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

Disney® Visa® Card review – October 2018

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

  • 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
Card TypeVisa
Annual Fee$0
APR (Annual Percentage Rate) for Purchases17.74% variable
Introductory Purchase APR0% for the first 6 months (then to variable)
Balance Transfer Fee$5 or 3% of the transaction, whichever is greater
Cash Advance Rate26.74% variable
Foreign Transaction Fee3% of the transaction value
Cash Advance Fee$10 or 3% of the cash advance amount, whichever is greater
Interest Free PeriodUp to 21 days
Late Payment Fee$37
Returned Payment Fee$37
Additional Cardholder Fee$0
Rates & FeesRates & Fees
Minimum Age18 years of age
Welcome Offer$50 after first purchase
Reward Value per Dollar1% cash back
Rewards Points ExpiryNever

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® Card The Disney® Premier Visa® Card
Annual Fee $0 $49
Signup Bonus $50 after first purchase $200 (after $500 spend in 3 months)
Cash Back 1% 2% select categories, 1% elsewhere
Purchase APR 17.74% variable 17.74% variable

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 $37 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 17.74% 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® Premier Dining Rewards Credit Card, which provides unlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases.

Compare Chase credit cards

Name Product Credit Score Min. Annual Fee Intro Balance Transfer APR Reward Value per Dollar Secured or Unsecured Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
720
95
0%
1
Unsecured
$0 annual fee for the first year ($95 thereafter)
17.74% to 24.74% variable
0% for the first 12 months (then 17.74% to 24.74% variable)
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
720
450
1
Unsecured
$450
17.74% to 24.74% variable
Earn 50,000 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®.
690
0%
1.5
Unsecured
$0
16.74% to 25.49% variable
0% for the first 15 months (then 16.74% to 25.49% variable)
Earn unlimited 1.5% cash back on every purchase - it's automatic. No minimum to redeem for cash back.
690
0%
1
Unsecured
$0
16.74% to 25.49% variable
0% for the first 15 months (then 16.74% to 25.49% variable)
Earn 5% Cash back in bonus categories up to $1,500 every quarter. Earn 1% Cash back on all other purchases.
680
0%
Unsecured
$0
16.74% to 25.49% variable
0% for the first 15 months (then 16.74% to 25.49% variable)
Jumpstart your financial fitness! 60 day introductory balance transfer offer, save on interest, and get your free monthly credit score.
680
450
1.5
Unsecured
$450
17.74% to 24.74% variable
Enjoy United Club membership, Premier Access® travel services, free checked bags, plus earn miles on every purchase.
670
95
1
Unsecured
$0 annual fee for the first year ($95 thereafter)
17.74% to 24.74% variable
50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
740
99
1
Unsecured
$99
17.74% to 24.74% variable
Earn 2x points on Southwest® purchases and 1x point on all other purchases. Plus 6,000 anniversary bonus points.
680
95
1
Unsecured
$0 annual fee for the first year ($95 thereafter)
17.74% to 24.74% variable
40,000 bonus miles after you spend $2,000 on purchases in the first 3 months from account opening.* Plus a $100 statement credit after your first purchase.
690
69
0%
1
Unsecured
$69
17.74% to 24.74% variable
Earn 2x points on Southwest® purchases and points on all other purchases. Plus 3,000 anniversary bonus points.
95
1
Unsecured
$95
17.74% to 24.74% variable
Earn Avios on every purchase and 3 Avios per $1 on British Airways purchases.
680
99
2
Unsecured
$99
17.74% to 24.74% variable
75,000 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.
680
75
0%
1
Unsecured
$75
17.74% to 24.74% variable
Get 40,000 Bonus Points after spending $2,000 on purchases with the Hyatt Credit Card in the first 3 months from account opening.
670
1
Unsecured
$0
17.74% variable
Earn 1% in Disney Rewards Dollars on all card purchases.
670
49
0%
1
Unsecured
$49
17.74% variable
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® 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® 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.

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 $37. Enroll in autopay to avoid unnecessary fees.
  • Customer service. While Disney® Visa® Card 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 how it can reward you for your spending.
Compare Chase credit cards

Frequently asked questions about Disney® Visa® Card

Megan Horner

As the assistant publisher of credit cards at finder.com, Megan is passionate about helping you compare and find the best credit cards for your situation, whether that is earning great rewards or improving your credit score. In her previous position, Megan worked as an assigning editor at Credit Karma, where she focused on editing and publishing educational articles on credit cards. Megan started her career as a writer at a comparison website, so she has a longstanding background in surfacing the best deals and helping people make decisions. In her spare time, Megan likes to hike, camp, surf, and read.

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