Disney Visa Card review | finder.com

Disney® Visa® Card review

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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
Purchase APR0% intro for the first 6 months on select Disney vacation packages (then from 18.24% variable)
Balance transfer APR18.24% variable
Balance transfer fee$5 or 3% of the transaction, whichever is greater
Cash advance rate27.24% variable
Cash advance fee$10 or 3% of the cash advance amount, whichever is greater
Foreign transaction fee3% of the transaction value
Interest free periodUp to 21 days
Late payment feeUp to $37
Returned payment feeUp to $37
Additional cardholder fee$0
Rates & feesrates & fees
Minimum Age18 years of age
Welcome Offerafter first purchase
Rewards1% cash back on all purchases
Base Rewards1% cash back
Rewards Points ExpiryNever

The basics

If you’re a fan of all things Disney and Star Wars, this could be the card for you. Not only will you receive discounts at Disney resorts, Disney locations and Disney restaurants and salons, you’ll also 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 after first purchase (after $500 spend in 3 months)
Cash Back1%2% select categories, 1% elsewhere
Purchase APR18.24% variable18.24% variable

The Perks

  • Signup bonus.
    Earn 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.
    Enjoy a 0% promotional APR for 6 months on select Disney vacation packages from the moment you purchases them. After that, an APR of 18.24% variable applies.

How many 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’ll pay nothing 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 made outside 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 travel credit cards

Name Product Filter values Rewards Purchase APR Annual fee
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
17.74% to 26.74% variable
$0
Earn 90,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the card within your first 3 months of card membership. Rates & fees
1.25x miles on all purchases and 10x miles at hotels.com/venture
0% intro for the first 12 months (then 14.24%, 20.24% or 24.24% variable)
$0
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
2x miles on Delta purchases and 1x miles on all other purchases
17.74% to 26.74% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn 30,000 miles after spending $1,000 in the first 3 months, plus $50 when you make a direct Delta purchase in the same timeframe. Rates & fees
2x miles on all purchases and 10x miles at hotels.com/venture
17.99%, 22.74% or 25.24% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn 50,000 bonus miles after spending $3,000 on purchases within the first 3 months from account opening.
3x points at Marriott Bonvoy hotels, 2x on travel and 1x on all other purchases
18.24% to 25.24% variable
$0
50,000 bonus points after you spend $2,000 on purchases in your first 3 months from your account opening.

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.

You’ll also need to provide the following information:

  • Your full name and contact information.
  • Social Security number and date of birth.
  • Annual earnings 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 an 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. 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 800-300-8575 or email disneyrewards@email.disneyrewards.com for help.

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

You need a Disney Rewards redemption card to redeem your reward dollars. Once you earn 20 reward dollars, request your redemption card by logging in to your online account or call 800-300-8575.

After you get it, load your card any time with reward dollars. You need a minimum of 10 reward dollars to reload 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 Disney and Star Wars lovers. You get discounts on your Disney and Star Wars purchases, and you get to earn reward dollars redeemable at Disney locations.

Consider other rewards credit cards to compare options if you think there could be a better card for you.

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