Is the Disney Rewards Visa Credit Card Worth Getting?

by joeheg

Sharon and I have been Disney fans for most of our lives. It should be no surprise that we have the Disney Rewards Visa credit card offered by Chase.

When it was introduced, I submitted my application before the card was released. My card says Cardmember since DAY 1. It’s not the first Disney card I’ve had in my life. As you see, I’ve had several.


I occasionally use my Chase Disney card to prevent account closure due to inactivity.

Why keep a card that I don’t use? There are several reasons:

  • The card has no annual fee
  • I’ve had the card for a long time, so it helps my credit score
  • I like having a Disney card
  • The card has valuable benefits when visiting Disney Themeparks

Annual Fee

The Disney Visa card has no annual fee.

Sign-Up Bonus

The Disney Visa Card offers a $250 statement credit after you spend $500 on purchases in the first 3 months from account opening with this link. We receive a referral bonus if you sign up with our link, which is always appreciated.

Per Chase’s rules, this product is only available if you don’t currently have this card and have not received a new Cardmember bonus for this credit card in the past 24 months. Applicants must also be under Chase’s 5/24 requirement.

Foreign Transaction Fee

If you use this card internationally, you’ll pay a 3% foreign transaction fee. It’s best to leave this card at home when traveling outside the U.S. and use a card that doesn’t charge a foreign transaction fee.

Earning Disney Reward Dollars

The Disney Visa Card earns Disney Reward Dollars. You’ll earn 1% in Disney Rewards Dollars on everyday card purchases.

Using Disney Reward Dollars

Reward Dollars can be used for Disney experiences at most Disney locations. A complete list of where you can use Reward Dollars can be found at

Additional Card Benefits

  • 10% savings on purchases at
  • 10% off select merchandise purchases at select locations at Walt Disney World and Disneyland
  • Disney Character Experiences and Star Wars Character Experiences at our private Cardmember locations at Disneyland and Walt Disney World Resorts. You’ll receive downloads of your photos to mark your visit
  • 10% off select dining locations most days at Disneyland and Walt Disney World
  • 15% off the non-discounted price of select guided tours at the Walt Disney World Resort and Disneyland
  • Receive a promotional APR of 0% for 6 months on select Disney vacation packages, Disney cruises, Adventures by Disney® packages, National Geographic Expeditions and Aulani, A Disney Resort & Spa, Ko Olina, Hawai‘i vacation packages from the date of purchase with your Disney Visa Credit Card when booked through the Walt Disney Travel Company, online at Disney sites or through other eligible travel agents or sites
  • Get 0% promotional APR financing for 6 months on the amount of the purchase of a real estate interest, including a Member Add On, in a Disney Vacation Club® Resort that is charged to your Disney Visa Card

That’s a bunch of benefits, but what are they worth, and should you use the card for everyday spending?

The 1% in reward dollars on purchases is abysmal. If you had a different card from Chase, like the Freedom Unlimited, you would earn a least 1.5% cashback on all purchases, so earning only 1% back is disappointing in comparison. I look back to when I used a $200 credit I earned with this card for a Disney Cruise. That means I put $20,000 of charges on this card over several years. I could have placed that spending on a card that would have earned me so much more if I had known better back then. Don’t make the same mistake I did.

10% savings on Disney purchases might be a great value to you, but we don’t buy many things at Disney anymore.

Disney and Star Wars Character Experiences. This is a perk that can save you a bunch of time. When we went, the line for the Star Wars Experience was around 45 minutes. After showing my Disney Visa, we were escorted to a special line and waited 5 minutes before our audience with Darth Vader. I’m keeping the card for this benefit alone.


Darth Vader was not happy with Sharon’s photobomb

The 10% off dining overlaps with the discount I get from my Disney Vacation Club membership, so I don’t get any additional value from it.

We’ve done all the Disney tours we’ve wanted to see, so the 15% off the non-discounted price of tours isn’t helpful to us.

I have used the 0% interest when paying for a cruise once since I’ve had the card.

I find the Disney card’s perks valuable, and I keep it because it doesn’t have an annual fee. It’s always a good idea to keep cards that don’t cost you anything. One aspect of your credit score is the average age of your accounts. Holding onto a card for a long time increases your average account age. When you’re just starting out with credit, you might open several cards quickly. If you have a thin credit history, that average account age can drop quickly. I’ve had this card since 2003, and I have no plans of getting rid of it.”

Finally, I really do like having a Disney Credit Card. It’s something I think I’ve had as long as I’ve had credit. I’m also totally not going to give up our current card design. The Tinker Bell card is no longer offered, so if I ever change to one of the newer card designs, we can never get it back.

a credit card with a cartoon character

So, I’m keeping my no-annual-fee Disney card with Tinker Bell on it. If you’re a Disney fan, it’s a worthwhile thing to think about. It’s just not a great card to put a large amount of spending on.

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This post first appeared on Your Mileage May Vary


Don February 10, 2017 - 5:58 pm

Since most Wag pharmacists have Fidelity accounts, their Visa card rewards get turned into dollars, which Re automatically deposited into your account quarterly.

joeheg February 10, 2017 - 6:15 pm

The Fidelity Rewards Visa is another example of a card, like the Citi Double Cash, that earns 2% back on all purchases with no annual fee. It’s a solid option for those looking for a cash back card. As you mentioned, it does work best for those who already have Fidelity accounts since that is the only way to deposit your earnings.

Our Interview With Million Mile Secrets! – Your Mileage May Vary May 26, 2017 - 4:42 am

[…] Credit Cards • Joe’s review of the Citi Prestige credit card. • An explanation of why we have a Disney Rewards Visa card but hardly ever use it. […]

Jhc February 14, 2020 - 4:27 pm

Correction: At Disney Stores outside of the parks it’s a 10% discount on all purchases regardless of the amount. Our mall has a Disney store with excellent sales all the time, like 7 t-shirts and we get the discount on all of our purchases. This is the only time we use this card (except once on an AirBnb when there was a chase offer).

joeheg February 15, 2020 - 10:29 am

Thanks for catching that. I’ve corrected the post.

askmrlee (@askmrlee) February 15, 2020 - 7:05 pm

Or you can save the credit pull if you’re a Chase checking account holder by changing your debit card to a Disney Debit card and you get the character experience, Disney Store discounts and same or similar park benefits. They also offer a choice of card designs too.


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