In case you’re in search of probably the most reasonably priced method to go to Disney World, Disneyland or on a Disney Cruise, you is perhaps asking your self if Disney’s bank card choices — the Disney® Visa® Card (see charges and charges) and the Disney® Premier Visa® Card (see charges and charges) — are respectable choices.
Each playing cards earn Disney Rewards {Dollars} that you should utilize to pay for many issues Disney, together with journeys to the parks or a cruise and have elevated bonuses proper now. And, in spite of everything, something that makes a Disney journey extra reasonably priced might be price contemplating.
There is no one-size-fits-all reply as to whether the Disney Visa bank cards are price it, however there are occasions they could be a smart alternative.
We’ll break down how the playing cards work and when they’re — and are not — price getting in anticipation of an upcoming Disney trip.
Disney Visa card welcome gives
The Disney Visa is an entry-level product with no annual payment. New cardholders can earn a $200 assertion credit score after spending $500 on purchases within the first three months from account opening. That is larger than the conventional $150 bonus and a strong supply for a card with no annual payment.
The Disney Premier Visa has a $49 annual payment, and new cardholders can earn a $400 assertion credit score after spending $1,000 on purchases within the first three months from account opening. That is additionally elevated over the conventional $300 quantity.
Each playing cards are issued by Chase and thus are topic to Chase’s 5/24 rule.
Getting these playing cards whereas the bonuses are elevated is a good suggestion for those who’ve been occupied with including both to your pockets. Particularly, incomes a $400 assertion credit score with simply $1,000 in spending on a card with a low $49 annual payment is fairly respectable return.
After all, there are welcome bonuses on the market price $1,000 or extra, however they could include larger annual charges or larger spending necessities.
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For instance, new Capital One Enterprise Rewards Credit score Card cardholders can earn 75,000 bonus miles after spending $4,000 on purchases throughout the first three months of account opening. You should utilize that to offset $750 in journey fees put in your card, so it may primarily prevent $750 (apart from the $95 annual payment) on eligible journey bills in your Disney journey.
After all, for those who’re capable of hit the spending necessities on a couple of card, you might theoretically get a number of bonuses to assist defer the price of your Disney journey. But it surely’s good to match the worth of every card to make sure you get one which most accurately fits your monetary and journey wants.
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Disney Visa card rewards
The Disney bank cards earn rewards at completely different charges.
The no-annual-fee Disney Visa earns a easy 1% on all card purchases within the type of Disney Rewards {Dollars} you should utilize at Disney.
The Disney Premier Visa earns:
- 5% on card purchases made immediately at DisneyPlus.com, Hulu.com or ESPNPlus.com
- 2% on purchases at fuel stations, grocery shops, eating places and most Disney U.S. areas
- 1% in every single place else
Like the bottom Disney Visa, the Disney Premier Visa earns Disney Rewards {Dollars}.
The Disney Rewards {Dollars} you earn on both Disney Visa card may be redeemed towards Disney purchases, whether or not that is on the U.S. Disney Parks, on Disney Cruise Line or at Disney Shops. With the Disney Premier Visa, you can too redeem your {dollars} for a press release credit score towards airline purchases made immediately with the airline.
Incomes as much as 5% again in Disney Rewards {Dollars} in some spending classes, akin to on Disney+ subscriptions, is not unhealthy, however only for perspective, do know that there are various bank cards on the market that present a greater return for on a regular basis spending than both of the Disney playing cards, which each earn at simply 1% again on non-bonused classes.
For instance, the Capital One Enterprise Rewards card earns a minimum of 2 miles per greenback spent on all purchases, albeit for the next annual payment of $95. Some bank cards award between 3 and 5 factors per greenback at locations like grocery shops and fuel stations. The rewards these playing cards earn are sometimes transferable to airline and lodge companions, providing you with nice worth.
In different phrases, whereas Disney Rewards {Dollars} will seemingly be simple to spend for Disney followers, the incomes charges on these playing cards exterior of some bonus classes are usually not probably the most compelling available on the market.
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Disney Visa card perks
Along with the as much as $400 in welcome bonus gives, the distinctive perks are the place the Disney Visa Card and Disney Premier Visa Card get extra attention-grabbing for these seeking to trip with Mickey and associates.
Save on choose Disney meals, experiences and merchandise
On eligible dates at Disneyland and Disney World, it can save you 10% on some Disney merchandise purchases and on choose eating areas. Some eligible spots embrace Skipper Canteen on the Magic Kingdom, Spherical-Up Rodeo Cafe and Hollywood Studios, Kona Cafe on the Polynesian Village Resort, Rose and Crown Eating Room at EPCOT and Storytellers Cafe on the Grand Californian at Disneyland, to call just a few.
Ten p.c off the value of eating, particularly character eating, over the course of some meals for a household can seemingly cowl the price of the cardboard’s annual payment.
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You too can save as much as 15% on choose guided Disney excursions, such because the Keys to the Kingdom tour at Disney World and the Starlight Safari tour at Disney’s Animal Kingdom Lodge.
Further reductions embrace:
- 10% on horseback rides at Disney’s Fort Wilderness
- 10% on some packages at actions at Disney’s Castaway Cay personal island
- 20% on eligible spa remedies on Disney Cruise Line whereas the ship is at port.
- Disney Visa cardholder gives for issues like 35% off choose Disney cruise sailings with a particular $250 onboard credit score.
Get 0% financing for six months on eligible Disney holidays
The playing cards supply six months of 0% financing on eligible Disney World and Disneyland trip packages, Disney cruises, Adventures by Disney packages and extra. After your promotional APR expires, your commonplace buy APR will apply.
Entry to particular characters and cardholder merch
The Disney Visa Card and Disney Premier Visa Card offer you entry to issues like unique character picture alternatives within the Disney Parks with out the conventional traces and entry to particular merchandise, akin to a cardholder-exclusive Disneyland seventieth anniversary Tinkerbell pin.
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Why the Disney debit card might be a terrific answer
Having the debit card will not rely towards your Chase 5/24 standing and carries no annual payment. You additionally will not get the welcome bonuses you get with the Disney bank cards. Nevertheless, you have to a Chase checking account to entry this debit card choice.
The Disney debit card does not earn rewards, however it will get you entry to most of the identical picture ops and reductions because the Disney Visa bank cards. This can be a method to get the perks however keep away from charges or utilizing a 5/24 slot on a Disney bank card.
The data for the Disney Visa Debit Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
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Why the Disney Visa playing cards aren’t all the time the only option
I am a little bit of a Disney fanatic, so I completely get the enchantment of getting one in all these Disney playing cards — they’re cute, too, with the completely different out there Disney design choices.
If the built-in perks sound intriguing, a Disney Visa is perhaps best for you since these perks are usually not replicated on different playing cards.
In case you spend rather a lot on Disney eating and a few out-of-park experiences, saving 10% or extra can add up for frequent Disney guests.
Nevertheless, the place these playing cards simply aren’t nice is in incomes rewards on on a regular basis bills, so I feel it is best to actually contemplate different choices in maximizing these bills.
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Backside line
The Disney Visa Card and Disney Premier Visa Card are enjoyable rewards card choices for followers of all issues Disney. Particularly with the present elevated bonuses, these playing cards could make sense for many who wish to maximize the distinctive Disney perks and reductions.
However by way of incomes on a regular basis rewards, whereas Disney playing cards are higher than paying for issues with money or debit playing cards, they usually aren’t the perfect bank cards available on the market in case your objective is to earn factors to make use of in your subsequent Disney journey.
As an alternative, learn our information to the perfect bank cards for Disney holidays to avoid wasting probably the most cash and earn most factors in your subsequent Disney trip.
And for a deeper dive into the Disney playing cards, take a look at our full assessment of the Disney Premier Visa and full assessment of the Disney Visa.
Apply right here: Disney Visa Card
Apply right here: Disney Premier Visa Card
