Saving for a Disney vacation and wondering whether the Disney Visa is the way to go? Both the Disney Visa (no annual fee) and Disney Premier Visa ($49 annual fee) offer the same perks and sign up bonus. Here’s our no annual fee Disney Visa credit card review.
Sign Up Bonus (Grade: B)
When you use a referral link, you get a $200 statement credit after spending $500 in the first three months. For a card with no annual fee, this is a pretty solid sign up bonus.
Daily Spending (Grade: C-)
With this card, you get 1% on all purchases in the form of Disney Rewards (see explanation below). By comparison, a good cash back card, like the Citi DoubleCash, earns 2% cash back. So, the Disney Visa is sub par in this category.
|Percentage Earned on Dollars Spent|
Comparing the Disney Premier Visa Credit Card
This is where you’ll find the primary difference between the no annual fee Disney Visa and the $49 annual fee Disney Premier Visa. While the no annual fee version earns 1% on all purchases, the Premier card earns 2% at gas stations, grocery stores, restaurants and most Disney locations, and 1% on everything else.
Additional Card Perks (Grade: A+)
If you’re reading this, you LOVE Disney and are likely planning a vacation. If that’s you, you’ll love these perks. Here are some of the highlights, but you can find all the card perks HERE.
Unique Card Designs – We have two Disney Visa cards at our house. We each chose a different card design. Whether you’re a fan of Star Wars, Tinker Bell, or Mickey, there’s a style to fit your Disney fanaticism.
Character Meet ‘N’ Greet – At both Disney World and Disneyland, there are places at certain times of day where you can go for a special character meet and greet. It’s reserved especially for people with a Disney credit card. Character meet and greets abound at Disney, but these typically have much shorter lines. You even get free downloads of your photos.
We wrote a post about Disney Visa Character Meet and Greets – Maps & Details.
10% Merchandise Discount – Get a 10% on select Disney merchandise at Disney store or shopdisney.com. You also get a 10% discount on select Disney Parks merchandise when you spend $50 or more.
10% Dining Discount – You can also get 10% off select dining locations at both Disney World and Disneyland. Check out the list of approved restaurants at DisneyRewards.com and make sure you mention the offer at the restaurant to get the discount. We’ve also ranked the Disney Visa Dining Options at Disney World.
Redeeming Points (Grade: A-)
The Disney Visa Credit Card earns “Disney Dream Rewards Dollars” at the rates previously mentioned. Once you’ve earned at least $20 worth of rewards, you can order a “Disney Rewards Redemption Card.” You transfer your points onto this card and essentially use it like a gift card. It’s a bit of a hassle, but not a huge deal. The card, and the points on it, can be used for a vacation package, park tickets, at Disney hotels, restaurants, etc., so you have lots of options for how you can use the points you’ve earned.
Overall Grade: B+
Here’s how we recommend using the Disney Visa Credit Card. Get it for the $200 sign up bonus, which is pretty solid for a card with no annual fee and use it for the perks on your Disney vacation. The character meet & greets with the free picture downloads are worth a lot (to us at least). And, the 10% discount on some dining and merchandise options can really add up as well. While we recommend this card overall, we do not recommend this card for your daily purchases. You can do better than a 1% return on your purchases.
We hope our Disney Visa credit card review was helpful for you. Take a look at our Top 10 for some fantastic ways to discount your Disney vacation. Our Popular Cards page is another great research tool where you can find reviews on all the other wonderful cards for Disney vacations.