Advantages of having the Disney Visa

[rico974]

Just trying to figure out if it's worth having one along with the many others. Any info would help. As always, thanks
rico

 

[Mickeysduck]

We got it for the $100 gift card deal. Used it once to buy some batteries and put it away. We used the gift card for dinner on our most recent trip.

Other than that, we use other cards that pay 3 - 5% cash rewards.

Anyone know of any other benefits to using the Disney card other than the 1% Disney points?

 

[DiznyDi]

Anyone know of any other benefits to using the Disney card other than the 1% Disney points?

Only if doing an add-on purchase. Technically up to $2500.00 is 0% interest for 6 months. Our last add-on was over $7500.00 and the entire amount came through at 0%.

Other than that, we have the card with Mickey, Goofy and Donald and like to say that our friends are paying for our purchase!

 

[dr&momto2boys]

We got it for the $100 gift card deal. Used it once to buy some batteries and put it away. We used the gift card for dinner on our most recent trip.

Other than that, we use other cards that pay 3 - 5% cash rewards.

Anyone know of any other benefits to using the Disney card other than the 1% Disney points?

That sounds just like us! DH and I each got one with the free $100 gift card. We used the $200 towards our most recent DVC purchase. We also normally use other CCs that pay cash back (and pay them off each month.)

There are various other benefits to having the Disney Visa that don't require using it. I don't know them all but can remember a couple that I think are cool. At Epcot you can go to a special character meet and greet and get a free photo (one per day.) At Disneyland you can get a free stroller rental. (Wish that was the case at WDW too!)

I believe when you use the card to purchase certain Disney vacation packages you get 0% interest for 6 months. And sometimes Disney makes special travel offers to Disney Visa holders such as the free dining promo before they make it to the general public.

So it's not a bad card to have (not necessarily use more than once.) Especially if you get that $100 GC promo!

 

[Crystal_27]

We use our Disney Visa like a debit card - - we put all of our monthly purchases on it, pay it off every month, and receive 1% back on our purchases via a Disney gift card (called a Disney Rewards Card). Typically, we can get about $300/year in rewards, which usually covers our TS tips and souveniers and other trip incidentals. Also, you will receive 0% interest for 6 months on all Disney vacation packages as well as your 10% DVC downpayment (and, some are even reporting receiving the 0% interest for 6 months on the entire DVC purchase). You will also get some great discounts on Disney tours and merchandise (for example, you can get 10% off your purchase at World of Disney at DTD, which is a great perk). Since we vacation at Disney every year, the Disney Visa is probably the best reward card out there for us. Hope that helps!!

 

[Mike]

We use our Disney Visa like a debit card - - we put all of our monthly purchases on it, pay it off every month, and receive 1% back on our purchases via a Disney gift card (called a Disney Rewards Card). Typically, we can get about $300/year in rewards, which usually covers our TS tips and souveniers and other trip incidentals. Also, you will receive 0% interest for 6 months on all Disney vacation packages as well as your 10% DVC downpayment (and, some are even reporting receiving the 0% interest for 6 months on the entire DVC purchase). You will also get some great discounts on Disney tours and merchandise (for example, you can get 10% off your purchase at World of Disney at DTD, which is a great perk). Since we vacation at Disney every year, the Disney Visa is probably the best reward card out there for us. Hope that helps!!

But it is still only 1%. I have a card that gives 5% CASH back for all grocery, gas and pharmacy purchases and another that invests 2% into my kids' college 529b. Even though I go to Disney every year, I never use the card because the rewards can't compete with other cards. Your $300 rewards means you are charging $30,000 per year. If I charge $30,000 I get $500 cash (annual limit) on the first $10,000 and then I get $400 for the other $20,000. Three times the rewards for the same purchases.

This all be a moot point anyway. With all of the new legislation that is passing for the credit card industry, I expect those of us that pay our balance in full each month are about to see a drastic cut to our rewards.

 

[flechette]

Used to be the Disney Visa had the best discount for tours, such as the Segway at 20% for most of them -- seems like the past 2 years the discounts have been the sames as the DVC and Annual passholder~


Mike - that 5% on groceries... does it cover places like Walmart and Target? Most cards i've seen w/ 5% would only give me 1% at the places I normally shop....I've stuck with the Disney and the Costo Amex am have been pretty happy with them. I use the Disney rewards points against the DVC dues so it's like enforced savings ;-}

 

[Mike]

Used to be the Disney Visa had the best discount for tours, such as the Segway at 20% for most of them -- seems like the past 2 years the discounts have been the sames as the DVC and Annual passholder~


Mike - that 5% on groceries... does it cover places like Walmart and Target? Most cards i've seen w/ 5% would only give me 1% at the places I normally shop....I've stuck with the Disney and the Costo Amex am have been pretty happy with them. I use the Disney rewards points against the DVC dues so it's like enforced savings ;-}

Hi flechette - unfortunately I do not get 5% back at Walmart and Target so I use my other card to get the 2% at those stores. I get 5% at the supermarket I shop, all gas stations, and places like CVS, Walgreens and Rite-Aid. Fortunately (or unfortunately ) I have no problem earning the $500 annual max at all of these places. The 2% applies everywhere.

 

[Mickeysduck]

Hi flechette - unfortunately I do not get 5% back at Walmart and Target so I use my other card to get the 2% at those stores. I get 5% at the supermarket I shop, all gas stations, and places like CVS, Walgreens and Rite-Aid. Fortunately (or unfortunately ) I have no problem earning the $500 annual max at all of these places. The 2% applies everywhere.

One of our cards offers monthly specials that you can sign up for. This month we get 5% cash back up to $400 in purchases, at home improvement stores, department stores, and clothing stores. So I would assume that means Walmart and Target.

We get 3% on groceries, or the top 3 categories of charges, and 5% on gas. How do we get 5% on groceries?