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Mickey fans, listen up: if you aren’t carrying the Disney Visa card from Chase, you could be missing out on enchanted rewards. The Disney® Visa® Card and the Disney Premier Visa® card, both issued by Chase, not only boast award-winning designs, they can save you a bundle on your next Disney vacation and ensure you and your family are treated like royalty when you visit the magic kingdom.
These eye-catching cards, emblazoned with pictures of your favorite characters, including Tinkerbelle, Nemo, Goofy, Donald Duck, Buzz, Woody, and yes, Mickey and Minnie too – are some of the best credit cards out there for anyone who spends a lot on Disney products or frequents their theme parks.
If you’re planning to take your little princes and princesses to the Magic Kingdom, bringing one of these cards along for the ride can make your vacation a little more magical – but keep in mind that both the regular and the premium cards require excellent credit to qualify. If your credit score is under an evil spell, it might take a wave of your fairy godmother’s wand – or some tips for improving your credit score – in order to be approved.
Once Upon a Time
Chase offers two different Disney Visa cards – a regular card and a premium one – and both give card holders savings and rewards on Disney purchases. Here’s what these Disney credit cards offer, whether you are at home or at the Cinderella Castle.
Both cards offer a reward for using the card for the first time. After that first use (a purchase or balance transfer – cash advances don’t count) you’ll get a Disney gift card, redeemable at any Disney store or theme park. Next time your little one is begging for that Ariel doll or talking Buzz Lightyear, you might find that handy – or save it for a birthday or holiday gift.
Disney® Visa® Card - $50 gift card after first use
Disney Premier Visa® card - $100 gift card after first use
Disney Dream Reward Dollars
You won’t earn cash back with these cards, but you will earn Disney Dream Reward Dollars. These can be redeemed for anything Disney – movie tickets, DVDs, costumes, toys, and more – as well as for any purchases made at a Disney park. Every purchase you make using the card will add to your Disney Dream Reward Dollars balance, and there’s no limit to how many Disney Dream Reward Dollars you can accrue. There is, however, an expiration date on them. When traded in for a Disney Rewards Redemption card, there is an expiration date on the card. Otherwise, they expire five years from the date of issue.
Disney® Visa® Card – gives 1 percent back in Dream Rewards Dollars on every purchase.
Disney Premier Visa® card - gives 2 percent back in reward dollars for purchases made at gas stations, grocery stores, restaurants, and Disney locations, and 1 percent everywhere else.
Here’s where this card really shines. If you take your family on a trip to Disney World or Disneyland, you’ll enjoy the following exclusive benefits:
- Bring your child to a special meet and greet with a Disney character at a private, exclusive location for card holders.
- Get 10 percent off selected purchases of $50 or more at retail locations in the park.
- Receive 20 percent off certain guided tours at the park.
- You’ll be eligible for special vacation financing when planning your Disney vacation – talk to a travel expert at the Walt Disney Travel Company for details; you’ll need to book the vacation through them.
Even if you’re not at the Magic Kingdom, when you use your card you’ll always get 10 percent off of any purchase of $50 or more at a Disney store, or online at Disney.com, so if you buy a lot of Mickey Mouse watches, Toy Story DVDs, or Snow White Barbies, you’ll save on those purchases.
The regular card has no annual fee, but the Premier card carries an annual fee of $492. Whether this is worth it to you depends on how much you anticipate taking advantage of the Dream Rewards Dollars, special vacation financing, and the bonus gift card – which is only given once, not every year.
The Premier card does come in more designs than the regular card – eight double-sided designs that are pretty darn cute. Is it worth $492 a year just for a cute card? I guess it depends on how hard-core a Disney fan you are.
Ongoing APR and Other Fees
Disney® Visa® Card – 17.24%2 ongoing APR on purchases and balance transfers, 26.24%2 ongoing APR for cash advance, 3%2 balance transfer fee, 3%2 foreign transaction fee and 3% cash advance fee.
Disney’s Premier Visa® card has pretty the same features.
NOTE: There is no low introductory APR offer on these cards, but there is a zero-percent APR for 6 months2 when you pay for a Disney vacation package with the card. If you’re planning a pricey Disney vacation and want to spread the cost over several months, this can be a great option to do it, interest-free.
Happily Ever After
So, are these cards worth it? It depends what you’re looking for in a credit card. If you love Disney and want to carry their cute cards in your wallet, and you plan to make a lot of Disney purchases or go on a Disney vacation, then yes – this card may be a good deal for you.
On the other hand, if you’re looking for a card that gives cash back instead of Disney Dream Reward Dollars, there are plenty of cards out there that would give you a better return on your money. Check out our cash-back rewards card section to find several great choices, including Chase Freedom® credit card. These cards offer between one and five percent cash back on purchases and let you spend that money however you want.
For the die-hard Disney fan, Chase Freedom® may be the card that makes dreams come true. It just depends what, exactly, your heart desires!