvantages:
Pros | Cons |
|---|---|
Exclusive Access to Disney Experiences | Below Average Rewards Rate |
Disney Store Cardmember Events | Low Welcome Bonus |
Discount on Disney on Broadway Shows | Limited Redemptions |
0% APR for Six Months for Disney Vacations | Foreign Transaction Fee |
10% Discount on Disney Store Purchases | No Bonus Rewards |
Complimentary DashPass | |
Choice of Card Designs |
- Exclusive Access to Disney Experiences
This includes special photo opportunities with Star Wars and Disney characters at private locations at both Disneyland and Walt Disney World Resorts.
This ìs limited to one session with characters per day, per cardholder, but it does include complimentary download of the photos.
- Disney Store Cardmember Events
As a cardmember, you can also enjoy special events at Disney store locations throughout the U.S. The passes are issued on a first come, first served basis, as the numbers are limited according to store capacity. Only one pass per card member is allowed.
- Discount on Disney on Broadway Shows
You can get a VIP package when you purchase premium tickets to select Disney on Broadway shows.
- 0% APR for Disney Vacations
When you book select Disney vacation packages on your card, you can enjoy a 0% APR promotional rate for six months.
- 10% Discount on Disney Store Purchases
When you use your Disney Visa card to purchase select items at Disney Stores, you can receive 10% savings. There is also 10% off select merchandise at select Disneyland and Walt Disney World Resorts locations.
- Complimentary DashPass
As a new card holder, you will receive a one year DoorDash DashPass for free. This provides unlimited deliveries with no delivery fees and lower service fees on eligible DoorDash and Caviar orders.
- Choice of Card Designs
You can make a choice from a selection of 10 different Disney themed card designs for your new credit card. This includes Vintage Mickey, Sleeping Beauty Castle, Darth Vader, Toy Story and The Mandalorian.
- Below Average Rewards Rate
The reward rate of 1% for this card is far lower compared to many general flat rate cash back cards available on the market. There are a number of cards offering up to 2%, with some tiered category reward cards offering up to 5%.
If you want comparable rewards, you would need to upgrade to the Disney Premier Visa, which has an annual fee and offers up to 5% in Disney Rewards.
- Low Welcome Bonus
While the spending requirement is low, the welcome bonus is only $150 in statement credit. There are many other no annual fee credit cards that have a far more generous welcome bonus.
- Limited Redemptions
You can only redeem Disney Rewards Dollars for Star Wars or Disney purchases. The redemption process is quite complex and your rewards will expire after five years.
- Foreign Transaction Fee
Unusually for a travel related card, the Disney Visa has a 3% foreign transaction fee. While this is a fairly standard fee, it can add up to significant charges when you’re on a vacation.
- No Bonus Rewards
Although you can earn an unlimited 1% on your purchases, there are no bonus reward categories to increase your reward potential.
Who Should Consider The Disney Card?
This card is obviously a good option for keen Disney fans who regularly visit Disney resorts and stores. You can not only earn discounts on select purchases, but you can accumulate Disney Reward Dollars that you can use on your next vacation package. As an added bonus, you can get 0% APR financing for select Disney vacations when you pay with your card.
The card could also be a good fit if you aspire to enjoy a Disney vacation. The card has no annual fee and you can accumulate Disney rewards with up to five years before the rewards expire. This can be a great way to enjoy a discount on your vacation.
However, it is a good idea to compare the benefits of more general travel credit cards to check if this card offers the best reward options.
Card | Rewards | Annual Fee |
| 2X – 5X
5x total points on travel purchased through Chase Travel, 3x points on dining, online grocery purchases and select streaming services. 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases.
| $95
|
|---|---|---|---|
| 25,000 points
1.5 points for every $1 you spend on all purchases everywhere, every time and no expiration on points
| $0 | |
| 1.25X – 5X
unlimited 5X miles on hotels and rental cars booked through Capital One Travel and 1.25X miles on all other purchases
| $0 | |
| 1X – 3X
3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Also, earn 1X points on other purchases
| $0 | |
| 1.5X
unlimited 1.5x miles for every dollar spent on all purchases
| $0 | |
| 1X – 5X
5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
| $695 (Rates & Fees) |
How To Maximize Card Benefits: Tips
This card is fairly straightforward, but there are a couple of tips that can help you to get the best from it. These include:
-
Make Time to Visit Exclusive Events
Planning a vacation can be tricky, but make sure that you make time to visit the exclusive events each time that you visit a Disney park. You can get some great photos with Disney or Star Wars characters, which is a must for any Disney fan.
-
Buy Merchandise in Disney Stores or Resorts
If you’re shopping for merchandise, make sure that a Disney store is your first stop. You’ll get discounts on select merchandise to get even greater value.
-
Plan Your Trip In Advance
Since using your Disney Reward Dollars can be a little tricky, be sure to plan your trip well in advance. This will provide sufficient time to receive your redemption card which you can load with your Disney Dollars to use when you’re at the park.
FAQs
How hard is it to get a Disney Visa card?
You do need to have good to excellent credit for this card. Additionally, the card is subject to the Chase 5/24 rule. This means that regardless of your credit, if you’ve opened five new credit card accounts in the last 24 months, your application will be declined.
When it may not be a good idea?
This card may not be a good idea if you want to maximize the rewards for your vacation plans, as there are reward cards that offer far more generous points or cash back.
The card is also not a good choice if you prefer an option with straightforward redemption options, as the Disney Visa can be a little complicated when it comes time to redeem your Reward Dollars.
Does the card provide car rental insurance?
The Disney Visa card does not offer car rental insurance coverage. If you want car rental insurance, you would need to upgrade to the Disney Premier Visa.
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