Disney Visa Card review | finder.com

Disney® Visa® Card review – February 2019

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Disney® Visa® Card

Get discounts on Disney and Star Wars purchases and earn reward dollars on everything you buy.

  • Get this card if you spend big on Disney and Star Wars and don’t want to pay an annual fee.
  • Pick something else if you want more points back or an intro APR period.
  • Apply with fair to excellent credit score of 570 or higher.
Product NameDisney® Visa® Card
Card TypeVisa
Annual Fee$0
APR (Annual Percentage Rate) for Purchases18.24% variable
Introductory Purchase APR0% for the first 6 months (then to variable)
Balance Transfer APR18.24% variable
Introductory Balance Transfer APR

N/A

Balance Transfer Fee$5 or 3% of the transaction, whichever is greater
Cash Advance Rate26.99% 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
Base Rewards1% cash back
Rewards Points ExpirationNever

The Basics

If you’re a fan of all things Disney and Star Wars, this could be a decent card for you. You get discounts at Disney resorts, on purchases from a Disney location and discounts at Disney restaurants and salons. Plus you get special financing for Disney vacations.

Disney® Visa® Card vs. Disney® Premier Visa® Card

The Disney® Visa® CardThe Disney® Premier Visa® Card
Annual Fee$0$49
Signup Bonus$100 after first purchase$250 (after $500 spend in 3 months)
Cash Back1%2% select categories, 1% elsewhere
Purchase APR18.24% variable18.24% variable

The Perks

  • Signup bonus.

    Earn $100 once you make your first purchase with your card.

  • Disney rewards dollars.

    Earn 1% Disney rewards dollars on all of your purchases. Redeem toward Disney and Star Wars purchases at Disney locations.

  • Special vacation financing.

    Use 0% promotional APR for six months on select Disney vacation packages from the moment you purchases them. After that, an APR of 18.24% variable applies.

How much rewards can I earn with the Disney® Visa® Card?

Every purchase you make earns 1% back in reward dollars. That means for $10,000 spent, you earn 100 reward dollars worth $100 in redemption value.

You’ll also like …

  • No annual fee.

    You won’t pay a fee to own the card.

  • Disney discounts.

    Get 10% off select merchandise of $50 or more; 10% off select purchases at Disney store or online; 10% off select dining locations; and 15% off non-discounted guided tours at Disneyland and Walt Disney World Resorts.

  • Choose your card design.

    You get to choose from 10 card designs from Disney and Star Wars. Also, you can change your card’s design whenever you want.

What to watch out for

  • Foreign transaction fees.

    Any purchase you make outside of the US will incur a 3% fee of the amount.

  • Signup bonus eligibility.

    You won’t be eligible for the signup bonus if you already own this card or if you have received this card’s signup bonus in the past 24 months.

Compare Chase credit cards

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$0
17.24% to 25.99% variable
0% for the first 15 months (then 17.24% to 25.99% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0
17.24% to 25.99% variable
0% for the first 15 months (then 17.24% to 25.99% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0 annual fee for the first year ($95 thereafter)
18.24% to 25.24% variable

N/A

Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
$450
19.24% to 26.24% variable

N/A

Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
$95
18.24% to 23.24% variable

N/A

80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®
$0
15.49% to 21.49% variable
0% for the first 12 months (then 15.49% to 21.49% variable)
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening
$0
15.49% to 21.49% variable
0% for the first 12 months (then 15.49% to 21.49% variable)
$500 bonus cash back after you spend $3,000 in the first 3 months

Compare up to 4 providers

What should I know before I apply?

To apply for the card, you must be at least 18 years old and a US citizen or resident.

Also, you’ll need to provide the following information:

  • Your full name and contact information.
  • Social Security number and date of birth.
  • Annual income and source of income.

What credit score do I need?

You’ll have a better chance of being approved if you have a fair to excellent credit score of 570 or higher.

How to apply for the Disney® Visa® Card

  1. Go to the provider’s site and select the Disney® Visa® Card.
  2. Click Apply Now.
  3. Fill out the application form.
  4. Review your application and submit.

I got the card. Now what?

  • Download Chase Mobile app. And use it to make payments, send money, contact support and more.
  • 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.

How do I redeem rewards from Disney® Visa® Card?

To redeem your reward dollars you need a Disney Rewards redemption card. Log in to your online account or call 1-800-300-8575 once you reach 20 reward dollars in your account and request your redemption card.

After you get it, load your card anytime with reward dollars. You need a minimum of 10 reward dollars and use it at Disney locations toward theme park tickets, resort stays, shopping, dining and more.

Bottom line

This could be a decent credit card for lovers of Disney and Star Wars. You get discounts on your Disney and Star Wars purchases, and you get to earn reward dollars redeemable on Disney locations.

However, if you think there could be a better card for you, check out other reward credit cards and compare your options.

Frequently asked questions

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.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site