Disney Visa Perks

[~Kik-Kik~]

What little things do you get? I heard of the Character Spot, how does that work? Is there anything else?

 

[bytheblood]

If you login to chase.com/disney and click on the benefits link, it will take you to a page that lists all perks and discounts available to you. These change often, so you want to make sure to check it close to your arrival date.

 

[Debbie-TN]

They had a promotion a few months ago for certain days to get free dining. I got to use the code when I booked our trip when I put our hotel and tickets on the card. YEAH!!! Free dining. It was wonderful. I hope they have more this year. Also, you get a Disney Reward dollar for every $100 you put on the card. Several times last year they ran specials on certain things like gas and groceries, where you got 5 times the rewards. The dollars are put on a card and you can spend them any where in WDW, even to pay on your trip.

 

[dolphindan1]

We picked up an application while we were there a couple weeks ago...We only have 1 credit card in my family with less than a 1000 dollar limit so I dont really want another card but it may be too good to pass up...Maybe I can transfer our 300 bucks from our existing Visa to the new card...

 

[joy13]

We picked up an application while we were there a couple weeks ago...We only have 1 credit card in my family with less than a 1000 dollar limit so I dont really want another card but it may be too good to pass up...Maybe I can transfer our 300 bucks from our existing Visa to the new card...

I would only do that if you can't pay it off and they are offering 0% on balance transfers. There is always a fee on transfers (around $50) and you don't get reward points for transfers, IIRC.

 

[dolphindan1]

I would only do that if you can't pay it off and they are offering 0% on balance transfers. There is always a fee on transfers (around $50) and you don't get reward points for transfers, IIRC.

I hate debt but I like to leave a little balance to keep the history going....I maybe looking at it wrong...

anyway thanks for the info...

 

[loonytoony]

I hate debt but I like to leave a little balance to keep the history going....I maybe looking at it wrong...

anyway thanks for the info...

You don't need a balance to keep the history going. Just use it once in a while is enough.

 

[Tomh]

You're better off to not carry a balance. I charge all of my daily purchases on the Disney card, including gas, groceries, and I use it to pay some of my bills (those that will let me use the credit card) including my cell phone, cable, and car insurance. Every time I make a purchase with it, I make certain that the money to cover that purchase is set aside in my checking account, so at the end of the month, there is no surprise, the money is there to cover the bill, and I pay it off in full as soon as the billing period ends.

Generally, balance transfers are a bad idea. There is almost always a transfer fee of a couple of percent, and generally, you still wind up paying interest on the balance on the new account. By the time you add up the transfer fee, and the interest rate on the new card, you don't save any money over just leaving it on the current card. Sometimes if they are offering 0% interest for at least one year, or no fee transfers it is worth it, but not for $300. I'd just pay that off anyway.

 

[bytheblood]

I hate debt but I like to leave a little balance to keep the history going....I maybe looking at it wrong...

anyway thanks for the info...

As long as you charge something every 6 months, that keeps your history alive and keeps your credit card from being deactivated.

 

[Poohbear5]

We got our card 6 months ago, never carry a balance, and we've received over $200 in rewards dollars so far.We're hoping to get one of our park hoppers for free!

 

[~Kik-Kik~]

I meant things like the free stroller rentals and Character Spot, lol.

If anyone wants to know, you get 1 free 5x7 photo at the character spot with whatever character is available. That is 1 per card, so if you and someone else in your family have a card you can get 2.

 

[LovinPooh]

I love the perk of people saying 'wow! I love your card!'
That hot blonde I have on my card is a real eye catcher
It didnt dawn on me until a couple months ago to charge everything up and pay it off for the points. DUH We have $50 in rewards to go with next month. BBB is our plan for it.
And the alone time with the characters at Epcot is a real plus

 

[marybrat]

If anyone wants to know, you get 1 free 5x7 photo at the character spot with whatever character is available. That is 1 per card, so if you and someone else in your family have a card you can get 2.

Really? I didn't know this. Last time we were there, we used my card to get the free picture. If we go again and DH's card, we can get another picture? (It's the same account).

 

[dydrmr81]

Nevermind... found my answer on the site

 

[jb01]

This is the best card I carry and I have many
As stated above do not transfer over any balances to this card. They may give you free interest for a few months but the transfer fee will kill you.

 

[HockeyMomNH]

It's $1 Disney Dollar for every $100 dollars spent. But as a poster above said, they do specials during the year where you can get bonus dollars.

We use our card for everything, gas, groceries, etc. and pay it off every month too. We usually have over $500 in Disney Dollars for our trips and we use them for shopping and food at the parks mostly.

 

[dydrmr81]

It's $1 Disney Dollar for every $100 dollars spent. But as a poster above said, they do specials during the year where you can get bonus dollars.

We use our card for everything, gas, groceries, etc. and pay it off every month too. We usually have over $500 in Disney Dollars for our trips and we use them for shopping and food at the parks mostly.

Wow - that's great! Definitely worth considering!

 

[michelleiada]

I love my card. We put all of our daily expenses on ours too, and then pay the balance every month. We have almost 900 reward dollars and have only been accumulating since our last trip in May 2007. We plan to use our points to pay towards the DDP for the four of us.

 

[dydrmr81]

Pardon the potentially stupid question (I don't know a whole lot about credit cards), but isn't the amount of interest you end up paying in the long run, even if you pay the card off every month, more than the amount of Disney dollars you earn? So I might earn $200 in Disney dollars, but ended up paying way more than that in interest...? Hope I worded that correctly - I know what I'm trying to say

 

[rutgers1]

dydrmr...In theory, if you pay off the balance every month, then you will never pay interest and, therefore, come out ahead. I don't trust myself and I don't trust these rewards cards enough to make a go at it. With my luck, if I started charging everything, I'd screw up somewhere along the line, miss a payment or two, and then owe more than I earn in rewards. It seems like a lot to balance to get a few free Disney bucks for your next trip.