Disney Visa Card offers magic with $50 credit and 1% cash back| April 2018

Review: The Disney Visa Card – April 2018

Get strong Disney rewards and 1% cash back on everyday spending with this no-annual-fee card.

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  • Get this card if… you spend big on Disney and don’t want to pay an annual fee.
  • Pick something else if… you’re not a fan of Disney or want more points back on groceries and gas.
  • Recommended fair to excellent credit score of 670 or higher.

Sometimes you want the point rewards that come with credit cards without having to pay an annual fee. The Disney Visa Card offers points for spending and Disney-related rewards at no annual fee.

Product NameDisney® Visa® Card
Balance Transfer Rate (not intro)17.24% variable
APR for Purchases ( Purchase Rate )17.24% variable
Annual fee$0
Cash Advance Rate25.49% variable
Card TypeVisa
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 21 days
Returned Payment Fee$29
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of each transaction in U.S. dollars% of transaction value
Minimum Interest$0
Minimum Credit ScoreFair (660-699)
Minimum Age18 years of age
Annual fee$0
Returned Payment Fee$29
Over The Credit Line Fee$0
Late Payment Fee$35
Cash Advance Fee$10 or 3% of the amount of each transaction, whichever is greater

The Basics

If you’re a fan of all things Disney, you have two cards to earn magical rewards on your everyday spending: the Disney Visa Card, or the Disney Premier Visa Card. Both cards offer discounts at Disney resorts, on purchases from a Disney location and discounts at Disney restaurants and salons.

Unlike the Disney Premier Visa Card, the Disney Visa Card comes with no annual fee. You’ll get 1% cash back on everyday purchases and are eligible for a $50 sign-up bonus after your first purchase.

Disney Visa Card vs. Disney Premier Visa Card

The Disney® Visa® CardThe Disney Premier Visa Card
Annual Fee$0 p.a.$49
Signup Bonus$50 after first purchase$200 (after $500 spend in 3 months)
Cash Back1%2% select categories, 1% elsewhere
Purchase APR17.24% variable16.99%

The Perks

  • NO ANNUAL FEE
    Avoid paying an annual rate with this card.
  • UNLIMITED REWARDS
    Earn 1% in Disney Rewards Dollars on everyday purchases.
  • DISNEY DISCOUNTS
    10% off select merchandise, recreation experiences and dining locations.
    15% off guided tours and any salon treatment at Disney resorts.
    Exclusive VIP Package with the purchase of premium tickets to Aladdin or The Lion King on Broadway.

You’ll also like …

  • Vacation financing. The Disney Visa Card can help you finance your hotel expenses at a Disney location.
  • Disney character experience. Cardmembers can attend private events to meet Disney characters.
  • Sign-up bonus. Earn a $50 statement credit after your first purchase with this card.
  • Multiple Disney designs. Personalize your card from among many designs.

What to watch out for

  • It hurts to pay late. Making late payments can cost you up to $35 in fees if your balance is over $250.
  • It’s hard to earn rewards points. Unlike other rewards cards, 1% is the maximum you can earn on any card purchase.
  • Variable APR. While many credit cards come with variable APRs, this card’s APR can be as high as 17.24% variable.

Consider other cards if …

  • You don’t love Disney. Other than a simple 1% cash back on everyday purchases, most of this card’s rewards are for fans of Disney.
  • You want more robust rewards. Compare this card to Capital One’s Premier Dining Rewards card, which provides unlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases.

Compare other Chase credit cards

Rates last updated April 21st, 2018
Name Product APR for Purchases ( Purchase Rate ) Intro APR for Balance Transfer Annual fee Product Description
Chase Sapphire Preferred® credit card
17.24% to 24.24% variable
$0 annual fee for the first year ($95 thereafter)
Earn 2X points on travel and dining at restaurants.
Chase Sapphire Reserve
17.24% to 24.24% variable
$450
Earn 50000 BONUS POINTS after spending $4,000 on purchases in the first 3 months from account opening* — that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
The Chase Freedom® Unlimited™ credit card
16.24% to 24.99% variable
0% Intro APR for 15 billing cycles (with whichever is greater, $5 or 5% balance transfer fee)
$0
Earn unlimited 1.5% cash back on every purchase – it's automatic. No minimum to redeem for cash back.
Chase Freedom® credit card
16.24% to 24.99% variable
0% Intro APR for first 15 billing cycles (with whichever is greater, $5 or 5% balance transfer fee)
$0
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate and unlimited 1% cash back on all other purchases.
Chase Slate® credit card
16.24% to 24.99% variable
0% Intro APR for 15 billing cycles (with $0 for transfers in first 60 days. Then $5 or 5% balance transfer fee)
$0
Jumpstart your financial fitness! 60 day introductory balance transfer offer, save on interest, and get your free monthly credit score.
United MileagePlus® Club card
17.24% to 24.24% variable
$450
Enjoy United Club membership, Premier Access® travel services, free checked bags, plus earn miles on every purchase.
United MileagePlus® Explorer Business card
17.24% to 24.24% variable
$0 annual fee for the first year ($95 thereafter)
50000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
Southwest Rapid Rewards® Premier Business Credit Card
17.24% to 24.24% variable
$99
Earn 2x points on Southwest® purchases and points on all other purchases. Plus 6,000 anniversary bonus points.
United MileagePlus® Explorer card
17.24% to 24.24% variable
$0 annual fee for the first year ($95 thereafter)
40000 bonus miles after you spend $2,000 on purchases in the first 3 months from account opening.
Southwest Rapid Rewards® Plus Credit Card
17.24% to 24.24% variable
$69
Earn 2x points on Southwest® purchases and points on all other purchases. Plus 3,000 anniversary bonus points.
British Airways Visa Signature® card
17.24% to 24.24% variable
$95
Earn Avios on every purchase and 3 Avios per $1 on British Airways purchases.
Marriott Rewards® Premier Business credit card
17.24% to 24.24% variable
$99
75000 Bonus points after you spend $3,000 on purchases in your first 3 months from your account opening with your Marriott Rewards Premier Business credit card.
Marriott Rewards® Premier credit card
17.24% to 24.24% variable
$85
80000 bonus points after you spend $3,000 on purchases in your first 3 months from your account opening with your Marriott Rewards Premier credit card.
The Ritz-Carlton Rewards® Credit Card
17.24% to 24.24% variable
$450
2 complimentary nights at any participating Tier 1-4 Ritz-Carlton hotel, after you spend $4,000 on purchases in the first 3 months after account opening.
The Hyatt Credit Card
17.24% to 24.24% variable
$75
Get 40000 Bonus Points after spending $2,000 on purchases with the Hyatt Credit Card in the first 3 months from account opening.
Disney® Visa® Card
17.24% variable
$0
Earn 1% in Disney Rewards Dollars on all card purchases.
Disney® Premier Visa® Card
17.24% variable
$49
Earn a $200 statement credit after you spend $500 on purchases in the first 3 months from account opening.

Compare up to 4 providers

What to know before you apply

To apply for a Disney Visa Rewards card you must be:

  • At least 18 years old.
  • A U.S. citizen or resident.

What credit score do I need?

You’ll have a better chance of being approved for the Disney Rewards Visa Card if you have a fair to excellent credit score of 670 or higher.

How to apply for the card

1. Go to the provider’s site and click Select a card.

step 1 Disney Visa Card
2. Scroll until you see the Disney Visa Card. Click Get Started.

step 2 Disney Visa Card
3. Choose your card design and click Apply Now.

step 3 Disney Visa Card
4. Complete the application with your name, address, income and employer.

step 4 Disney Visa Card

How long will it take to be approved?

It can take up to 30 days for card approval, although many people report hearing back much sooner — some were even emailed later that day.

Always consider your options and your financial situation before you apply for a credit card.

I got the card. Now what?

  • Making payments. Register with Chase Online to manage your account and pay your bill online.
  • Avoiding fees. Late payments can cost you up to $29.00. Enroll in autopay to avoid unnecessary fees.
  • Customer service. While Disney Visa has a FAQ page, you may not find all the answers online. But you can call 1-800-300-8575 or email disneyrewards@email.disneyrewards.com for help.

Bottom line

The Disney Visa Card is most attractive for lovers of Disney. If you’re a Disney theme park regular or make a lot of Disney purchases, look into its many rewards.
Compare Chase credit cards

Frequently asked questions about Disney Visa

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