Chase Disney Visa Review 2024

As a fan of Disney, you might be intrigued by carrying a credit card with your favorite character on it, especially one with some Disney park perks. However, the rewards structure on the Disney® Visa® Card* isn’t as exciting as cast members in the parks, and the earning rate sets off no fireworks.

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Citi Double Cash® Card

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Rates & Fees

Welcome Bonus

Earn $200 cash back

Annual Fee

$0

Credit Score

Excellent, Good, Fair

Regular APR

19.24% - 29.24% (Variable)

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Wells Fargo Active Cash® Card

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Rates & Fees

Welcome Bonus

$200 Cash Rewards

Annual Fee

$0

Credit Score

Excellent, Good

Regular APR

20.24%, 25.24%, or 29.99% Variable APR

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months

Chase Freedom Unlimited®

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On Chase Bank USA, NA's Website

Welcome Bonus

Up to $300 cash back

Annual Fee

$0

Credit Score

Excellent, Good

Regular APR

20.49% - 29.24% Variable

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.

• $0 annual fee
• $250 statement credit after spending $500 on purchases in the first 3 months from account opening
• 1% in Disney Rewards Dollars on all card purchases
• 10% off select purchases at shopDisney.com
• 10% off eligible merchandise purchases at select locations at the Disneyland and Disney World resorts
• 10% off eligible dining purchases at Disneyland and Disney World
• 15% off select Disneyland and Disney World guided tours
• Character photo opportunities
• Special financing on select Disney vacation packages
• Exclusive cardmember events

Earning Rewards

The Disney® Visa® Card* offers 1% in Disney Rewards Dollars on all card purchases. You can earn unlimited rewards using the Disney® Visa® Card* on purchases, but they expire five years after posting to your account. However, once you transfer the Disney Rewards Dollars to a Disney Rewards Redemption Card (more on that below), those rewards never expire.

The card also comes with a welcome bonus: Earn a $250 statement credit after spending $500 on purchases in the first 3 months from account opening.

Redeeming Rewards

Rewards are earned in the form of Disney Rewards Dollars, which can be redeemed toward Disney goods and services. You’ll earn at a rate of 1% in Disney Rewards Dollars on all card purchases.

However, to redeem these rewards, you must get a reloadable redemption card, which can be obtained by going to DisneyRewards.com, calling 1-800-300-8575 or at various theme park locations. Then, you have to transfer your Disney Rewards Dollars to the card.

For the first reward transfer, you’ll have to accumulate at least 20 Rewards Dollars, which can be achieved by spending $2,000 on the Disney® Visa® Card*. All subsequent transfers must be at least 10 Rewards Dollars.

Once you transfer the Disney Rewards Dollars to your redemption card, they’re available for use at Walt Disney World and Disneyland resorts (in the U.S. only), on Disney Cruise Lines, at a Disney Store and toward Disney, Pixar and “Star Wars” movies at AMC Theaters.

Rewards Potential

Forbes Advisor uses data from various government agencies to determine baseline income and spending averages across various categories. The 70th percentile of wage-earning households brings in $116,000 annually and has $36,177 in expenses that can be reasonably charged to a credit card.

Disney® Visa® Card* Rewards Potential
Category	Earning Rate	Estimated Annual Spend	Estimated Annual Earnings
All purchases	1X	$36,177	36,177
			Total: 361.77 Disney Rewards Dollars

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By holding the Disney® Visa® Card*, you qualify for a special 0% intro APR for 6 months on select Disney vacation package purchases, then a 19.24% - 28.24% variable APR on purchases and balance transfers applies. A balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater, applies. This special financing can be used with select Disney vacation packages, Disney cruises, Adventures by Disney packages and packages at the Aulani resort.

To qualify for this financing, Disney specifies your trip must be booked via the Walt Disney Travel Company, online at Disney sites or with an eligible travel agent or site.

We don’t recommend buying vacations with a credit card that you can’t pay off in full when the statement closes, but this could be a useful option for those who can pay off the balance within the promotional period.

• Merchandise discounts. Take advantage of a 10% discount on select purchases at shopDisney.com and eligible merchandise purchases at select Disneyland and Disney World locations when you pay with the Disney® Visa® Card* or your Disney Rewards Dollars.
• Dining discounts. Use your Disney-branded credit card or Disney Rewards Dollars at participating locations to pay for food and beverages and receive 10% off your purchase.
• Character photo opportunities. Enjoy special photo opportunities with Disney and Star Wars characters at private cardmember locations at Disneyland and Disney World.
• Disney on Broadway discounts. Buy premium tickets to select Disney on Broadway shows and get a VIP package.

Interest Rates

• Regular APR: 19.24% - 28.24% variable
• Purchase intro APR: 0% Intro APR on purchases for 6 months on select Disney vacation packages
• Balance transfer intro APR: N/A

Fees

• Annual fee: $0
• Balance transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater
• Foreign purchase transaction fee: 3% of each transaction in U.S. dollars

Disney® Visa® Card* vs. Disney® Premier Visa® Card*

Chase issues two Disney credit cards: the Disney® Visa® Card* and the Disney® Premier Visa® Card*. The welcome offer on the Disney® Premier Visa® Card* is more lucrative: $300 Statement Credit after you spend $1000 on purchases in the first 3 months from account opening. The Disney® Premier Visa® Card* also comes with more lucrative rewards earnings: 5% in Disney Rewards Dollars on card purchases made directly at DisneyPlus.com, Hulu.com or ESPNPlus.com, 2% on card purchases at gas stations, grocery stores, restaurants and most Disney locations. Plus, earn 1% on all other card purchases. However, the card charges an annual fee of $49.

The most notable difference between the two cards is how rewards can be redeemed. In addition to the options for using Disney Rewards Dollars offered by the Disney® Visa® Card*, you can also redeem rewards toward airline tickets when using the Disney® Premier Visa® Card*.

If you make at least $2,500 in purchases per year that earn 2% back, you’ll earn enough in rewards to recoup the annual fee.

Disney® Visa® Card* vs. Citi Double Cash® Card

Another more flexible and rewarding credit card for cash-back fanatics is the Citi Double Cash® Card which earns 2% cash back on all purchases—1% when purchases are made and another 1% when they’re paid off.

This means the net earnings on the Citi Double Cash® Card are double those on the Disney® Visa® Card*. Plus, the rewards earned with the Double Cash can be redeemed in a variety of ways that many consumers will likely find more useful than Disney Rewards Dollars.

The Double Cash earns Citi ThankYou® Points, which can be redeemed as cash back to a bank account, a statement credit against your balance, for gift cards from various retailers, to shop with points at participating online merchants or transferred to Citi’s airline and hotel partners. When it comes to earning cash back without paying an annual fee, the Citi Double Cash® Card is hard to beat.

Disney® Visa® Card* vs. Hotel Credit Cards

Your ultimate goal in seeking out Disney Rewards Dollars is likely getting a discount on a trip to Disneyland or Disney World, and you can use hotel rewards to score some inexpensive nights.

On the West Coast, a Marriott-branded card might help you save on your next Disneyland vacation. For a $95 annual fee, the Marriott Bonvoy Boundless® Credit Card*, with its annual free night certificate (for stays valued at 35,000 points or fewer), could be the right choice for your wallet.

If your Disney Dreams are beckoning you to Florida, you won’t do better than the Hilton Honors Aspire Card from American Express*. While it can be tough to pick the best credit card for your next Disney trip, the Hilton Aspire can get you up to a week’s stay at a Disney World hotel with the welcome bonus of 150,000 bonus points after spending $6,000 in purchases within the first 6 months of card membership and using your free night award. However, it comes with a steep $550 annual fee.

Read more: Best Credit Cards

Because the Disney® Visa® Card* has no annual fee, you might consider keeping it in your wallet for the perks. Although the rewards technically don’t cost a thing, the Disney Visa still isn’t the best option for earning rewards.

If you’re set on a Disney card, consider that you can get the same perks with the Disney® Premier Visa® Card*, which has a higher rate of return for a minimal annual fee.

Forbes Advisor considers a variety of criteria when assigning credit cards a rating. Cards are graded based on numerous factors, including:

• Annual fees
• Welcome bonus offers
• Ongoing earning rates
• Value of individual points or miles
• Included travel or merchant credits
• Additional cardholder benefits

Card features we expect cardholders to use the most often are weighted more heavily in our ratings. Altogether, the factors came together to provide a star rating for each individual card.

Read more: How Forbes Advisor Rates Credit Cards