Disney Visa Card overview
The no-annual-fee Disney® Visa® Card is caught in one thing of a no man’s land. With restricted incomes charges and much more restricted redemption choices, the cardboard solely is sensible for diehard Disney followers — and if that is you, you are most likely a lot better off with the $49-annual-fee Disney® Premier Visa® Card. Card ranking*: ⭐
*Card ranking is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The Disney Visa Card is within the awkward place of not providing a lot worth for the typical client whereas additionally being outflanked by the Disney Premier Visa Card relating to Disney loyalists.
This card earns 1% in Disney Rewards {Dollars} on all card purchases. For those who’re set on not paying an annual price, it may make sense for you; other than that, you may be higher off with the Premier — or a non-Disney — card as a substitute.
We suggest a credit score rating* of 670 or greater to have the perfect likelihood for approval. This card has no annual price.
Try extra particulars in regards to the card and what it gives.
*The Factors Man credit score ranges are derived from FICO® Rating 8, which is certainly one of many various kinds of credit score scores. For those who apply for a bank card, the lender might use a unique credit score rating when contemplating your utility for credit score.
Associated: Are the Disney Visa bank cards value it?
Disney Visa professionals and cons
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Associated: How to decide on the perfect bank card for you
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Disney Visa welcome provide
With the Disney Visa, you may earn a $200 assertion credit score after spending $500 on purchases within the first three months from account opening. That is a stable return for a low spending requirement of simply $500.
This provide is just out there if you do not have the Disney Visa and have not acquired a welcome bonus on the cardboard previously 24 months.
Associated: Listed here are the perfect bank card welcome gives
Disney Visa advantages
The Disney Visa gives a couple of good reductions for Disney followers and permits them to select from over 12 totally different card designs.
With the Disney Visa, you may get 10% off choose bank card purchases at DisneyStore.com, plus 10% off choose merchandise purchases at choose areas at Disneyland and Walt Disney World. You will get the identical low cost at choose Disneyland and Disney World eating areas.
You will even have the choice to pose for particular images at non-public cardmember areas, and you may obtain a ten% low cost off a Castaway Cay Getaway cruise package deal. These reductions could be useful when you spend so much at Disney areas however not an excessive amount of exterior of that.
Associated: Bank card perks and advantages you ought to be utilizing
Incomes rewards on the Disney Visa
With the Disney Visa, you may earn a easy 1% again on all purchases, with rewards coming within the type of Disney Rewards {Dollars} (extra on that under).
Suffice it to say that it is not the healthiest return charge we have seen — particularly in comparison with the Disney Premier, which earns 5% again on card purchases made immediately at DisneyPlus.com, Hulu.com or ESPNPlus.com; 2% again on card purchases at gasoline stations, grocery shops, eating places and most Disney areas; and 1% again on all the things else.
Associated: Are journey bank cards value it?
Redeeming rewards on the Disney Visa
This card earns Disney Rewards {Dollars} as a substitute of money again, making it viable just for Disney superfans — and even then, the Disney Premier Visa gives extra worth for a low annual price.
In keeping with the cardboard touchdown web page, Disney Rewards {Dollars} could be redeemed towards experiences like “Disney Theme Park Tickets, Resort stays, buying, eating and extra within the U.S.,” limiting your redemption choices.
Whereas the Disney Premier has the choice to redeem Disney Rewards {Dollars} for a press release credit score towards airline journey, there isn’t a such choice with the Disney Visa. Once more, when you spend a ton at Disney, then Disney Rewards {Dollars} may very well be precious for you — but when that is the case, you may rack up much more of them with the Disney Premier than with the Disney Visa.
Associated: These 10 apps and web sites make award redemptions simpler to seek out
Which playing cards compete with the Disney Visa?
For those who’re on the lookout for worth above all else, there are various playing cards that outdo the Disney Visa:
- If you’d like extra Disney rewards: For a $49 annual price, the Disney Premier card earns 5% again on card purchases made immediately at DisneyPlus.com, Hulu.com or ESPNPlus.com; 2% again on card purchases at gasoline stations, grocery shops, eating places and most Disney areas; and 1% again on all the things else. You will additionally get higher-level perks, like assertion credit for a Disney Bundle subscription. To study extra, learn our full evaluation of the Disney Premier.
- If you’d like a preferred journey rewards card: The Chase Sapphire Most popular® Card gives 5 factors per greenback spent on journey booked via Chase Journey℠ and Lyft purchases; 3 factors per greenback spent on eating, choose streaming providers and on-line grocery retailer purchases (excluding Goal, Walmart and wholesale golf equipment); 2 factors per greenback spent on all different journey purchases; and 1 level per greenback spent on all the things else. It is a way more versatile all-around card than the Disney Premier, providing a free yr of DashPass (once you register by Dec. 31, 2027), plus tons of different perks. To study extra, learn our full evaluation of the Sapphire Most popular.
- If you’d like simplified rewards: The Citi Double Money® Card (see charges and costs) gives 2% earnings on all purchases — 1% once you make a purchase order and one other 1% once you pay it off — and is among the most easy cash-back playing cards on the market. This card is nice if you would like simple rewards for no annual price. To study extra, learn our full evaluation of the Citi Double Money.
For extra choices, take a look at our full checklist of the perfect journey playing cards.
Learn extra: The whole lot you could find out about visiting Walt Disney World Resort
Is the Disney Visa Card value it?
The Disney Visa may be a worthwhile choice when you’re a Disney superfan and also you’re staunchly in opposition to paying any type of annual price on a card. If that is not the case, nonetheless, the Disney Premier card is a more sensible choice. Anybody who is not a Disney loyalist ought to contemplate a normal journey card as a substitute, because the rewards you may earn on a normal journey card are considerably extra precious.
Backside line
The Disney Visa is caught in a no man’s land, providing restricted worth to the typical cardholder whereas being outclassed by the $49 Disney Premier for many who can really make the most of that card’s perks. Nonetheless, it may very well be a match for you when you’re set on not paying an annual price and are loyal to Disney.
Apply right here: Disney Visa Card
