Disney Visa Pros vs Cons

[DW Goofy]

Going on cruise in Sept. would appreciate the pros and cons of using the card. Is there a six month no pay or no interest or both etc.....? Ok, let me have it!!!!!!!!!!!!!

Thanks DW Goofy

 

[tlkkrados]

We recently put our first deposit down on a Dec 2006 Cruise. I was told that we got 6 months no interest on these charges. I was also told that if I put my entire balance on the card (not all at the same time neccessarily) that I get a $50 shipboard credit. I hope that helped some. I love my Disney Visa!
Laura

 

[scarboroughmom]

I don't remember the numbers now, but I did look at the Disney Visa when it first came out. I figured that I did about 40% better by sticking with my Citibank Visa and the AA frequent flyer miles. They give one mile for each dollar charged, as do most of the frequent flyer mile cards. I charge everything on it, and pay it off every month. In the last 8 years, I have gotten 8 round trip tickets from Boston to Orlando, 2 first class round trip tickets from Boston to San Juan, and 5 round trip tickets from Boston to St Thomas. The Disney kickback just wasn't as lucrative.

 

[thegales]

Be careful of the 6 month no interest promotional deals for Disney Visa.

Some folks here have said they have made a purchase utilizing the six month promotional deal. They continued to use the card for other purchases. At month end, they paid for the other purchases, but the Credit Card applys payments first to promotional offers. So they wound up paying interest on the other charges. If you are not going to put anything else on the card, then the promotional offer might be okay. Call them to verify how payments are applied, as they may have changed.

Also Disney Visa has a higher interest rate than other 'no annual fee' cards. If you pay in full every month, then no worries. However, if you don't pay the full amount, you might be better to find a lower interest card.

With all that being said, we use our Disney Visa for everything, and have been able to 'earn' part of the deposit for an upcoming cruise.