The Disney® Visa® Card gives you access to savings on Disney vacations, parks and other locations. Members even get a discount for Disney merchandise when they use the card to make purchases. However, the earning rate for this card can be a little low compared to other rewards cards. Our Disney® Visa® Card review will evaluate the important features and fees associated with this card so you can decide if it’s right for you.
MoneyGeek’s Take
Disney® Visa® Card Review
Updated: October 23, 2024
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Disney® Visa® Card
On Issuer's Site
Rewards Summary
1% in Disney Rewards Dollars on all card purchasesEarn 1% in Disney Rewards Dollars on all card purchases
APR
18.74% - 27.74% VariableAnnual Fee
$0Recommended Credit
740-850 (Excellent)Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
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Disney® Visa® Card Overview
The Disney® Visa® Card offers various rewards and bonuses. Here are the details about what the card offers in terms of perks.
Quick Take
Introductory Offers
- Earn $200 statement credit after spending $500 within the first three months of opening your account.
Rewards
- Earn 1% in Disney Rewards Dollars on all card purchases with no earning cap.
APRs, Fees, and Penalties
- Enjoy a 0% promotional APR for six months on select Disney vacation packages from the date of purchase. Afterward, a variable APR of 18.74% - 27.74% applies.
Perks & Benefits
- Get 10% off select merchandise purchases at specific locations.
- Save 10% on select dining locations most days at Disneyland Resort and Walt Disney World Resort.
- Enjoy a 10% discount on select purchases at DisneyStore.com.
Important Card Details
The rewards and Disney perks that are included in this card may come with no annual fee, but there are other charges that you might incur. These include a late fee, a return fee, a penalty APR, foreign transaction fees and a high APR.
Regular APR
The regular APR depends on your creditworthiness and the Prime Rate. For this card, the APR range is 18.74% - 27.74%.
Penalty APR
The penalty APR applies when you miss a due date or when your payment gets returned unpaid. To avoid this, you need to pay the minimum amount due on your card on time. The penalty APR for the Disney Visa card from Chase is up to 29.99% and can remain in your account indefinitely.
Late Fee and Return Fee
If you don’t pay your bill on time, the issuer charges a late fee. If you make a payment but it bounces (i.e., a check payment with insufficient funds), the issuer charges a return fee. This card charges a late fee and a return fee of $40.
Foreign Transaction Fee
Using your Disney Visa card from Chase overseas will cost 3% more for each of your purchases.
1% Disney Rewards
You’ll earn 1% in Disney Rewards for every dollar you spend using the card.
Additional Benefits
The Disney® Visa® Card gives you access to limited-time offers and special opportunities at Disney parks. It also includes promo rates on Disney Vacation packages.
- 0% promo APR for Disney vacation packages: Cardholders can access 0% APR for six months after purchasing a Disney vacation package or real estate interest in a Disney Vacation Club Resort. After six months, the APR will go back to the regular rate of 18.74% - 27.74%
- Cardmembers limited offers: Sometimes, Disney offers limited promos that are exclusive to cardholders. These promos can include discounts, freebies and exclusive passes to their events.
- Special photo opportunities at Disney parks: During certain hours, cardholders can access special photo opportunities at the Disney California Adventure Park, Star Wars at Disneyland Park and Disney’s Hollywood Studios and the Walt Disney World Resort. Every cardholder can give entry to these opportunities for six people. The access can only be used once per day.
How the Disney® Visa® Card Compares To Other Cards
How the Disney® Visa® Card Compares
Disney® Visa® Card
- Annual fee: None
- Welcome bonus: $200 statement credit after spending $500 within three months of owning this card
- Rewards rate: 1% Disney Reward Dollars on all purchases
- Airline travel: You cannot redeem Disney Reward Dollars on airline travel
- Best for: People who would like to earn and redeem rewards from Disney locations without paying an annual fee
Disney® Premier Visa® Card
- Annual fee: $49
- Welcome bonus: $400 statement credit after spending $1,000 within three months of owning this card
- Rewards rate: 5% in Disney Rewards Dollars on card purchases made directly at DisneyPlus.com, Hulu.com or ESPNPlus.com, 2% in Disney Rewards Dollars on card purchases at gas stations, grocery stores, restaurants and most Disney U.S. locations and 1% on all other purchases
- Airline travel: You can redeem Disney Reward Dollars to get a statement credit on airline travel
- Best for: People who don’t mind paying an annual fee for better rewards
Frequently Asked Questions
What is the average credit score needed to get approved for a Disney® Visa® Card?
You need a good to excellent credit score to qualify for a Disney® Visa® Card.
Does the Disney® Visa® Card report to all three credit bureaus?
Yes, this card reports to all three credit bureaus.
Is the Disney® Visa® Card application process lengthy? Can you prequalify?
If you think the Disney® Visa® Card fits your needs, you can apply online at the Disney Rewards official website. While there is no prequalification process, the application is short.
What information is needed to apply for a Disney® Visa® Card?
Aside from basic personal information, the Disney® Visa® Card requires a valid permanent home address in the United States, the District of Columbia, Guam, Puerto Rico or the U.S. Virgin Islands. Alternatively, you can apply if you have a United States military address.
Does the Disney® Visa® Card have good customer service or satisfaction?
Yes. Chase has a J.D. Power customer satisfaction score of 807 out of 1,000 points.
Does the Disney® Visa® Card have a mobile app or the option to pay or manage your account online?
Chase has a mobile app that allows you to manage your accounts and pay your bills as well.
Does the Disney® Visa® Card raise credit limits automatically or charge for limit increases?
Chase can automatically increase a card’s credit limit every six to 12 months. You can also contact Chase to request a credit limit increase.
Does the Disney® Visa® Card offer the option to freeze your credit/account or have other security features?
Chase cards have fraud and security features such as locking and unlocking your card as well as Zero Liability Protection.
Does Chase offer other credit cards besides the Disney® Visa® Card?
Yes, Chase offers a wide array of credit cards for different uses, including personal and business. You can check their official website for the details of each card.
All information about the Disney® Visa® Card and Disney® Premier Visa® Card has been collected independently by Moneygeek.com and has not been reviewed by the issuer.
About Doug Milnes, CFA
Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.
Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.
*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.