Should you’re in search of essentially the most inexpensive strategy to go to Disney World, Disneyland or on a Disney Cruise, you could be asking your self if Disney’s bank card choices — the Disney® Visa® Card and the Disney® Premier Visa® Card — are first rate choices.
Each playing cards earn Disney Rewards {Dollars} that you should utilize to pay for many issues Disney, together with journeys to the parks or a cruise. And, in spite of everything, something that makes a Disney journey extra inexpensive generally is a excellent factor to contemplate.
However the reply as to whether or not the playing cards are price it is a bit more sophisticated than a easy sure or no. We’ll break down how the playing cards work and when they’re — and are not — price getting in anticipation of an upcoming Disney trip.
Disney Visa card welcome presents
The Disney Visa is an entry-level product with no annual charge. New cardholders can earn a $200 assertion credit score after spending $500 on purchases within the first three months from account opening.
The Disney Premier Visa has a $49 annual charge, however new cardholders can earn a $400 assertion credit score after spending $1,000 on purchases within the first three months from account opening.
Each playing cards are issued by Chase and thus are topic to Chase’s 5/24 rule.
Although these assertion credit sweeten the pot, a number of bank cards have welcome bonuses price $1,000 or extra.
Simply for example of what else is on the market, new Capital One Enterprise Rewards Credit score Card cardholders can earn 75,000 bonus miles after spending $4,000 on purchases inside the first three months of account opening. Plus, they’re going to obtain a $250 Capital One Journey credit score to make use of within the first cardholder 12 months.
In the meantime, new Chase Sapphire Most popular® Card cardholders can earn 60,000 bonus factors after spending $4,000 on purchases within the first three months of account opening.
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Whereas a couple of hundred {dollars} in assertion credit towards a Disney trip will be an effective way to offset the price of the journey, it is good to check to the worth of different playing cards to make sure you get one which most closely fits your monetary and journey wants.
Disney Visa card rewards
Now that we have mentioned the bonuses, let’s check out incomes charges. The Disney bank cards earn rewards at totally different charges.
The no-annual-fee Disney Visa earns a easy 1% on all card purchases within the type of Disney Rewards {Dollars} you should utilize at Disney.
The Disney Premier Visa, in the meantime, earns 5% on card purchases made straight at DisneyPlus.com, Hulu.com or ESPNPlus.com, 2% on purchases at gasoline stations, grocery shops, eating places and most Disney U.S. places and 1% in all places else. Like the bottom Disney Visa, the Disney Premier Visa earns Disney Rewards {Dollars}.
Disney Rewards {Dollars} are extraordinarily restricted. The Disney Rewards {Dollars} you earn on both card will be redeemed towards Disney purchases. With the Disney Premier Visa, you may also redeem your {dollars} for an announcement credit score towards airline purchases made straight with the airline. That mentioned, it is doubtless that there are nonetheless higher choices on the market for you.
Incomes as much as 5% again in Disney Rewards {Dollars} in some spending classes is not unhealthy, however only for perspective, 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.
For instance, the Capital One Enterprise Rewards card earns at the very least 2 miles per greenback spent on all purchases, albeit for a better annual charge 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, you are able to do a lot better than incomes Disney Reward {Dollars}.
Associated: The very best 2% cash-back bank cards
Disney Visa card perks
The distinctive perks are the place the Disney Visa merchandise get extra fascinating for these seeking to trip with Mickey Mouse.
First, on eligible dates at Disneyland and Disney World, it can save you 10% on some Disney merchandise purchases and 10% on choose eating places. Some eligible spots embody Skipper Canteen on the Magic Kingdom, Rose & Crown Eating Room (lunch solely) at Epcot, Kona Cafe on the Polynesian Village Resort, the Hollywood Brown Derby at Hollywood Studios and Storytellers Cafe on the Grand Californian at Disneyland (I extremely advocate the breakfast with characters at Storytellers).
Plus, Disney cardmembers additionally get some unique picture alternatives and particular financing for choose Disney trip packages.
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Why the Disney debit card could also be higher
At TPG, we aren’t big followers of utilizing debit playing cards for on a regular basis purchases, as you usually do not earn rewards or have the identical stage of built-in protections as with bank cards. That mentioned, the Disney® Visa® Debit Card could make sense should you’re primarily within the Disney perks that include having the cardboard.
Having the debit card will not depend towards your Chase 5/24 standing and carries no annual charge. Nonetheless, you will have a Chase checking account to entry this debit card choice.
The Disney debit card does not earn rewards (so there isn’t any want to actually use it a lot), however it will get you entry to lots of the similar picture ops and reductions because the Disney Visa bank cards. This can be a strategy to get the perks however keep away from charges or utilizing a 5/24 slot on a Disney bank card.
The data 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 supplied by the cardboard issuer.
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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 get the attraction of getting certainly one of these Disney playing cards — they’re cute, too, with the totally different accessible Disney design choices. If the built-in perks — the in-park character picture ops and accessible reductions — sound intriguing, then a Disney Visa could be best for you since these are perks probably not replicated on different playing cards.
Should you spend so much on Disney eating and a few out-of-park experiences, saving 10% on these expenses can add up for frequent Disney guests.
Nonetheless, in case your predominant purpose is to get a rewards-earning card that can rack up factors or miles you should utilize towards a Disney trip, you’ll be able to most likely do higher. Many different playing cards have higher welcome bonuses and incomes charges than the Disney playing cards.
Should you spend some huge cash at Disney and need to earn as many factors or as a lot money again as potential on these bills, the Disney Premier Visa could possibly be a sensible choice.
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Backside line
The Disney Visa bank cards are enjoyable rewards selections for followers of all issues Disney. Nonetheless, the playing cards are removed from slam dunks for Disney lovers seeking to earn or use rewards for a Disney trip in all conditions.
By way of rewards, Disney playing cards are higher than paying for issues with money or debit playing cards, however they typically aren’t the very best bank cards in the marketplace in case your purpose is to make use of factors in your subsequent Disney journey.
As an alternative, learn our information to the greatest bank cards for Disney holidays to save lots of essentially the most cash and earn most factors in your subsequent Disney trip.
For a deeper dive into the Disney playing cards, try our full opinions of the Disney Premier Visa and Disney Visa.
Apply right here: Disney Visa Card
Apply right here: Disney Premier Visa Card
