Tuesday, October 4, 2022

Does Disney Credit Card Have Annual Fee

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What Does The Disney Visa Card Offer

The 7 BEST No Annual Fee Credit Cards in 2021 (Canada)

The Disney Visa Card is a great option for Disney fans looking to take the Disney experiences they know and love to the next level. In addition to the list above, youll also enjoy these benefits:

  • New Cardmember bonus in the form of a statement credit after making qualifying purchases
  • Earn 1% in Disney Rewards Dollars on all purchases8
  • No annual fee. Pricing & Terms

Disney Credit Card Review: Is It The Best Card For The Happiest Place On Earth

Disneys parks and resorts are a favorite destination for many families, but the costs of a Disney trip can really add up. You probably want to maximize your credit card rewards if youre planning on a family vacation to any Disney theme park, and a Disney credit card may seem like a good way to do that but is a Disney rewards card worth it?

Disney actually offers two rewards credit cards, but the Disney Premier Visa is the only one of the two that offers a reasonable rewards program. But even though you can earn bonus points for several different categories of spending, rewards redemption options are a bit limited with the Disney Premier Visa. So, even if youre about to head to Disneyland so your family can enjoy some fun with Mickey and Minnie, you may find that another rewards credit card is best for you.

In this review:

Other Perks & Discounts From The Disney Credit Cards

Although the signup bonus and rewards earnings are fairly weak compared to other rewards cards on the market, there is one field in which the Disney credit cards shine the extra perks! These cards offer discounts and special access that can really go a long way to making a Disney-loving familys Disney vacation even better. And these cards do that if used the right way.

Having either of the two Disney cards entitles the holder to the following additional perks and discounts:

  • 6 months 0% financing on Disney vacations and Disney Vacation Club purchases
  • 10% discounts on purchases at the Disney Store and shopDisney.com and on purchases over $50 at select merchandise locations at Disneyland, Walt Disney World, Aulani, and Disney Beach Resorts when mentioning the offer
  • 10% off select dining and recreation experiences at Disneyland and Walt Disney World
  • 15% off select guided tours and select spa and salon locations
  • Special Disney Cruise Line perks and discounts
  • Private character meet and greet with free photo download at Disneyland and Walt Disney World and
  • Ability to redeem points for an airline statement credit .

The card sometimes has other unannounced perks. In the past, cardholders have been able to have early access to free dining promotions at Walt Disney World. Additionally, there are limited time promotions and discounts continuously announced to keep card holders coming back.

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Is The Card For You

The Credit One Bank® Wander Card With No Annual Fee may make sense as an additional card for those who want to use it for targeted earning at amusement and recreational parksa category not often specifically rewarded by other cards. Though the annual fee relative of this card, the Credit One Bank® Wander Card, may make sense for the big-spending park goers, this card offers decent rewards that wont require a large spending threshold to offset a high annual fee with rewards earned. For benefits, everyday reward earning or anything else, we recommend looking elsewhere.

How Do I Learn More About The Disney Visa Credit Card Or Disney Premier Visa Credit Card

Exclusive Disney Art Featured on New Visa Debit Card ...

Visit DisneyRewards.com to learn more.

  • Disney Theme Park & Resort Perks

    Offers and offer elements including, but not limited to, participating locations and eligible items, are subject to availability, capacity limitations, closures and additional restrictions and exclusions, may change or be canceled without notice, and are not guaranteed. Must use your valid Disney Visa Card and/or Disney Rewards Redemption Card as form of payment at the time of purchase for full amount of purchase to receive special offers. Merchandise discount may not be available for certain items and at certain locations including Disneyland® Resort and Walt Disney World® Resort Operating Participant locations and any other locations or kiosks that are not owned or operated by the owners of the Disneyland® Resort or Walt Disney World® Resort. To receive a merchandise discount, you must mention the specific offer. For entry into the Disney or Star Wars Cardmember Photo Opportunities, you must present your valid Disney Visa Card. Not valid in combination with other offers, discounts, promotions or with any previous purchase. Minimum purchase and/or separate Theme Park admission and Theme Park reservation may be required. Offers are for personal use only and may not be transferred or resold. Chase is not responsible or liable for fulfillment of these Disney Theme Park and Resort perks.

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    Disney Premier Visas Excellent Perks

    In terms of superior benefits, the Disney Premier Visa offers one perk editors of The Balance consider excellent:

    • Insurance coverage for lost or delayed baggage: You can get up to $100 per day in reimbursement if your baggage is delayed by more than six hours and youre stuck buying toiletries and other supplies. This coverage is good for up to three days.

    Disney Premier Visa Card Review: Savings And Perks At Disney Locations

    Though the Disney Premier Visa® Credit Card can help make your Disney trip more affordable, it does come with some limitations that may only be worth it for true Disney enthusiasts.

    Advertiser Disclosure

    Advertiser Disclosure: ValuePenguin is an advertising-supported comparison service which receives compensation from some of the financial providers whose offers appear on our site. This compensation from our advertising partners may impact how and where products appear on our site . To provide more complete comparisons, the site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products.

    Editorial Note: The content of this article is based on the authors opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

    Citi is an advertising partner

    • Great Disney perks and savings
    • Comes with credit card protections
    • Various Disney-themed credit card styles to choose from

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    Is The Disney Visa Credit Card Worth It

    This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.

    If youre looking for the most affordable way to go to Disney World, Disneyland or on a Disney Cruise, you may have wondered if the Disney Visa is worth adding to your wallet. It earns Disney Rewards Dollars that you can use to pay for most things Disney, including trips to the parks or a cruise. And, after all, anything that makes a Disney trip more affordable can be a very good thing to consider.

    But the answer to whether or not the card is worth it is a little more complicated than a simple yes or no. Well break down how the Disney Visa works and when it is and isnt worth getting in anticipation of an upcoming Disney vacation.

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    Disney Visa Discounts & Perks

    Disney® Premier Visa® Card from Chase || Credit Card Review

    In addition to special offer eligibility, there are a range of discounts Disney Visa cardmembers are eligible to receive. Note that the vast majority of these are also available to debit cardholders, so if you dont want the credit card , thats something to consider.

    Here are the discounts:

    • 10% off merchandise purchases of $50 or more at certain Disneyland, Walt Disney World, Disney Cruise Line, and Aulani gift shops, as well as 10% off $50 purchases online at shopDisney.com.
    • 15% off tours at both Walt Disney World and Disneyland.
    • 10% off certain recreation at Walt Disney World.
    • 10% off certain restaurants at Walt Disney World and Disneyland.
    • 10% off Castaway Cay recreation packages for Disney Cruise Line.
    • 20% off select spa services aboard Disney Cruise Line.

    Here are other non-discount perks:

    Note that some/many of these perks are temporarily unavailable right now as Disneyland is closed and Walt Disney World is still in the process of its phased reopening. We expect more normalcy beginning in Spring 2021 and beyond

    Additionally, its not a perk per se, but you can choose the design of your Disney Visa Credit Card from roughly a dozen different designs. Its free and you can do so anytime. Plus, all Disney Visa Cards are now contactless and enabled for tap-to-pay.

    Right now, there are four different Star Wars Disney Visa credit card options, including Baby Yoda from the Mandalorian on Disney+. This newest look just debuted in November 2020!

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    Benefits Of The Disney Credit Card

    The Disney Premier Visa offers some undeniable perks, including the chance to earn bonus rewards on gas, groceries, and select dining locations, as well as Disney spending. An easy-to-earn signup bonus is also among the benefits of this card.

    Sign-Up Bonus

    New cardholders who sign up for the Disney Premier Visa can get a $250 statement credit after spending $500 within three months of opening the account. However, youre eligible for the bonus only if you havent already received a new cardmember bonus for the same card in the past two years.

    Chase Disney Rewards

    Chase makes it easy to earn rewards with your Disney Premier Visa. You can get 2% back in rewards points when you spend at most Disney locations, gas stations, restaurants, and grocery stores. For all other purchases, you get 1% back. The problem is, redemption isnt as flexible with this card as with most travel cards.

    Points can be redeemed for almost all Disney and Star Wars purchases at most Disney locations. This includes resort stays, shopping, theme park tickets, resort dining, and more.

    Points can also be redeemed for a statement credit when you purchase airline tickets using your card. Redemptions start at $50 for an airline statement credit when you purchase tickets to any destination. However, you cant use your points as miles to directly buy tickets, nor can you redeem points to help cover other travel costs, such as the cost of an overnight stay at a hotel thats not affiliated with Disney.

    Best Overall Credit Card For Disney And Universal

    Since theme park tickets most commonly code as either travel or entertainment, your safest bet when deciding which credit card to use is one that awards a bonus on both categories if you have one. Unfortunately, that is admittedly rare.

    The Citi Premier Card awards 2x Citi ThankYou points per dollar on entertainment charges and 3x ThankYou points per dollar spent on travel charges. Its also a pretty good card to use for theme park lunches since it awards 2x points per dollar on dining. If you dont want to overthink things, this card is a really good bet.

    Citi ThankYou points are transferrable to airline partners and are currently valued by TPG at 1.7 cents each, giving you a return of 3.4 to 5.1 cents in rewards in categories where you earn 2 3 points per dollar spent.

    Unfortunately, this card is discontinuing its previous earning structure for current cardholders on April 9, 2021. Starting then, the card will no longer award 3x on travel and 2x on entertainment but instead will award 3x on air travel, hotels and gas stations along with supermarkets and restaurants. Entertainment will no longer be a bonus category on that card.

    Once that happens, the best option may be the Capital One Savor Cash Rewards Credit Card for 4% back on entertainment expenses. However, because all of this is clear as mud, we have received some reports of theme park ticket purchases with the Savor card coding as travel.

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    Best Credit Cards For Disney Vacations Of 2021

    Rewards, welcome bonuses, $0 annual fees and even introductory 0% APRs make these credit cards the best for your Disney vacation, helping bring the magic of Disney a little closer without quite so hefty a hit to your wallet.

    A Disney vacation can be the source of family memories that will last a lifetime. But it can also be the source of debt that seems to last just as long. It’s no secret that a journey to visit everyone’s favorite mouse can put a serious dent in your wallet. But there’s good news! If you play your cards right and utilize one of our top picks for the best credit cards from our partners for Disney vacations, your journey could be significantly less expensive and could even provide a nice bank of rewards to help you pay for your next trip, whether to a Disney destination or elsewhere.

    Depending on your travel and activity habits, the right credit cards can generate significant cash back and other rewards, including help paying for future trips. For those of you who are genuine Disney junkies, having a Disney Rewards-specific card in your wallet could prove ideal, but you don’t need to be on a first-name basis with the clerk at the Winnie-The-Pooh Gift Shop or have had Sleepy, Grumpy and Sneezy in your wedding party to reap rewards from your Disney vacation .

    Last Resort: Best Cards For Everyday Spending

    Disney Premier Visa Card vs. Disney Visa Card

    If you arent sure how a charge will code, using a strong card for everyday spending isnt the worst plan. Thats what TPGs CEO Brian Kelly did when he purchased a pricey Disney VIP tour using his Chase Freedom Unlimited and wanted to be sure he earned a good number of points no matter how it coded.

    *Value of Rewards based on TPG valuations and not provided by the issuer.

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    Disney Premier Visa Review

    We publish unbiased reviews our opinions are our own and are not influenced by payments we receive from our advertising partners. Learn about our independent review process and partners in our advertiser disclosure.

    The Disney Premier Visa, issued by Chase, lets cardholders earn Disney Rewards Dollars, which may be considered valuable by true Disney enthusiasts. If you want to earn rewards accepted at Disney parks and stores, plus a handful of Disney-related perks, then this card may be for you.

    Why Credit Card Companies Waive Annual Fees For Military

    The two relevant laws to this issue are the SCRA or MLA. The SCRA, or Servicemembers Civil Relief Act, is designed to protect SMs from civil suits and financial issues arising from their active duty military service.

    The Military Lending Act, or MLA, is a recent law that is designed to prevent predatory lending practices from targeting military servicemembers. It caps the interest rate that any lender can charge military servicemembers at 36% per year.

    Note that when I refer to active duty military servicemembers, that means anyone on active duty military orders 30 days or greater. So National Guard and Reservists are eligible for these benefits if activated. Save a copy of your orders to provide to the respective company.

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    Disney Credit Card Signup Bonuses

    One of the reasons many families get a rewards credit card is to take advantage of a generous signup bonus. These bonuses hit your account quickly, usually after meeting a required initial spend in a short period of time. Credit card welcome bonuses are a great way to get some near instant gratification and make significant headway towards free travel.

    Some airline and hotel cards regularly offer signup bonuses as large as 50,000-100,000 miles or points. These can sometimes equal over $1000 in travel value depending on how the recipient redeems them.

    The Disney cards from Chase, in comparison, offer fairly modest signup bonuses. As of August 2021, the current public offer for the no-annual fee Disney Visa Card is a $150 statement credit after spending $500 on the card within 3 months after account opening. The Disney Premier Visa Card currently offers a $300 statement credit when you spend $1000 in purchases on the card in the first three months.

    As the Premier will earn a signup bonus that is $150 more in value, the bonus more than cancels out the $49 difference in annual fee. This makes the Premier card initially more lucrative. For that reason, a lot of folks may want to start with the Premier card for one year for the better bonus and downgrade to the regular card later .

    Disney Credit Cards: How They Work

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    The first step of realizing how unfruitful having a co-branded Disney credit card can be is understanding how their programs stack up to other, better rewards cards. So, lets start there.

    First off, Disney offers two rewards cards that purportedly help you earn rewards for use at their parks the Disney Rewards® Visa® Card and a Disney Premier Visa® Card.

    As you can see, both cards let you rack up Disney Rewards Dollars good for on-park purchases. The Premier version of the card even lets you redeem points for airfare with any airline, so thats good.

    But whats especially egregious to me is the fact that the Premier card charges a $49 annual fee! In exchange, you earn a $200 signup bonus, 2x points at gas stations, grocery stores, restaurants, and *most* Disney locations, and one point per dollar spent on all other purchases. Considering the fact you can earn double points or more with cards that dont charge an annual fee, its easy to see why this is a bad deal.

    But, whats even more annoying is the redemption side of things. You can redeem your points for stays at Disney Parks and Resorts in other words, park tickets and on-property Disney hotels. You can also redeem them for Disney merchandise and Disney cruises.

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