Build a Rewards Strategy Around Your Disney Card

If you love Disney, you have a Disney card. There are so many great reasons to have one. Our favorites are the perks at Disney Parks. Whatever your reasons, the Disney credit cards also have some drawbacks. Every credit card has strengths and weaknesses. The best rewards strategy is to build a wallet with credit cards that complement each other. By doing this, you earn more without spending more.

We’re going to help you build a rewards strategy around your Disney card with no additional annual fees that can double how fast you earn rewards for your Disney vacation.

 

Strengths & Weaknesses of the Disney Card

Understanding the strengths and weaknesses of the Disney card will help you know when to use it and when to use another card.

Strengths

The Disney Premier Visa Card earns 2% back at gas stations, grocery stores, restaurants, and most Disney locations. Getting 2% back on purchases is a good earning rate. Those categories also make up a large percentage of spending for most families.

You get 10% discount off merchandise purchases of $50 or more at Disney Stores and select resorts. And, you get 10% off at select dining locations at Disney World and Disneyland. While these are discounts not rewards earned, a penny saved is a penny earned.

Weaknesses

The Disney Premier Visa Card earns 1% on all other purchases that don’t fit into the bonus categories mentioned in the previous section. Earning 1% is below average for a credit card. This is the area we want to complement with other credit cards.

disney card

Strengths Weaknesses
2% earned on gas, groceries, restaurants, and Disney locations 1% earned on all other purchases
10% off Disney merchandise purchases of $50 or more
10% off Disney Parks dining

 

How to Complement the Disney Card

Your Disney card will usually be the right one to use for purchases that fall into the “strengths” categories. Adding one or two additional no annual fee credit cards with different bonus categories will boost your overall rewards. By pulling the right card out of your wallet, you can double your rewards.

Here are two of our favorite no annual fee credit cards that earn cash back. Earning cash gives you flexibility for your Disney vacation goals.

Discover it Cash Card

The Discover it Cash Card is our favorite for earning cash back. Each quarter, Discover gives 5% cash back in certain categories of spending up to $1,500 spent. It earns 1% on all other purchases and spending over $1,500 in the bonus categories. Discover also doubles ALL cash back earned in the first year. This means you would earn 10% back in the bonus categories and 2% on everything else in the first year!

discover-it-cash-calendar-4q

In the first year of having the Discover it Cash Card, you would use it for the bonus categories and anything that would only earn 1% on your Disney card. You’d be earning at least 2% on every purchase you make and as much as 10% on many others as well.

Read More: Discover it Cash Card Review

Combination: Disney Card and Discover it Cash Card

disney card plus discover it card

Strengths Weaknesses
2% earned on gas, groceries, restaurants, and Disney locations 1% earned on all other purchases after year one
10% off merchandise purchases of $50 or more
10% off Disney Parks dining
5% Cash Back in Quarterly Categories (2016): Gas, Ground Transportation, Dining, Movies, Home Improvement Stores, Amazon, Department Stores & Sam’s Club
Discover doubles all cash back at end of first year

Chase Freedom

The Chase Freedom works just like the Discover it Cash Card. Each quarter, Chase gives 5% cash back in certain categories of spending up to $1,500 spent. It earns 1% back on everything else.

chase freedom calendar q4 2016

Again, you’ll want to use this card when it’s earning 5% and use your Disney card on all other purchases. Since it has no annual fee, you’ll earn more without paying more.

Read More: Chase Freedom Review

Combination: Disney Card and Chase Freedom

disney card plus chase freedom

Strengths Weaknesses
2% earned on Gas, Groceries, Restaurants, and Disney Locations 1% earned on all other purchases
10% off Disney merchandise purchases of $50 or more
10% off Disney Parks dining
5% Cash Back in Quarterly Categories (2016): Gas, Commuter Transportation, Groceries, Dining, Department Stores, Drug Stores & Wholesale Clubs

Combining All Three Cards

The only card with an annual fee is the Disney Premier Visa Card ($49). By adding the Discover it Cash Card and Chase Freedom, it costs you nothing but your overall rewards earnings are likely to double. You’ll earn even more in the first year when Discover doubles all cash back. When you use the right card for your purchases, maximizing category bonuses, you can drastically increase your rewards rate.

Disney Card, Discover it Cash Card & Chase Freedom

disney card plus discover plus chase

Strengths Weaknesses
2% earned on Gas, Groceries, Restaurants, and Disney Locations 1% earned on all other purchases after year one
10% off Disney merchandise purchases of $50 or more
10% off Disney Parks dining
5% Cash Back in Quarterly Categories (2016): Gas, Ground Transportation, Commuter Transportation, Groceries, Dining, Movies, Home Improvement Stores, Amazon, Department Stores, Drug Stores & Wholesale Clubs
Discover doubles all cash back at end of first year

We personally carry both the Discover it Cash Card and Chase Freedom. They have helped us drastically increase the rewards we’ve earned for our Disney vacations. With no annual fee and 5% bonus categories, both cards will help you get to the Happy Place on Earth.

If you enjoy our posts, consider supporting Points to Neverland by using one of our links to apply for your next credit card.

Discover it Cash Card

Apply Now

  • What kind of points: Cash
  • Sign Up Bonus: $50 cash after first purchase in three months. (This is a special referral offer that requires using our link here.)
  • Annual Fee: $0
  • How to Earn Points: 5% cash back up to $1,500 each quarter in rotating categories, 1% cash back on everything else
  • Value of a Point: 1.0 cents
  • How to Spend Points: Redeem for Cash
  • Our favorite Use: Disney Parks tickets or Disney vacation packages