Anyone have the Disney Credit Card?

[alaina1085]

My husband and I just applied and got approved. My Husband works with a guy who buys everything witht his card and pays it off each month to earn points towards his disney vacations. He brings his family to Disney every summer and they dont pay a dime because they collect so many points off the card. So we went ahead and got one ourselves. Our vacation isnt until March of 09 so we have time to build up points.

Anyone else do this?? If so how do you take advantage of your points? Like how do you transfer them onto your vacation plan?

Thanks again....

 

[wilde_oscar]

they pay a bit more than a dime... there is a max limit on the points you can acquire.

 

[wilde_oscar]

there are several ways you can redeem the points... basically they issue you a "gift certificate"

 

[alaina1085]

oh really?? I didnt know there was a limit. My husbands co worker must be exagerating a bit then..lol. Oh well, the points will still help.

 

[BigGreen73]

I have it too. The max points you can acquire in a years time is 750 pts per year I believe. So maybe he doesn't spend a dime on the extras, IE food & mechandise etc, when he goes.

It's a good card.

 

[naf917]

We have the Disney Visa and it is our only charge card. We use it for everything, I even have phone and cable to be paid monthly using the disney card, and pay off the balance monthly. We don't quite have enough rewards for our entire trip but we usually have enough to cover the DDP for our family and sometimes even get something small for the kids.

 

[pat fan]

We have the Disney Visa, and while we didn't have enough for our whole trip (that would be a LOT!!) it did pay for a lot of things. We were a group of 7 and I payed for all 7 refillable mugs, dinner for everyone at Rose & Crown, lunch for everyone at 50's Prime Time and a bunch of meals for our family of 4 after the rest of the group went home. I think on our last day we had like $20 left and we bought snacks for the plane ride at AK.

We also pay the balance off every month. I know the interest is pretty high on that card, but we only use it for stuff we have the cash for, so we've never had to deal with that. It's a great way to save for your trip!

 

[PADISFAM]

we have the Disney Visa, the max points per year is 750, & to earn points you receive 1% per dollar spent. i.e. to receive all 750 points in a year, you will put $75,000 on your credit card. That's $6,250 a month. We do use ours & pay it off, but we didn't come close to the 750, until we got the bonus 500 points for buying DVC yay: ) last November. There are zillions of other cards out there too, we have one that gives 5% back towards the purchase of a new GM vehicle, so...............choose carefully.

 

[bsbrady]

I agree you will probably not get to the 750 points and even if you do you dont get that much for the rewards. Its still a good card to have because you can get some savings, I know most of the tours get a 20% discount for dis visa holders, and they always run specials thru-out the year. Since there is no annual fee, every one who visits dis at least once a year should have it.

 

[Crystal824]

We got married last year and ran everything through our Disney Card. We are leaving in less than a week and have over $600 to spend. What you do is you call or request a card online and they move the points over to a gift card. Once you have the gift card, you can move the points over online when you have at least 20 points.
Occassionally, they offer double or triple points, which worked out great for us because triple points was offered on food and beverages just as we made the final payment on our reception.

The card also offers 0% interest for six months on Disney vacation packages, which can be helpful.

 

[toocherie]

and don't know about WDW, but at Disney's California Adventure you can get a free picture everyday with a character or two if you are a Disney Visa card holder---they take them over at the Golden Vine Winery area (we had Chip and Dale) and then you pick them up at Greetings over California--a nice little perk.

 

[Crystal824]

You can get a free picture at Innoventions at Epcot.

 

[RNtheRN]

I have one, but I don't like using it much. Honestly, I don't like using any credit cards.

 

[design_mom]

We have thought about getting the Disney Rewards Card, but have not yet. We do not vacation at WDW every year. Does anyone know if there's an "expiration date" on your points? I haven't called to talk to anyone, but I haven't been able to find any information about that online.

For instance, we only go to WDW every 3-4 years. Could we accrue points over several years and spend them all on one vacation, or do the points "disappear" if you haven't used them in a certain amount of time?

THanks,
Kim

 

[Markstudy]

We have thought about getting the Disney Rewards Card, but have not yet. We do not vacation at WDW every year. Does anyone know if there's an "expiration date" on your points? I haven't called to talk to anyone, but I haven't been able to find any information about that online.

For instance, we only go to WDW every 3-4 years. Could we accrue points over several years and spend them all on one vacation, or do the points "disappear" if you haven't used them in a certain amount of time?

THanks,
Kim

Yep, they give you a few years to use them. But there is a limit (I'm guessing 4 years)

I'm going this year, but plan to skip next year and keep saving up my points.

Also... I think you have a shorter limit if you have already transferred your points from your credit card to a gift card (you do this step to spend your points). I'm not sure how much longer the points last on the gift card....but I'm sure you have plenty of time to use them.

 

[pat fan]

Does anyone know if there's an "expiration date" on your points?

I *think* it's 3 years for accumulating points on your Visa, and I'm almost positive that once you transfer them to a gift card you have 1 year from then to spend them. Heck, we spent them all in one trip, I can't imagine not doing that

 

[MS_mom_1965]

Check on the time limit - I'm thinking I read 5 years to accumulate. But only a year after you transfer your points to the card. It is very possible to max out the yearly limit. I hit $75,000 in 10 months this past year, so I wasn't able to get the points for my Nov and Dec purchases. Bummer.

 

[kristenrice]

We opened our Disney Visa in 2003 after DD#1 was born. We put ALL of our monthly expenses (except car and mortgage) on the card and pay it off every month. We took a vacation in January of 2008 and had all of our accumulated points available. With all the bills and Christmas presents and a fence to our backyard, etc put on that card over the last 5 years, we had over $1100 in Rewards Dollars! We paid for 2 nights at POP, 1 Child 6 day Park Hopper, 5 nights worth of DDP for 2 adults and 1 child, dinner at Chef Mickey's and my DD4's BBB appointment! There was still a little letft over for a few souvenirs for mom and dad.

You have 5 years from when you earn the points until they drop off from your account. They drop off on a monthly basis so it's not like your account suddenly goes to zero. You only lose a month at a time if you're not using them. When you want to use them, you order a Disney Rewards card and transfer a minimum of $25 rewards dollars (DDRD's) to it. They send you a plastic card in the mail and that card will have an expiration date on it. The expiration is December for the following year. I ordered a card in January 2008, 2 weeks before we left. It arrived within 5 days and it had a December 2009 expiration. That means that any points I transfer to that card will expire when the card expires. Once you have the card, you can call the number on the back and transfer as many points as you want in any increment as long as it is at least $10. You can only have 2 active cards at a time. After you have 2, you have to wait until one expires before you can order a new card. But remember, you can add rewards dollars to your card at any time. You don't order a new card to add points.

It's a great card to help earn $$$ for Disney trips, especially when you only go every 3-4 years. This means that you could have a lot of "free" money when your trip comes around. If you go every 5 years and charge only $1000 (our bills hit that easily) a month, you'll have $600 in DDRD's for your vacation! That's a week at a Value resort right there!

 

[cjackearl]

We checked into getting a Disney Visa to save for our trip, we found that the rewards on the Chase rewards card was better. We get cash back, a higher percentage than the Disney card, and if you want, you can buy disney cards with the money back.

 

[Unregistered]

We have the disney card also. What I do is pay my monthly bills with the Disney card then turn around and sign into my bank account online and pay the Disney card from my checking account. That way my DIsney card doesn't get a high balance to pay once a month and I earn points with the Disney card. Don't know when we are going back again, but hey it will be worth it when we go. Hopefully next trip will be the cruise.