In the event you’re on the lookout for 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 costs) and the Disney® Premier Visa® Card (see charges and costs) — are first rate choices.
Each playing cards earn Disney Rewards {Dollars} that you need to use to pay for many issues Disney, together with journeys to the parks or a cruise and have elevated bonuses proper now. And, in any case, something that makes a Disney journey extra reasonably priced might be value contemplating.
There is no one-size-fits-all reply as to if the Disney Visa bank cards are value it, however there are occasions they could be a clever alternative.
We’ll break down how the playing cards work and when they’re — and are not — value 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 increased than the conventional $150 bonus and a strong provide 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 should you’ve been enthusiastic about 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 first rate return.
After all, there are welcome bonuses on the market value $1,000 or extra, however they could include increased annual charges or increased spending necessities.
Reward your inbox with the TPG Every day e-newsletter
Be part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s specialists
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 need to use that to offset $750 in journey expenses put in your card, so it might basically prevent $750 (aside from the $95 annual payment) on eligible journey bills in your Disney journey.
After all, should you’re capable of hit the spending necessities on a couple of card, you possibly can theoretically get a number of bonuses to assist defer the price of your Disney journey. However it’s good to match the worth of every card to make sure you get one which most accurately fits your monetary and journey wants.
Associated: Finest journey bank cards
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 need to use at Disney.
The Disney Premier Visa earns:
- 5% on card purchases made instantly at DisneyPlus.com, Hulu.com or ESPNPlus.com
- 2% on purchases at gasoline stations, grocery shops, eating places and most Disney U.S. places
- 1% in all places 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 will 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 too can redeem your {dollars} for a press release credit score towards airline purchases made instantly with the airline.
Incomes as much as 5% again in Disney Rewards {Dollars} in some spending classes, equivalent to on Disney+ subscriptions, is not dangerous, 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 at the very least 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 gasoline stations. The rewards these playing cards earn are sometimes transferable to airline and lodge companions, supplying you with nice worth.
In different phrases, whereas Disney Rewards {Dollars} will doubtless be simple to spend for Disney followers, the incomes charges on these playing cards outdoors of some bonus classes usually are not probably the most compelling available on the market.
Associated: One of the best 2% cash-back bank cards
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 trying to trip with Mickey and pals.
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 places. 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 a number of.
Ten p.c off the value of eating, particularly character eating, over the course of some meals for a household can doubtless cowl the price of the cardboard’s annual payment.
1 of 7
SUMMER HULL/THE POINTS GUY
Associated: These are the perfect eating places at Disney World
You may as well 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.
Extra 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 provide 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 normal buy APR will apply.
Entry to particular characters and cardholder merch
The Disney Visa Card and Disney Premier Visa Card provide you with entry to issues like unique character photograph alternatives within the Disney Parks with out the conventional strains and entry to particular merchandise, equivalent to a cardholder-exclusive Disneyland seventieth anniversary Tinkerbell pin.
Associated: Is Disney Cruise Line concierge stage value it? We examined it to search out out
Why the Disney debit card might be a terrific answer
At TPG, we aren’t large followers of utilizing debit playing cards for on a regular basis purchases, as you sometimes do not earn rewards or have the identical stage of built-in protections as with bank cards. That stated, the Disney® Visa® Debit Card might make sense should you’re primarily within the Disney perks that include having the Disney playing cards.
Having the debit card will not rely in opposition to 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’ll need a Chase checking account to entry this debit card possibility.
The Disney debit card does not earn rewards, however it will get you entry to most of the identical photograph ops and reductions because the Disney Visa bank cards. It is a method to get the perks however keep away from charges or utilizing a 5/24 slot on a Disney bank card.
The knowledge 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 offered by the cardboard issuer.
Associated: 4 the explanation why you should not use your debit card (besides at ATMs)
Why the Disney Visa playing cards aren’t all the time your best 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 accessible Disney design choices.
If the built-in perks sound intriguing, a Disney Visa is perhaps best for you since these perks usually are not replicated on different playing cards.
In the event you spend quite a bit 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 think about different choices in maximizing these bills.
Associated: use factors to purchase Disney tickets
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 individuals who wish to maximize the distinctive Disney perks and reductions.
However when it comes to 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 purpose is to earn factors to make use of in your subsequent Disney journey.
As a substitute, learn our information to the perfect bank cards for Disney holidays to save lots of probably the most cash and earn most factors in your subsequent Disney trip.
And for a deeper dive into the Disney playing cards, try our full evaluate of the Disney Premier Visa and full evaluate of the Disney Visa.
Apply right here: Disney Visa Card
Apply right here: Disney Premier Visa Card
