Reasons to Keep Your Disney Card

If you’re a regular PTN reader, you know we don’t love the Disney Visa cards for earning rewards for Disney vacations. We’re 100% Disney loyalists, but we’d rather use other credit cards that earn rewards faster, so we can get to Disney sooner. However, there are some great reasons to keep the Disney card you have.

We’ve listed our favorite Disney Visa Card perks and assigned a value to each. Even if you don’t use this card for your daily spending, it can be a good one to keep. Here’s why…

1) Character Meet & Greets

Present your Disney Visa at select locations at Walt Disney World or Disneyland and get a special character meet & greet with some of your favorite characters. We’ve all been in that 45 minute line to meet characters before, so this perk can really come in handy as the lines for card holders are usually quite short. Also, you get free downloads of your photos as well, which is definitely a nice perk.

There are currently two locations for meet & greets at both Walt Disney World and Disneyland. At each resort, one location is traditional characters and the other is Star Wars themed. They are open from three to six hours a day and times vary by location.

Value: $40

The free photo downloads have a tangible value. The Memory Maker advanced purchase package with all the downloads from your entire trip is currently running $149. Instead, you could go to the Disney Visa meet & greet with the traditional characters as well the Star Wars version on your trip and get a nice array of photos for free. It’s not what you’d get with the full Memory Maker package, but the free photos and a short line makes this a pretty nice perk.

2) 10% Savings at Disney Store

This discount includes Disney Store locations, Baby Disney locations, select theme park locations, and online at However, it does require a minimum pre-tax, pre-shipping purchase of $50. And, they suggest you mention the discount to the store clerk. You must also use the DVRCMEMBER promo code when you purchase items online.

As if that weren’t enough hoops to jump through, they have a pretty long exclusions list ,which I’ve highlighted and included below.

Disney Discount Exclusions

Value: $25

If you’re a Disney fanatic, you probably spend enough money on Disney merchandise to earn closer to $50 back with the 10% discount, but we’ve scaled it back here because of the added difficulty in actually getting your discount. There will definitely be times when your purchases will be less than $50, will include some of the exclusions listed that won’t count, or you forget to mention your discount to the store clerk. All that to say, this definitely still has value to someone who loves Disney merchandise.

3) 10% Off Disney Dining

At 26 table-service locations around Disney World and eight table-service locations at Disneyland, you can get a 10% discount on your meal when you use your Disney Visa card. The offer excludes alcoholic drinks and isn’t valid on major US holidays.

Value: $30

We typically eat a counter-service lunch and a table-service dinner. If you spend $60 per table-service meal (very conservative for a small family) and you eat five table-service meals over your vacation, you could easily spend $300 on meals that would be eligible for the discount.

4) $50 Cruise Credit

When you pay for your entire cruise with your Disney Visa, you get a $50 “onboard credit for beverages.” Soft drinks are included in the price of a Disney cruise, so this is your opportunity for that $12 margarita you’ve always felt guilty about. Or, at least if you’re as cheap as me, you’ve always felt guilty about.

Value: $50

5) Multitude of Card Designs

The fact that you can change out your card design whenever you feel like it, is perhaps the single greatest perk of the Disney Visa cards. We had the old-school Mickey, which they don’t offer any more. I also had the plain blue card with just the Disney logo during my “too cool to wave my Disney freak flag” days. Now we have a website for Disney fanatics, so you could say that flag is flying high.

Value: Incalculable

Did I mention the Star Wars Cards?


Starwood Preferred Guest from American Express

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  • What kind of points: Hotel and Airline
  • Sign Up Bonus: 25,000 points after spending $3,000 in the first three months
  • Annual Fee: $95 (waived first year)
  • How to Earn Points: 2x at Starwood, 1x on everything else
  • Value of a Point: 2.4 cents
  • How to Spend Points: Redeem for hotels and transfer to airlines for flights
  • Our favorite Use: Stay at the Walt Disney World Dolphin