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Disney vacations aren’t cheap, but for many people they can be a dream come true. A Disney credit card is one way to make it easier to pay for your vacation to Orlando’s Disney World Resort or Disneyland in Anaheim, Calif.
You’ll get a ton of Disney-exclusive perks with the Disney Visa® or the Disney Premier® Visa®. With rewards and discounts, these cards can also help you reduce the cost of your Disney vacation.
But if you visit other vacation destinations throughout the year, or even travel frequently for business, other travel rewards cards, like the Chase Sapphire Preferred® Card or Capital One® Venture® Rewards Credit Card, might be a better value.
How Disney credit cards compare
A Disney Visa credit card issued by Chase is a great way to show that you’re a Disney or Star Wars fan, with 10 different Disney and Star Wars designs available. When you use the Disney® Visa® Card or the Disney® Premier Visa® Card, you’ll earn Disney Rewards Dollars every time you shop, wherever you are. Those rewards are loaded onto a Disney Redemption card, which you can use to pay for Disney vacations, merchandise and more, including tickets to see Disney and Star Wars movies at select theaters.
In terms of rewards, which is the best Disney credit card? The Disney Premier card gives you 2% in rewards at gas stations, grocery stores, restaurants and most Disney locations and 1% on all other purchases. The Disney Visa gives you 1% on every purchase.
The Premier card also lets you redeem airline ticket purchases for a statement credit, so, in theory, you can pay for your entire Disney vacation — including airline travel, hotel accommodations, park tickets and souvenirs — with your Rewards Dollars.
The Premier card has a $49 annual fee, but you can easily earn that back with a $200 statement credit after you make $500 in purchases within the first 3 months of account opening. The regular Disney Visa has no annual fee and a $50 bonus after your first purchase with the card.
Straightforward travel credit cards with moderate rewards, the Disney credit cards may not be the best value for frequent travelers, but the Disney perks — which we’ll explore later — make them appealing to die-hard Disney and Star Wars fans.
|Interest||Rewards||Annual fee||Perks||Sign-up bonus|
|Disney Visa||0% for 6 mos. on Disney vacations and 18.24% variable thereafter||1% on purchases||$0||Discounts at Disney parks and stores, special experiences||$50 after your first purchase with the card|
|Disney Premier Visa||0% for 6 mos. on Disney vacations and 18.24% variable thereafter||2% at gas stations, grocery stores, restaurants and select Disney purchases
1% everywhere else
|$49||Discounts at Disney parks and stores, special experiences, airline reimbursement with Rewards Dollars||$200 after you spend $500 in the first 3 months|
What credit score do you need for Disney cards?
These cards aren’t among the top tier of rewards credit cards, which means even those with fair to good credit may qualify, depending on creditworthiness. A credit score as low as 570 may allow you to qualify for the Disney Visa.
What is the interest rate on a Disney credit card?
The Disney Visa cards carry an interest rate of 18.24% variable for purchases and balance transfers. You’ll pay 27.24% variable for cash advances, along with a $10 or 3% fee (whichever is greater). The balance transfer fee is $5 or 3% of the transfer amount, whichever is greater.
The Disney Visa cards also have a 3% foreign transaction fee. For travel abroad, even to Disney properties, you may want to consider the Capital One Venture Rewards card, which has a more robust rewards program and no foreign transaction fees.
One advantage of the Disney Visa cards? You can get a 6-month 0% intro APR on select Disney vacation packages or the purchase of a real estate interest, including Member Add On, in a Disney Vacation Club® Resort. After the first 6 months, the APR is 18.24% variable.
Can you request a credit line increase?
You may be wondering, “What if I overspend on my Disney vacation? Can I request a credit line increase on this card?”
You can request a credit line increase by calling (800) 300-8575. You can also call the same number to upgrade your Disney Visa to the Disney Premier Visa.
What are the fringe benefits of Disney credit cards?
Disney Visa cards open a whole new world of exciting benefits and exclusive experiences for Disney fans. They include:
- Enjoy 10% off select Disney purchases and 10% off at select dining locations at Disneyland® and Walt Disney World® Resorts.
- Save 10% on purchases at Disney store locations and shopDisney.com.
- Unlock exclusive character experiences with Disney and Star Wars characters inside the parks.
- Save 15% on special tours and select spa or salon treatments at Disney World in Orlando and 10% on select recreation experiences at Walt Disney World Resort.
- You’ll also save up to 20% on purchases at select Disney Springs stores and restaurants.
West Coast Disney fans also get plenty to celebrate at the happiest place on Earth, with 10% off select merchandise and dining, 15% off select guided tours and 10% off purchases at select Downtown Disney stores and restaurants.
Guests at Aulani, A Disney Resort & Spa, Ko Olina, Hawai’i and the Disney Hilton Head Island resort also enjoy similar perks and discounts.
Even when you’re not on vacation, you can enjoy special treats as a cardholder, with invitations to special events at Disney store locations nationwide.
Is Disney Visa the best card for a Disney cruise?
The perks don’t stop on land. Simply register your Disney Visa as your form of payment for all purchases on your Disney cruise and get 10% off select Disney Cruise Line photo packages, select merchandise and Castaway Cay Getaway Packages, which are shore excursions on Disney’s exclusive island in the Bahamas. Need a break after all that shopping and snorkeling? Get 20% off onboard spa treatments, including massages and facials.
In spite of these discounts, a Disney credit card may not be your best value for a Disney cruise. Other travel rewards credit cards could be considered the best credit cards for a cruise and will also deliver better rewards year-round.
Alternatives to Disney credit cards
While the exclusive experiences and perks may sound exciting, Disney credit cards may not be the best travel credit cards for your Disney vacation if you’re looking to maximize your rewards.
Especially if you have a good or excellent credit score, you can use other travel rewards credit cards to earn points and redeem rewards for flights, hotels, park tickets, dining and more.
For instance, the Chase Sapphire Preferred credit card offers 2X rewards on travel and dining and 1X rewards everywhere else. The card has a $95 annual fee, but you’ll earn 60,000 bonus points — worth $750 in travel through the Chase Ultimate Rewards® portal — when you spend $4,000 on purchases in the first 3 months. While it’s similar to the Disney Premier card, it gives you the flexibility to use your travel rewards for many different destinations you can book through the Chase Ultimate Rewards portal.
Capital One Venture Rewards offers an even better return on investment. Pay no annual fee the first year ($95 after that) and rack up the travel rewards at a rate of 2X miles on every purchase, plus 10X miles on hotel stays booked and paid for through hotels.com/venture through January 2020. Get a bonus of 50,000 miles (worth $500 in travel) when you spend $3,000 in purchases within 3 months of opening your account.
For travelers seeking flexibility to spend their rewards on any vacation, not just Disney trips, Chase, Capital One and other credit card issuers provide better deals.
But if you’re looking to show your Disney spirit by carrying a card bearing the likeness of Tinkerbell or Yoda and get treated like a VIP on Disney property, it could be worth it to add the Disney Visa or Disney Premier Visa to your wallet.
The information for the Disney Visa and Disney Premier Visa has been collected independently by Bankrate.com. The card details on this page have not been reviewed or provided by the card issuer.
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