Disney® Visa® Card
- Best for: Disney fans who dine and shop at Disneyland, Walt Disney World, or Disney Store and want cardmember perks with no annual fee
- What Sets It Apart: 10% off select park merchandise and dining; cardmember-only character photo spots; six months at 0% interest on select Disney vacation packages
- Cost: $0 annual fee; 18.49% to 27.99% variable APR; 3% foreign transaction fee
- Rewards: 1% in Disney Rewards Dollars on purchases, each worth $1 toward Disney purchases in the U.S.
- Welcome Offer: $100 Disney gift card on approval; $50 statement credit after $500 in purchases in the first 3 months
- Pros: Park and Disney Store discounts for no annual fee; Rewards Dollars don’t expire while the account is open; no blackout dates
- Cons: 1% back, half a flat 2% card’s rate; Rewards Dollars pay only for Disney purchases; no bonus categories; 3% fee on foreign transactions
Get the no-annual-fee Disney® Visa® Card if you visit Disneyland or Walt Disney World, where it takes 10% off select merchandise and dining. Pay with it where those discounts apply, and put the rest of your spending on a flat 2% cash back card, which earns twice its 1% rewards.
Chase issues the Disney Visa Card for Disney fans and pays its rewards in Disney Rewards Dollars, worth $1 each toward Disney purchases in the U.S., from park tickets to resort stays.
Key Features
- No annual fee, an 18.49% to 27.99% variable interest rate (APR), and a 3% foreign transaction fee
- 1% back in Disney Rewards Dollars on purchases, with no earning cap
- For new cardmembers, a $100 Disney gift card on approval, which Chase can cancel if the account closes within 6 months, plus a $50 statement credit after $500 in purchases in the first 3 months
- 10% off select merchandise and dining at select locations in Disneyland and Walt Disney World
- 0% interest on select Disney vacation packages for 6 months from purchase, when charged before the trip begins
Pros
- 10% off select Disney Store purchases, cardmember-only character photo spots in the parks, and 15% off select guided tours
- No annual fee, so it costs nothing to keep for Disney purchases alone
- Rewards Dollars don’t expire while the account is open, and redemptions have no blackout dates
Cons
- 1% back, so $10,000 of yearly spending earns $100 in Rewards Dollars, where a no-fee flat 2% cash back card earns $200
- Rewards Dollars pay only for Disney purchases in the U.S., with no cash option
- No bonus categories, unlike the Disney Premier Visa, which pays 2% on gas, groceries, dining, and purchases at U.S. Disney locations and earns more than this card, after its $49 fee, once that spending passes $4,900 a year
- Photo spots require park admission, and the discounts exclude park tickets, alcohol, and many brands
Disney fans come out ahead using it for select park and Disney Store purchases, where its 10% discount beats the 2% a cash back card earns. For everything else, pair it with a flat 2% card that earns twice its rate, and if you rarely visit Disney, use that card alone.
Learn more about the Disney® Visa® Card or see how it compares to the best cash back credit cards.
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