When it comes to Disney and its theme parks, we’re always trying to save a buck here or there.
When it comes to the Disney Visa Credit Card from Chase, there are plenty of ways it helps you save on all things Disney. But does that mean you DEFINITELY need to have it? When going over the pros and cons, there are two very big cons that stand out.
Before jumping into two major problems with the card, we need to give the Disney Visa Credit Card its flowers.
Special perks include the following:
- Cardmembers save 10% on select purchases at DisneyStore.com when you use your Disney Visa Credit Card.
- Cardmembers get special photo opportunities at private locations at the Disneyland and Walt Disney World Resorts.
- Cardmembers receive 10% off select dining locations most days at the Disneyland and Walt Disney World Resorts with the credit card.
- Cardmembers can redeem Disney Rewards Dollars for Disney stays, park tickets, merchandise, tickets to Disney, Pixar, Marvel, or Star Wars movies at AMC theatres, and more.
- Cards can be customized for free.
So now that we’ve covered the pros, let’s talk about the cons.
The first one is that there is a possibility your Disney Rewards Dollars could expire. Now, if you have a Redemption Card (think of this as a gift card you can acquire), you can load your Disney Rewards Dollars and they will never expire. The card is reloadable, reusable, and does not expire.
The downside is that you need to accumulate 20 Disney Rewards Dollars to get one. This is the equivalent of spending $2,000 with the credit card. If you don’t plan on using the card that often, any Disney Rewards Dollars not loaded onto a card will expire five years from the date they were earned.
The second — and biggest — con is that this card is great for Disney — and not much else. If you live, eat, sleep, breathe, and dream Disney 24/7, then that’s great. However, if you have other interests outside of Disney, the Disney Visa Credit Card may not be worth the hassle (which can include a $49 annual fee).
This credit card no doubt will save you money at the Disney Parks, online when buying merch, and at the movies, but if you’re looking for more practical savings outside of the Disney bubble, then this card won’t do much for you. If you’re looking for a travel card or program, there are other options from all sorts of providers that cast a wider net of savings.
At the end of the day, if the Disney Visa Credit Card is right for you and your spending/saving plans, then you should go for it. Regardless, we always think it’s a good idea to do your homework before committing to any sort of travel card, program, or offer. When it comes to planning that perfect Disney vacation, we’re here to help so be sure to stay tuned here at AllEars for the latest Disney news, tips, tricks, and more!
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What kind of travel cards or programs do you use to maximize savings? Are you a fan of the Disney Visa Credit Card? Let us know in the comments!
Here’s why I hang onto this card. We had annual passes for 5 years before we had kids. Then, after a hiatus while the kids were small, we got them for another decade while they were in school (homeschooled). Remember the $99 SoCal pass? Then, as the kids moved out and prices went up, we gave them up. Around 2021, we decided to get them again. But the C-thing happened and everything shut down. Then they weren’t offering new passes. Finally, this March, they opened the doors again. Out of curiosity, I checked my Rewards card. Between it and 6 or 7 $10 gift cards I’d received free through the Disney Insiders program, we managed to snag two Imagine passes (the cheapest) for a grand total of $272.
This is not my go-to card (I have a Costco Visa that has much better perks in some areas). And I pay off my card in full every month (CC companies’ worst nightmare). But during eight years of relatively light use and no Disneyland (I do have a couple of online subscriptions tied to it), it paid off big time (Mine is a no annual fee card).
So, if it costs you nothing to get and you use it judiciously, it might benefit you as well.
BTW: We will probably enjoy our year at the parks and not renew. It’s just not worth $1,000 to us at this juncture. But maybe in a few more years, we’ll give it a go again 🙂
the i piece of advise you fail to mention is the rewards card can be used at all disney properties including aulani in hawaii.