Disney^® Visa^® Card Review [2024]: Not Worth Its Weight In Plastic

Disney Visa Card overview

Simply put, the Disney Visa Card is a disappointing option for Disney enthusiasts. Even if you take a Disney vacation a couple of times a year, the card likely isn’t worth a temporary ding on your credit score for applying. It earns just 1% in Disney Rewards Dollars on all purchases, with no opportunity to earn bonus Dollars or maximize redemptions.

The main draw of the card is the opportunity to visit cardholder-exclusive locations at Disney parks and interact with characters. This is a decent enough perk, but not one that would make many people apply for a credit card.

Additionally, cardholders receive exclusive discounts on select Disney purchases. Again, this is nice, but nothing that makes a huge difference. All in all, the meager earnings and limited benefits make the Disney Visa Card a miss for almost any traveler.

Disney Visa Card basics

FinanceBuzz star rating	3.9 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.
Annual fee	$0
Welcome offer	Earn a $200 Statement Credit after you spend $500 on purchases in the first 3 months from account opening
FinanceBuzz value calculation1	Year one earnings: $655 Year two earnings: $455
Earnings	1% in Disney Rewards Dollars on all purchases
Recommended credit score	Excellent, Good
Intro APR	0% intro APR on select Disney vacation packages for 6 months from the date of purchase, then 18.74% - 27.74% Variable
Foreign transaction fee	3%

Disney Visa Card Rewards

Earning potential

Cardholders of the Disney Visa Card can earn 1% in Disney Rewards Dollars on all purchases. So, $100 in card spending earns 1 Disney Rewards Dollar, which equates to $1 spent on Disney purchases. This card has very low earning potential and won’t make sense to the vast majority of consumers.

New cardholders can earn a $200 Statement Credit after you spend $500 on purchases in the first 3 months from account opening.

Redemption methods

The earning potential is subpar, and the redemption method is much more complicated than it should be. Starting at 20 Disney Rewards Dollars, you can order and load a Redemption Card. If you already have a Redemption Card, you’ll need just 10 Rewards Dollars to reload. You can order a Redemption Card online, through the Chase mobile app, or at Disney Park locations.

Once you order a card, it will arrive in five to eight business days. This puts quite a delay on redeeming your rewards. If you want a quicker option, you can use Chase’s Pay Yourself Back feature to redeem Rewards Dollars for a statement credit toward purchases made at most Disney locations in the U.S. and online at Disney sites, including DisneyStore.com, DisneyPlus.com, Hulu.com, and ESPNPlus.com within 90 days from the purchase date.

You can use your Redemption Card at the following locations:

• Walt Disney World Resort
• Disneyland Resort
• Disney Cruise Line
• Disney Springs at Walt Disney World Resort
• Downtown Disney District at the Disneyland Resort
• Disney Shopping
• Disney Entertainment
• Other U.S. Disney Vacation Destinations
• AMC Theatres

The only redemption option outside of the realm of Disney is at AMC movie theatres. Even then, rewards are only good toward tickets for Disney, Disney-Pixar, Marvel, or Star Wars movie tickets.

Potential earnings in years one and two

Here's a look at how your rewards can add up with the Disney Visa Card. We calculated these values using a point valuation of $0.01.

Remember, this is an estimation. Your actual value will be determined by how much you spend and in which categories.

Year one earnings: $655
Year two earnings: $455

These values are based on the FinanceBuzz Credit Card Rewards Valuation Model, which takes a look at points earned via spending, the welcome bonus, and the annual fee.

Disney Visa Card benefits

• Vacation financing: The Disney Visa Card offers special vacation financing: 0% intro APR on select Disney vacation packages for 6 months from the date of purchase (then 18.74% - 27.74% Variable). You can book your next Disney trip and pay it off over time.
• Disney discounts: Enjoy exclusive Disney discounts like 10% off select purchases at DisneyStore.com, 10% off select merchandise purchases at select locations, 10% off at select dining locations most days at the Disneyland Resort and Walt Disney World Resorts, and 15% off the non-discounted price of select guided tours at the Disneyland Resort and Walt Disney World Resort
• Exclusive events: The Disney Visa Card unlocks access to special events, such as exclusive Disney and Star Wars character experiences at Walt Disney World and Disneyland.
• DoorDash benefits: Receive a complimentary 12-month DashPass subscription if activated by Jan. 31, 2025.
• Protections: Cardholders receive baggage delay insurance, purchase protection, and extended warranty protection.
• Select your card design: You can choose from several card designs, including Mickey and Friends, Retro Walt Disney World, and Toy Story.

Other cards to consider

If earning Disney Rewards Dollars is your ultimate goal, the Disney^® Premier Visa^® Card will get you there much faster than the Disney Visa Card. It offers a larger welcome offer and a higher earning rate.

Although it does have a $49 annual fee, the Disney Premier Visa also gives the option to redeem Rewards Dollars for a statement credit for air travel. The rest of this card’s perks are almost identical to those you get with the Disney Visa Card.

Almost any other card will likely make more sense for even the most loyal Disney enthusiasts. For example, the Chase Sapphire Preferred^® Card earns 5X points on travel purchased through Chase Travel℠, and the Wells Fargo Active Cash^® Card allows you to earn unlimited 2% cash rewards on purchases. The higher earning potential on these cards allows you to offset the cost of your vacation while simultaneously earning other benefits. The only leg up that Disney co-branded cards have is the opportunity for cardholder exclusive Disney experiences and savings on select Disney purchases.

Who should get the Disney Visa Card?

The Disney Visa Card likely doesn’t make sense for anyone except the most hardcore Disney fan. Even then, the earning potential is so low and redemption methods so bleak that Disney lovers would be much better off with a different card.

It would only make sense to hold the Disney Visa Card if you want access to cardholder experiences like special photos with characters and complimentary photo downloads. If that’s the case, the Disney Visa has a $0 annual fee, and you can use it on the occasional Disney purchase without worrying about accumulating your Disney Rewards Dollars. If you are actually concerned with offsetting the cost of a Disney vacation, it would be much better to utilize a different card.

FAQs

Bottom line

The Disney Visa Card can be a decent option for people who love going on vacation to Disney parks and resorts and who want to use this card to access Disney perks. If you’re not a big Disney fan or only go to the parks every few years, another rewards credit card that earns more on everyday purchases might be a better option for you.

Decent Rewards for Disney Fans

Disney^® Visa^® Card

3.9

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Disney^® Visa^® Card

Apply Now

Current Offer

Earn a $200 Statement Credit after you spend $500 on purchases in the first 3 months from account opening

Annual Fee

$0

Rewards Rate

1% in Disney Rewards Dollars on all purchases

Benefits and Drawbacks

Benefits

• Discounts on select Disney purchases
• Intro vacation financing offer on select Disney vacation packages
• $0 annual fee

Drawbacks

• Low earning potential
• No redemption flexibility
• Limited benefits

Card Details

• Earn a $200 Statement Credit after you spend $500 on purchases in the first 3 months from account opening.
• Earn 1% in Disney Rewards Dollars on all card purchases. There are no limits to the number of Rewards Dollars you can earn.
• 0% promo APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 18.74% to 27.74%
• 10% off select merchandise purchases at select locations and 10% off select dining locations most days at the Disneyland® Resort and Walt Disney World® Resort.
• Save 10% on select purchases at DisneyStore.com
• Member FDIC