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Disney Rewards Visa card from Chase review

Disney Rewards Visa card from Chase review

Published: November 15, 2017
Ratings Policy
No Annual Fee Rating:
1.8 rating
1.8 rating
1.8 / 5
Rewards Value: 0.3
Annual Percentage Rate: 4.4
Rewards Flexibility: 3.0
Features: 3.0

In a nutshell:

While there are many rewards cards that offer much better rewards, the Disney Rewards Visa card at least gives you some decent Disney discounts plus access to exclusive theme park perks without the need to dole out a membership fee.

Rewards Rate
1 point per dollar on every purchase

Sign-up Bonus
$50 Disney gift card with first purchase

Annual Fee
$0

Average Yearly Rewards Value ($1,325 monthly spend)
$176

APR
16.99% (variable)

Rewards Redemption
Pros

  • No reward limits
  • Redeem rewards for theme park tickets, resort stays, Disney dining, Disney merchandise (at Disney stores or with vouchers at participating retailers), Disney and Star Wars movies at participating theaters (must have voucher)
  • No blackout dates on Disney vacation packages
  • Can transfer more dollars onto existing redemption card

Cons

  • Rewards expire 5 years from date posted to account
  • Minimum $20 in reward dollars to request redemption card
  • Minimum $10 in reward dollars to transfer onto existing card
  • Can only use sign-up bonus at select participating stores at Walt Disney World, Disneyland, Disney Cruise Line, Disney stores and online at DisneyStore.com
  • Discounts don’t count toward tickets, gift certificates, gift cards, park admission, arcades, Disney Dollars, outdoor vendors, photos or other non-eligible merchandise
  • Must spend at least $50 per transaction to receive merchandise discounts
  • Disney redemption card required to redeem reward dollars (must order online three weeks in advance or go to special location in parks to get card)
  • Only two redemption cards per account
  • Redemption cards and vouchers expire after a year, but you may transfer rewards to new card before it expires

Other Notable Features: Disney character experience at private card member location, Star Wars character experience at private card member location, 10% savings on Disney purchases of $50 or more, 10% dining discounts, 15% guided tour discounts, 10% savings on Star Wars merchandise, Disney theme park special offers and discounts, VIP Disney Broadway packages, Disney Cruise Line perks, special vacation financing, extended warranty protection, baggage delay insurance, purchase protection, private card member phone line, choose your card design

Rewards Rating:
1.9 rating
1.9 rating
1.9 / 5
Rewards Value: 0.5
Annual Percentage Rate: 4.4
Rewards Flexibility: 3.0
Features: 3.0

In a nutshell:

Though the Disney Rewards Visa card shines on Disney theme park perks and discounts, its rewards program leaves much to be desired.

Rewards Rate
1 point per dollar on every purchase

Sign-up Bonus
$50 Disney gift card with first purchase

Annual Fee
$0

Average Yearly Rewards Value ($1,325 monthly spend)
$176

APR
16.99% (variable)

Rewards Redemption
Pros

  • No reward limits
  • Redeem rewards for theme park tickets, resort stays, Disney dining, Disney merchandise (at Disney stores or with vouchers at participating retailers), Disney and Star Wars movies at participating theaters (must have voucher)
  • No blackout dates on Disney vacation packages
  • Can transfer more dollars onto existing redemption card

Cons

  • Rewards expire 5 years from date posted to account
  • Minimum $20 in reward dollars to request redemption card
  • Minimum $10 in reward dollars to transfer onto existing card
  • Can only use sign-up bonus at select participating stores at Walt Disney World, Disneyland, Disney Cruise Line, Disney stores and online at DisneyStore.com
  • Discounts don’t count toward tickets, gift certificates, gift cards, park admission, arcades, Disney Dollars, outdoor vendors, photos or other non-eligible merchandise
  • Must spend at least $50 per transaction to receive merchandise discounts
  • Disney redemption card required to redeem reward dollars (must order online three weeks in advance or go to special location in parks to get card)
  • Only two redemption cards per account
  • Redemption cards and vouchers expire after a year, but you may transfer rewards to new card before it expires

Other Notable Features: Disney character experience at private card member location, Star Wars character experience at private card member location, 10% savings on Disney purchases of $50 or more, 10% dining discounts, 15% guided tour discounts, 10% savings on Star Wars merchandise, Disney theme park special offers and discounts, VIP Disney Broadway packages, Disney Cruise Line perks, special vacation financing, extended warranty protection, baggage delay insurance, purchase protection, private card member phone line, choose your card design

Travel Rating:
2 rating
2 rating
2 / 5
Rewards Value: 0.7
Annual Percentage Rate: 4.3
Rewards Flexibility: 3.0
Features: 3.0

In a nutshell:

Merchandise discounts and special vacation financing make the Disney Rewards Visa card an attractive option for Disney fanatics – but for everyday cardholders, it’s not even close to being the happiest credit card on Earth.

Rewards Rate
1 point per dollar on every purchase

Sign-up Bonus
$50 Disney gift card with first purchase

Annual Fee
$0

Average Yearly Rewards Value ($1,325 monthly spend)
$176

APR
16.99% (variable)

Rewards Redemption
Pros

  • No reward limits
  • Redeem rewards for theme park tickets, resort stays, Disney dining, Disney merchandise (at Disney stores or with vouchers at participating retailers), Disney and Star Wars movies at participating theaters (must have voucher)
  • No blackout dates on Disney vacation packages
  • Can transfer more dollars onto existing redemption card

Cons

  • Rewards expire 5 years from date posted to account
  • Minimum $20 in reward dollars to request redemption card
  • Minimum $10 in reward dollars to transfer onto existing card
  • Can only use sign-up bonus at select participating stores at Walt Disney World, Disneyland, Disney Cruise Line, Disney stores and online at DisneyStore.com
  • Discounts don’t count toward tickets, gift certificates, gift cards, park admission, arcades, Disney Dollars, outdoor vendors, photos or other non-eligible merchandise
  • Must spend at least $50 per transaction to receive merchandise discounts
  • Disney redemption card required to redeem reward dollars (must order online three weeks in advance or go to special location in parks to get card)
  • Only two redemption cards per account
  • Redemption cards and vouchers expire after a year, but you may transfer rewards to new card before it expires

Other Notable Features: Disney character experience at private card member location, Star Wars character experience at private card member location, 10% savings on Disney purchases of $50 or more, 10% dining discounts, 15% guided tour discounts, 10% savings on Star Wars merchandise, Disney theme park special offers and discounts, VIP Disney Broadway packages, Disney Cruise Line perks, special vacation financing, extended warranty protection, baggage delay insurance, purchase protection, private card member phone line, choose your card design

With no annual fee, an average APR and convoluted redemption rules, the Disney Rewards Visa card by Chase isn’t a great choice if you’re not a fan of Disney products or if you don’t have a family trip to Disney on your calendar. While the discounts on Disney merchandise and special financing on Disney vacation packages are enticing for some, a mere 1 percent in reward dollars and a ho-hum sign-up bonus means there are better alternatives for Disney devotees – whether you opt for a general travel credit card or the Disney Premier Visa card.

Savings on merchandise, dining and more

If you are a fan of Disney or Star Wars merchandise or have a Disney vacation in store, you can find significant savings in the Disney card’s discounts on merchandise, dining, guided tours and even spa treatments. You can get a 10 percent discount at Disney retail locations when you mention your card member savings perk at the register. You get the same 10 percent discount when shopping online at Disneystore.com, by adding the promo code DRVCMEMBER to your shopping cart.

Visitors to Disney theme parks are eligible for a 10 percent savings at select dining locations, 15 percent savings on select guided tours and recreation experiences, and 15 percent savings on select Walt Disney World Resort spa and salon treatments. Get the full list of participating restaurants and tours here.

Your card member discount is a major benefit that can really add up. However, it comes with some limitations. A purchase minimum of $50 is required to receive a discount, and you must use the credit card or a redemption card to pay for your swag. You can’t use your discount in combination with other offers or discounts. Also, there is a long list of excluded items, including gift certificates, park admission, arcades, outdoor vendors and photos.

Special experiences you won’t get anywhere else

Die-hard Disney fans will love the perks that come with the Disney Rewards Visa card. Card members are entitled to exclusive privileges, including a private card member phone line, private meet-and-greets with your favorite Disney and Star Wars characters and other exclusive card member events. Note that these events can fill up, so you’ll want to check the Disney rewards website to reserve a spot in advance.

A lackluster sign-up bonus

The $50 Disney gift card with your first purchase won’t get you far when it comes to the most coveted Disney collectibles, even if the sign-up bonus doesn’t require a minimum purchase amount. Plus, you can only use the sign-up bonus at select participating stores. 

Special financing on Disney vacation packages

If your kids are clamoring for a visit to Disneyland or Walt Disney World, you’ll especially love the ability to finance various vacation packages at 0 interest when booking with the Disney Rewards Visa card. A variable APR of 16.99 percent kicks in after six months, so be sure to pay your balance in full before interest starts accruing. Spreading out the payments versus coughing up the cash upfront can make it a bit easier to turn your family’s dream vacation into reality. 

Complicated redemption

Unfortunately, there are far too many restrictions when it comes to redeeming Disney reward dollars. You’ll first need to order the required Disney redemption card online at least three weeks prior to your visit. Otherwise, you’ll have to spend time getting the card from a special location inside the park. Waiting in line without a roller coaster or other amusement waiting at the end? No thanks!

In addition, a minimum of $20 in reward dollars is necessary to even request a redemption card in the first place. The card itself expires after a year, though you can transfer rewards to a new card prior to the expiration date. Rewards expire five years from the date they post to your account, so if you don’t plan on visiting a Disney park before then, it doesn’t make much sense to apply for the Disney Rewards Visa card. 

Compare to the Disney Premier Visa card

True Disney fans could opt for the Disney Premier Visa card to experience the same fringe benefits with better rewards. While the Disney Premier Visa card does have a $49 annual fee, it currently comes with a better sign-up bonus (a $200 Disney gift card after you spend $500 on purchases in the first three months) and 2 percent reward dollars on purchases at grocery stores, gas stations, restaurants and most Disney locations. (Other purchases earn 1 percent, just like the Disney Rewards Visa card.) All things being equal, the Disney Premier Visa is likely the better deal for periodic Disney visitors or serious collectors.  

Why get the Disney Rewards Visa card?

  • You’re a frequent visitor to Disney theme parks and resorts.
  • You’re a longtime collector of Disney or Star Wars memorabilia and want to take advantage of the card’s merchandise discounts.
  • You’re planning a big family vacation to Disney and want more time to pay.
  • You don’t mind sorting through the Disney Rewards Visa card’s redemption restrictions.
  • You don’t plan to use this as your primary (or even secondary) credit card.

How to use the Disney Rewards Visa card:

  • Order a Disney redemption card at least three weeks prior to your park or resort visit to make redeeming reward dollars easier.
  • Refrain from using the card at overseas Disney theme parks and resorts, as you’ll incur a 3 percent foreign transaction fee on each purchase.
  • To avoid losing the rewards you’ve accumulated, be sure to transfer them to a new redemption card before your current card expires in 12 months.

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