Disney Visa - any down side? - The DIS Discussion Forums

ajpa · 11-23-2009, 01:44 PM

I am wondering if getting a Disney Visa has any disadvantages?

DH doesn't like having a lot of credit cards --we only use 2, and never carry a balance. He is very wary of applying for new credit cards in general and will only consider those that have no annual fee and excellent reward programs.

Is there any downside to the Disney Visa card we should be aware of before we consider applying?

Thanks!

PrincessBetsy · 11-23-2009, 01:45 PM

I was wondering this same question. I'm thinking about getting one too.

Jestocost · 11-23-2009, 01:50 PM

The reward element of the Disney VISA on its own is less robust than what other cards offer. My Chase BP Amoco card, for example, offered 5% back on all BP Amoco purchases and 2% on most travel purchases, whereas the Disney card offers a flat 1% back on all purchases. That's the biggest drawback, IMO.

Of course, the Disney VISA also offers periodic room discounts and other benefits that may offset some or all of that reduced reward benefit. You'll just have to kind of think that through.

The Disney VISA card itself is much cuter too.

PrincessBetsy · 11-23-2009, 01:53 PM

Quote:

Originally Posted by Jestocost

The reward element of the Disney VISA on its own is less robust than what other cards offer. My Chase BP Amoco card, for example, offered 5% back on all BP Amoco purchases and 2% on most travel purchases, whereas the Disney card offers a flat 1% back on all purchases. That's the biggest drawback, IMO.

Of course, the Disney VISA also offers periodic room discounts and other benefits that may offset some or all of that reduced reward benefit. You'll just have to kind of think that through.

The Disney VISA card itself is much cuter too.

I love the designs for disney visa cards!

KellyNY · 11-23-2009, 02:00 PM

Quote:

Originally Posted by Jestocost

The reward element of the Disney VISA on its own is less robust than what other cards offer. My Chase BP Amoco card, for example, offered 5% back on all BP Amoco purchases and 2% on most travel purchases, whereas the Disney card offers a flat 1% back on all purchases. That's the biggest drawback, IMO.

Of course, the Disney VISA also offers periodic room discounts and other benefits that may offset some or all of that reduced reward benefit. You'll just have to kind of think that through.

The Disney VISA card itself is much cuter too.

But usually room only discount for Visa is matched for general public in couple days, I do not see advantages to havw this card, except it is cute.

EastonCat · 11-23-2009, 02:02 PM

We have carried this card for four years. In addition to the reward benefits, there are special character greets and other in-park periodic events for cardholders only. We find these valuable as well. Since there is no cost for the card, we saw no downside, other than some people don't like to have extra credit cards.

And yes, they're cute.

MissBritt · 11-23-2009, 02:04 PM

I considered getting one when we got the pre-approved app in the mail, but I don't know if it's worth it. Does the 1% reward rebate apply to any and all purchases?

marshmellow86 · 11-23-2009, 02:07 PM

It has no annual fee. You receive 1% back on all purchases to be issued via Disney Rewards card - good at WDW and DL, in addition to disneyshopping.com. Has the typical grace period with no interest, if you pay off your balance in full each month.

I have had one since it came out. No issues.

They do offer some specials - i.e. sometimes no interest for disney cruises or vacations charged to the card. also a character photo and meet and greet in Epcot. You can sometimes also get 10% off at Disneyshopping.com.

Several card designs to choose from. My kids liked Tink - lots of people comment to my DH when he uses his Tink card!

Paulagrav · 11-23-2009, 02:10 PM

My husband hates using Tink! But it's the only credit card we use now, so there's really no choice for him.

PrincessKsMom · 11-23-2009, 02:12 PM

Have they been doing anything with the interest rates lately? It is comparable to other reward cards?

bumbershoot · 11-23-2009, 02:52 PM

Quote:

Originally Posted by PrincessKsMom

Have they been doing anything with the interest rates lately? It is comparable to other reward cards?

It's a Chase card, and Chase has been messing with interest rates, most definitely.

Judy in Texas · 11-23-2009, 02:57 PM

Quote:

Originally Posted by PrincessKsMom

Have they been doing anything with the interest rates lately? It is comparable to other reward cards?

Just got a new disclosure. My rate is prime plus 9.9%. The discount at some of the Disney Stores does not apply to all purchases. I think it is over $50 in merchandise and certain items are not included. Movies for example.

Drusilla · 11-23-2009, 03:01 PM

Quote:

Originally Posted by Judy in Texas

Just got a new disclosure. My rate is prime plus 9.9%. The discount at some of the Disney Stores does not apply to all purchases. I think it is over $50 in merchandise and certain items are not included. Movies for example.

As long as you pay your balance off every month, interest rate doesn't matter.

The other nice thing the Disney card does offer is 6 months 0% interest for Disney vacation packages/tickets/rooms, etc. But you MUST pay off entire balance within the 6 months or Chase charges you interest for all 6 months in your 7th month. Be careful and keep an eye on the calendar!

Me!Thatswho · 11-23-2009, 03:23 PM

For us, the Disney Visa has more than paid for itself on our upcoming trip alone. We were able to save $700, which essentially represents our airplane tickets, thanks to the current promo discount code that is, or at least was, available. I think it was 30%, but it might have been 40%, off per night. Plus, because we "charged" the trip, it will be at 0% for the next 6 months. So, while we always pay it off when it comes due, we're actually making money because we can leave the money to cover the trip in the bank for a little while longer. Granted, it's probably only enough to buy a pack of gum, but no matter - I can use the gum to lessen the pain when my ears pop while we are making our descent into Orlando. And finally, we get the rewards dollars for using the card for the actual purchase of the trip, which means that either a meal or souvenirs are on Chase while were at the World!!

So, to sum it all up, we get: free airplane tickets, gum, & stuff in the parks! To me, it gets no better.

bumbershoot · 11-23-2009, 04:14 PM

Quote:

Granted, it's probably only enough to buy a pack of gum, but no matter - I can use the gum to lessen the pain when my ears pop while we are making our descent into Orlando.

11-23-2009, 01:44 PM	#1
ajpa Mouseketeer Join Date: Sep 2009 Posts: 425	Disney Visa - any down side? I am wondering if getting a Disney Visa has any disadvantages? DH doesn't like having a lot of credit cards --we only use 2, and never carry a balance. He is very wary of applying for new credit cards in general and will only consider those that have no annual fee and excellent reward programs. Is there any downside to the Disney Visa card we should be aware of before we consider applying? Thanks! __________________ dh me dd12 dd8 2009 Dec - Coronado Springs & Royal Pacific 2007 Jan - Port Orleans French Quarter 2003 Oct - All Star Music

11-23-2009, 01:45 PM	#2
PrincessBetsy "It's kind of fun to do the impossible." Join Date: Sep 2008 Location: 847 miles from Walt Disney World! Posts: 750	I was wondering this same question. I'm thinking about getting one too. __________________ D23 Charter Member

11-23-2009, 01:50 PM	#3
Jestocost DIS Veteran Join Date: Dec 2003 Location: Kirkwood, MO Posts: 3,598	The reward element of the Disney VISA on its own is less robust than what other cards offer. My Chase BP Amoco card, for example, offered 5% back on all BP Amoco purchases and 2% on most travel purchases, whereas the Disney card offers a flat 1% back on all purchases. That's the biggest drawback, IMO. Of course, the Disney VISA also offers periodic room discounts and other benefits that may offset some or all of that reduced reward benefit. You'll just have to kind of think that through. The Disney VISA card itself is much cuter too. __________________ Spring 1976, WDW/Golf Resort; Spring 2000, WDW/CBR; Summer 2002, WDW/CBR; Thanksgiving 2003, Disney Wonder & WDW/CBR; Fall 2004, WDW/POFQ; Spring Break 2005, Disney Magic Western Caribbean; Fall 2005, WDW/BC; Summer 2006, Disney Magic Eastern Caribbean & WDW/POFQ; Christmas 2006, WDW/POFQ; Spring Break 2007, DLR/Disneyland Hotel; Fall 2007, WDW/Poly; Summer 2008, WDW/POFQ & Disney Wonder B2B; Thanksgiving 2008, WDW/Poly; Summer 2009, WDW/AKL; Christmas/New Year 2009-2010, WDW/Poly and Disney Magic Western Caribbean

11-23-2009, 02:04 PM	#7
MissBritt It's a small, small world. Join Date: Aug 2009 Location: Florida Posts: 406	I considered getting one when we got the pre-approved app in the mail, but I don't know if it's worth it. Does the 1% reward rebate apply to any and all purchases? __________________ December 2009 Trip Report Coming Soon January 2010 Trip Report Coming Soon MK 7Xs, HS 2Xs, EP 1Xs, AK 1Xs, BB 1Xs, DTD 2Xs

11-23-2009, 02:07 PM	#8
marshmellow86 Mouseketeer Join Date: Jan 2005 Location: Jacksonville, FL Posts: 180	It has no annual fee. You receive 1% back on all purchases to be issued via Disney Rewards card - good at WDW and DL, in addition to disneyshopping.com. Has the typical grace period with no interest, if you pay off your balance in full each month. I have had one since it came out. No issues. They do offer some specials - i.e. sometimes no interest for disney cruises or vacations charged to the card. also a character photo and meet and greet in Epcot. You can sometimes also get 10% off at Disneyshopping.com. Several card designs to choose from. My kids liked Tink - lots of people comment to my DH when he uses his Tink card! __________________

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11-23-2009, 02:02 PM	#6
EastonCat Mouseketeer Join Date: Sep 2006 Location: Chester Springs, PA Posts: 181	We have carried this card for four years. In addition to the reward benefits, there are special character greets and other in-park periodic events for cardholders only. We find these valuable as well. Since there is no cost for the card, we saw no downside, other than some people don't like to have extra credit cards. And yes, they're cute.

11-23-2009, 02:10 PM	#9
Paulagrav Earning My Ears Join Date: Sep 2008 Location: Massachusetts Posts: 17	My husband hates using Tink! But it's the only credit card we use now, so there's really no choice for him. __________________ Me DH DS(9) DD(7) DD (5)

11-23-2009, 02:12 PM	#10
PrincessKsMom Sorry, it's not your day to eat, maybe tomorrow Puppy Cam Addict You never forget your first time Join Date: Feb 2008 Location: New Jersey Posts: 5,312	Have they been doing anything with the interest rates lately? It is comparable to other reward cards? __________________ 7/79 - Off site; 7/80 - Off site; 11/98 - Off site; 1/05 - CBR; 2/06 - ASMovies; 8/08 - ASMovies; 8/09 - CBR; 4/10 - CBR

11-23-2009, 03:23 PM	#14
Me!Thatswho Mouseketeer Join Date: Feb 2007 Posts: 143	For us, the Disney Visa has more than paid for itself on our upcoming trip alone. We were able to save $700, which essentially represents our airplane tickets, thanks to the current promo discount code that is, or at least was, available. I think it was 30%, but it might have been 40%, off per night. Plus, because we "charged" the trip, it will be at 0% for the next 6 months. So, while we always pay it off when it comes due, we're actually making money because we can leave the money to cover the trip in the bank for a little while longer. Granted, it's probably only enough to buy a pack of gum, but no matter - I can use the gum to lessen the pain when my ears pop while we are making our descent into Orlando. And finally, we get the rewards dollars for using the card for the actual purchase of the trip, which means that either a meal or souvenirs are on Chase while were at the World!! So, to sum it all up, we get: free airplane tickets, gum, & stuff in the parks! To me, it gets no better. __________________ August, 2005 - WDW All-Stars Movies & All-Stars Music May, 2006 - WDW Port Orleans June, 2007 - WDW Contemporary Dec, 2007 - WDW Pop Century & Contemporary July, 2008 - DL Disneyland Hotel Dec 2008 - Jan 2009 - WDW Polynesian; NYE @ DHS Dec 2009 - Jan 2010 - WDW Polynesian; NYE: breakfast at AK; mid-day @ Blizzard Beach; evening @ Epcot for Illuminations; watched fireworks from the Poly beach

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