Chase Disney CC regular vs. $49/ annual fee.

[cruisehopeful]

Whenever I have looked at the Disney Chase card, I have decided that my other cards were better for me. I received a targeted offer and am thinking about it now as a possibility for direct points and/or annual dues.

For those of you who have either card, can you share which card and exactly how it benefits you. I already have a bunch of Chase cards, so I'll probably need to move credit for another, which is NBD to me. I'm just trying to figure out if it's worth it. There's a sign up bonus and I am conflicted on the 6 months no interest Disney vacation vacations. My Chase Sapphire preferred has the trip insurance and I normally book my trips that way.

 

[leebee]

It definitely doesn't have the highest reward ratio, for sure, but I like my Disney VISA cards. We currently have 3 cards and I like them because everything is "ear"marked for Disney. I also have different hotel cards and airfare cards, all for the points/miles. I prefer to purchase directly from the merchant than thru a 3rd party (like Chase... and I love Chase...) in case there are issues or problems.

I have the original, no-annual-fee "Day One" card which pays 1%. I have all my recurring monthly charges on that (not that it's a lot... sling, MPBN, my EZpass, etc) and the points sort of dribble in. We use the 2% (gas, groceries, restaurants) card (with the $49 annual fee) for EVERYTHING, and pay it off monthly. I have enough points on that card to pay for two rooms at the AllStars for 5 nights (which is where we'll be in a week, taking the Little Guy for his first Disney trip)! Also... I just opened another 2% card as it came with a $400 statement credit for $1000 or more in purchases in the first 3 months. This brought the price for 3 adult, 3 day base tickets down to $970. Yes, I have to pay the $49 fee, but still worth it to save $351 on Disney tickets.

It's really a matter of preference. As I said, I'd rather book/deal directly with the merchant instead of having to go through the point-issuing bank. I know I could save more, but this works for me.

 

[Brian Noble]

The $0 fee card doesn't have much of a downside. I almost never use it, for the same reason you mention---the rewards are not great. I have other cards that meet or exceed 2% on the included cateogories for the $49/year version, so there has never been a reason to get it.

I do keep the free one. There is the very infrequent perk that is only offered through the visa---the one I've used most often is the character greeting in the Star Wars Launch Pad. I am also getting 5% this quarter at gas stations, restaurants, and grocery stores for the first $1K spend, which is---fine, I guess?

If I didn't already have one, I probably would not bother.

 

[PolyRob]

I opened the Disney Rewards Visa before I really got into credit cards for benefits and bonuses. If you really want one for the cute card designs, trip/DVC financing, and in park perks I suggest you get the Premier with the highest bonus available. The Premier offers a $400 bonus right now with a $49 fee and 2% on select categories. The fee free offers a $200 bonus and 1%. After holding it for a year call Chase and request a product change to the fee free card. Best of both worlds. You may also get targeted promotions from time to time to upgrade again with a spend bonus. I can't justify the $49 fee unless the bonus or upgrade negates the fee.

If you want "free financing" there are better 0% APR options for longer durations than 6 months on all purchases. If you want in park perks you can request a Disney Visa debit card from Chase if you already have a checking account there OR open a Chase checking account with a bonus and get a Disney Visa debit without a new line of credit or hard pull.

You'd be better off referring your husband from your CSP with the 10,000 Ultimate Reward bonus to a new CSP with the 100,000 Ultimate Reward bonus if he isn't already an authorized user on your card.

 

[VGCgroupie]

Whenever I have looked at the Disney Chase card, I have decided that my other cards were better for me. I received a targeted offer and am thinking about it now as a possibility for direct points and/or annual dues.

For those of you who have either card, can you share which card and exactly how it benefits you. I already have a bunch of Chase cards, so I'll probably need to move credit for another, which is NBD to me. I'm just trying to figure out if it's worth it. There's a sign up bonus and I am conflicted on the 6 months no interest Disney vacation vacations. My Chase Sapphire preferred has the trip insurance and I normally book my trips that way.

I just downgraded my card to the no fee card. TBH I have so many great credit cards that the Disney Visa value isnt there vs other cards. Even for DVC dues if you are paying by credit card a Chase Ink or Reserve will yield you more points 3x. You could use a CapOne Venture or Amex Blue Biz and get 2x the same as the Disney Visa. The 0% is very tricky. Before DVC I had a $5500 stay that didnt qualify for 0% because the phone agent didnt book it properly. DVC dues dont qualify for the 6 months 0% that I am aware of. DVC purchases do, but again Chase offers 3x points. If you check your Amex offers you could do an Amex Blue Biz Plus or Cash. That is 2x/2% and has 0% interest for 12 months.