Disney® Visa® Card Review 2024: Credit Score Requirements, Pros & Cons

Over the years, Disney has managed to rally one of the most ardent fan bases of any brand. Disney is more than a cartoon factory—it’s an identity.

Enter the card_name, with its glittery design and manifold characters to select for its frontage. It’s a badge of honor for Disney loyalists whenever they slide it into a point of sale. Its Disney-themed perks complement the life of anyone who is die-hard Disney.

Ultimately, if you’re not an ardent Disney fan, the card_name is not the card for you. Here’s what you need to know about the card_name.

TIME’s Take

Thanks to the card_name’s low earning rate, you must make heavy use of the 10% Disney discounts to make it more profitable than a standard no-annual-fee cash back credit card, as many competitors have a superior return for spending.

In short, the card_name serves as little more than a no-annual-fee gateway to the more premium card_name.

Pros & cons

Who is the card for?

It’s hard to pinpoint the lifestyle that would benefit from the no-annual-fee card_name.

The card is only advantageous for absolute fanatics of the Disney brand. Then again, if that describes you, there are better Disney-centric options—such as the card_name. Yes, it charges a annual_fees annual fee, but its souped-up Disney benefits (large welcome offer, superior earning rate, more rewards-redemption options, etc.) make it a no-brainer for most Disney lovers.

If you’re completely unwilling to pay an annual fee and are a Disney devotee, having the card_name can make some sense .

Rewards

When you open the card_name, you’ll earn a $150 statement credit after spending $500 on purchases within the first three months from account opening. That’s an easy bonus to earn, and it’s not half bad for a no-annual-fee credit card.

This card earns a flat 1% back on all purchases. That’s not particularly generous, but for those repelled by hard-to-remember spending bonuses or complicated rotating categories, the card_name is a breath of fresh air. Still, there are plenty of no-annual-fee, cash-back credit cards that earn 1.5% back (or more) on all purchases.

It’s vital to understand that this is not a cash-back credit card. It collects “Disney Rewards Dollars,” which can be used for a variety of Disney expenses, such as:

• Disney theme park tickets, resort stays, and dining/shopping at Disney within the U.S.
• Disney movies at AMC theaters.
• Shopping through shopDisney.com.
• Disney Cruise Line packages, onboard activities, and souvenirs.

In spite of an uncomplicated earning structure, Disney complicates things a bit when it comes to redeeming rewards. You’ll first need to transfer the rewards you earn with your card_name to a “Redemption Card.” You can get one by contacting Chase or by visiting participating Disney locations.

Additionally, your first transfer to a Redemption Card must be at least 20 Rewards Dollars. After that, you can transfer in increments of 10 Rewards Dollars.

The fine print

Though the card_name doesn’t have an annual fee, you’ll pay other common credit card fees such as:

• Purchase interest—reg_apr,reg_apr_type when you carry a balance month-to-month.
• Balance transfer fees—balance_transfer_fees.
• Cash advance fees—cash_advance_fee.
• Late/return payment fees—late_payment_fee.

You’ll also pay a foreign_transaction_fee foreign transaction fee, making this a terrible payment method when traveling overseas.

Additional hidden perks

0% promo APR offer

The card_name gives you the ability to book select Disney Vacation Packages and receive intro_apr_rate,intro_apr_duration (followed by reg_apr,reg_apr_type). This could save you a lot of money if you’re booking a trip you don’t think you’ll be able to pay off within a month or two. Obviously, you should not book vacations that you don’t have the money for, anyway—but this gives you the ability to mitigate the backlash of carrying a balance for a few months.

Disney discounts

You’ll get a 10% discount with a variety of Disney-related transactions:

• Eligible purchases of $50+ at select Disney park shops within Walt Disney World and Disneyland.
• Purchases through shopDisney.com.
• Castaway Cay Getaway Packages.

You can receive these discounts whether you’re paying with cash or Disney Rewards Dollars.

Disney event access

With the Disney Visa Card, you’ve got special access to photo opportunities at both Walt Disney World and Disneyland. You can take pictures with Disney characters while non-cardholders cannot. You’ll even get the pictures for free.

What could be improved

Even for a no-annual-fee credit card, the card_name’s 1% earning rate is very poor. The card could offer a flat rate of at least 1.5% on all purchases, or it could add a bonus category or two.

As an example, the no-annual-fee Wells Fargo Active Cash® Card provides a flat 2% cash back on all purchases. That’s a 100% improvement over the card_name—not to mention you can use those rewards anywhere (instead of just for select Disney purchases).

Additionally, this card would serve Disneyheads even better by waiving foreign transaction fees. After all, there are 12 Disney parks around the world, including in Hong Kong, Paris, Shanghai, and Tokyo.

Card alternatives

TIME Stamp: This card is lacking, even for Disney lovers.

There’s nothing particularly wrong with the card_name. Those who love Disney can get some real value from it. The card’s undoing comes from the fact that Chase issues another Disney card that’s far more valuable—the card_name—that comes with a very justifiable annual_fees annual fee.

Frequently asked questions (FAQs)

Is it hard to get a card_name?

It is not hard to get a card_name. If you’ve got at least a “good” credit score (a FICO score of 670 or above), you’re a good candidate for the card. Just note that Chase considers other factors besides a credit score, so an approval is never guaranteed.

Is the card_name worth it?

The card_name is worth it if you don’t think its more premium sibling, the card_name, will serve you better. The card_name comes with a annual_fees annual fee, but its perks are considerably less potent than those of the annual_fees-annua- fee Disney Premier Visa Card.

What is the benefit of a card_name?

The main benefits of the card_name are 10% discounts on various Disney purchases, exclusive photo opportunities at Disney properties, and the ability to earn Disney Rewards Dollars on every purchase.