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Old 06-04-2013, 08:22 AM   #1
2prettygirl
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Smile Disney Rewards Card

For those of you who may have the Disney Rewards Chase credit card, are the "rewards" worth it? Just curious how this works....???? We are going on a cruise in January and hoping this is the first of many Disney trips in our future so we are considering signing up for this card. Feedback wanted.
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Old 06-04-2013, 08:29 AM   #2
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I use ours to pay for everything from car insurance to property taxes. We pay it off every month so no interest charges. Our last 7-night cruise was almost paid for completely with our rewards dollars. If it wasn't for that balance, we would have had to consider cancelling the cruise. I think my entire family is in favor of it.
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Old 06-04-2013, 08:44 AM   #3
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Personally I think it is worth it as we are HUGE Disney fans. I have the new Disney Signature card that does charge an annual fee but I get 2% back. We put everything on our Disney card and pay it off at the end of the month. Last year we took a Disney cruise and I had been saving up my Disney rewards for the cruise. When we boarded I put the rewards money on our account so we could use it for drinks, gifts, spa packages, a cabana, etc... I had accumulated over $2000 in rewards so it was nice not to have to spend my own money.
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Old 06-04-2013, 09:05 AM   #4
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It has never been worth it to us. We use our Costco AMEX card which gives us pretty much the same percent back as the Disney Card without the annual fee. Since most Disney purchases are classified as travel, you still get the 2% cash back for vacations and the Costco card has 3% for gas.

Even if you don't have Costco as an option, you might want to look at other reward cards that give 2% back for travel without the fee.

The only thing you really miss out on is the Disney stores, but you would have to spend $4900 at the stores to make that extra 1% worth it.
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Old 06-04-2013, 09:22 AM   #5
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As with any credit card offering "rewards" - whether it is worth it for you all depends on what you'd like to do with your reward. Do you prefer airline tickets, free gas, credits towards specific stores/purchases, free savings for vacation, cash back? If you think you will use credits towards a future Disney vacation, or other Disney purchases (Disney Store, etc.) then it could be worth it for you along with the 0% financing offer. If you'd really rather have free airline tickets, you might want a different card - though I think the "premium" Disney Visa now offers redemption of points towards some airlines. Will you charge everything under the sun to this credit card and get tremendous savings? Or do you have other cards you also like to use which might limit the points earned on the Disney Visa?

Just thinking of your spending habits, what you are willing/able to put on a charge card, and how you'd like to use any rewards.
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Old 06-04-2013, 09:37 AM   #6
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There are probably better reward programs out there. But personally, I love my Disney VISA. We pay off our balance every month and I use our rewards for Disneyland, Disney World and Disney Cruises. I don't mind buying souvenirs when its free money!
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Old 06-04-2013, 10:05 AM   #7
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Quote:
Originally Posted by lanejudy View Post
As with any credit card offering "rewards" - whether it is worth it for you all depends on what you'd like to do with your reward. Do you prefer airline tickets, free gas, credits towards specific stores/purchases, free savings for vacation, cash back? If you think you will use credits towards a future Disney vacation, or other Disney purchases (Disney Store, etc.) then it could be worth it for you along with the 0% financing offer. If you'd really rather have free airline tickets, you might want a different card - though I think the "premium" Disney Visa now offers redemption of points towards some airlines. Will you charge everything under the sun to this credit card and get tremendous savings? Or do you have other cards you also like to use which might limit the points earned on the Disney Visa?

Just thinking of your spending habits, what you are willing/able to put on a charge card, and how you'd like to use any rewards.
For us the 6 month 0% financing is a big plus, we can book our cruises & then charge the final payment & have 6 months to pay "those charges" off. We also use it to pay our DDs college tuition and room & board. But like others have noted to really make any "reward card" pay off you need to pay it off monthly (we usually pay our 0% charges off 5 months) to avoid intrest charges. So for us we seems worth it to have this card. . It seems like we always have an extra $300 or $400 for each cruise.
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Old 06-04-2013, 12:59 PM   #8
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I surprised DH with an inside stateroom and his parents watching the kids for a four night on the Magic. The best part?
I paid for the Entire Trip cost in Disney Rewards Dollars.
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Old 07-04-2013, 07:31 PM   #9
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Quote:
Originally Posted by lbgraves View Post
I use ours to pay for everything from car insurance to property taxes. We pay it off every month so no interest charges. Our last 7-night cruise was almost paid for completely with our rewards dollars. If it wasn't for that balance, we would have had to consider cancelling the cruise. I think my entire family is in favor of it.
So, a question: Can I take the amount I owe for a cruise, and put *most* of that amount on the Disney Rewards Visa which earns $$ on the rewards card and then turn around and use that rewards card to finish paying off the cruise?


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Yeah - the target card is simply a debit card linked to your savings/checking. I'd rather do 2% plus 6 months...

Hopefully target will do the coupon think this xmas like the last two years. Then Disney Gift cards at 20% off here I come again...
How has the Target Christmas offer worked in the past? Do you have to hold a Target Red Car to get this deal? And what exactly is the offer?

thanks!
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Old 07-04-2013, 08:04 PM   #10
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I was thinking of transferring my cc I have now to a Disney Visa. Can I transfer the balance and get all these rewards people are talking about. I read that there is something like a 3% charge for transfers. What's your opinion?
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Old 07-04-2013, 08:18 PM   #11
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I was thinking of transferring my cc I have now to a Disney Visa. Can I transfer the balance and get all these rewards people are talking about. I read that there is something like a 3% charge for transfers. What's your opinion?
Definitely not. You only get points for purchases, not loans (cash withdrawals). It is NOT a low interest card, so if you carry any balance at all even the 1% reward is not worth it.

edit: I did look up another Chase card I have and you do get reward points for balance transfers within the first 90 days, but you'll still be charged the 3% and only earn 1% - it would cost you $30 to transfer $1000, and you'd only earn $10 in rewards. Not worth it.

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Last edited by neg58; 07-05-2013 at 08:21 AM. Reason: correction
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Old 07-05-2013, 08:14 AM   #12
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[QUOTE=Narnia_girl;48862360]So, a question: Can I take the amount I owe for a cruise, and put *most* of that amount on the Disney Rewards Visa which earns $$ on the rewards card and then turn around and use that rewards card to finish paying off the cruise?

Yes. You can do partial payments any time. You would just need to do the partial payment at least one billing cycle before the final deadline to pay for the cruise so that your points will be available.
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Old 07-05-2013, 08:26 AM   #13
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I have the regular Disney Visa. I use the reward dollars for onboard credit and it works great. I have also used the reward dollars in WDW and DL. You have them transferred onto a reward card that you have to request from Customer Service and then can use that like a debit card in the parks or give it to Guest Services on your cruise ship and they will convert it to cabin credit. I do charge my cruises on the card and get the 0% financing and extra onboard credit for using a Disney Visa. You do get reward dollars for charging your cruise and then can use them towards purchases onboard the ship. We try to use that card as much as possible to keep racking up the reward dollars
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Old 07-05-2013, 08:46 AM   #14
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We got a Disney Rewards Visa 5 months ago. We got an offer in the mail that included a $200 Disney gift card if you spent I think $500 within the first 90 days. We spent that easily in the first month so we now have $200 to spend when we cruise again in October. We use the card for everyday purchases and make sure to pay off the balance each month. So far we have earned about $50 in rewards points. I am sure we will have close to $100 by our cruise date. It's like getting free money for Disney. I love it!

For those who have booked onboard. Do you have to put the whole amount of the cruise on the card up front or can you just put a deposit down using the card to get the $50 onboard credit?
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Old 07-04-2013, 11:19 PM   #15
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It does help to book the cruise with the rewards card. Because you can defer the entire trip six months no interest.
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