Disney Visa Question

[stevevm]

So I have the Disney Visa Card.
For the 10% merch at the parks, can I just show my Visa for the discount or do I actually have to pay with the Disney Visa? Could I pay with Gift Card or redemption card?

 

[cassie58]

I believe you need to pay with the card, and it's 10% off if you spend $50 or more. I mostly use the discount at home at Disney Store/online, haven't spent over $50 in one store in the last few trips. I am not sure if you are on-site and charging back to your room, if maybe you could show it if it is your card on the room account. Then you could pay off the room charge later with gc/redemption card if that is your plan.

 

[bluezy]

Any time I've used my card for the discount I had to charge the purchase directly to the card. I also had to show my photo ID which I fortunately had with me (not sure what they would have done if I didn't have it with me). I know not everyone is asked for photo ID, but for some reason on our trips in 2015 & 2016 I was asked for it every time I used my Visa for a discount.

 

[mdelano4]

You have to use the card for the purchase.

 

[MrPTato]

You can use the redemption card as well.

 

[lanejudy]

To receive the 10% discount off purchase of $50 or more:
You must show the Visa card, and either use it or a Redemption card as form of payment.
You cannot use your MagicBand as payment even if you have the Disney Visa on file with the resort.

Enjoy your vacation!

 

[cassie58]

To receive the 10% discount off purchase of $50 or more:
You must show the Visa card, and either use it or a Redemption card as form of payment.
You cannot use your MagicBand as payment even if you have the Disney Visa on file with the resort.

Enjoy your vacation!

Thanks for that info. so I will know for next trip!

 

[Z-Knight]

is that card worth getting? it seems too good to be true because it has no yearly fee and you get $200 if you make some purchases in the first 3 months. what am i missing? is there a fee after the first year?

 

[MrPTato]

is that card worth getting? it seems too good to be true because it has no yearly fee and you get $200 if you make some purchases in the first 3 months. what am i missing? is there a fee after the first year?

I think the card with the $200 credit is the Premier, which has a $49 AF. Card has good in park perks, but you can do better with a straight 2% CB card.

 

[bluezy]

is that card worth getting? it seems too good to be true because it has no yearly fee and you get $200 if you make some purchases in the first 3 months. what am i missing? is there a fee after the first year?

It really depends on how you use your card and what you use the rewards for. We have the Disney Premier Visa ($49 annual fee) because it earns 2% rewards dollars on Gas, Restaurant, and Grocery purchases -- which is a huge portion of our usual monthly charges. We also currently have an additional 3% bonus reward (on top of the standard 1%) for any utility bills charged to the card (cell phone, electric, cable, etc.) I can't remember how long that lasts but it's already been 2 months. The Disney Visas (both the free one -- which only earns 1% rewards on all purchases -- and the $49/year one) give you 6 months free financing on Disney vacations (not a benefit we use) and often give you early access to new Disney Vacation discounts when they are released. I believe with the current discounts, Disney Visa card holders didn't get early access but they have additional dates available that aren't available to the general public. You also get a 10% discount on in-park purchases over $50 (at certain stores) as well as at the Disney Store.

There are definitely better general rewards cards out there -- especially if you fly (though the rewards on the Disney Premier Visa can also be used towards airline tickets) but we like the Disney Visa because it kind of "forces" us to take a Disney trip every few years. We could probably earn a slightly better reward return on a different card, but we like that these reward dollars are focused on Disney. If we were getting cash back it would probably get spent on other things and that would interfere with my plans to go to Disney every 2-3 years. We had the standard (free) Disney Visa for many years (got it about 6 months after it came out) and we have always managed to accrue $1500 over a 2 year period to use towards our trips. We got the Premier Visa a few months ago and are now accruing rewards dollars even faster. We cleared our rewards account last June when we took a Disney trip and we already have $800 accrued for a future trip. I will say that we use our Disney Visa card for almost all of our regular expenses -- rarely using cash for anything. We do pay off the balance every month, though. Paying interest is going to negate any benefits from the rewards dollars. We also use a Chase Freedom card for certain purchases. That card only give 1% rewards on purchases; however, they have a bonus category on a quarterly basis. Charges in the bonus category earn 5% in rewards. This quarter it is grocery purchases, so we will use that card for those purchases. Those rewards can be used for several different things (gift cards, cash, statement credit, etc.) so we use those for cash back towards our Disney trips. We currently have $200 accrued there. So...in 10 months, with almost no effort on our part, between the two rewards cards we've accrued $1000 towards our next Disney vacation.

It's not unusual for credit cards to offer a really good enticement to get new customers. When we switched to the Disney Premier Visa we got a statement credit for $50 (which basically made it free for the first year). It wasn't a great incentive, but it was enough to push us to upgrade. We carefully calculated whether it was worth paying the $50 yearly fee for this card but in the end realized that we will earn about $150-200 more per year in rewards with this card so it was worth the fee. I will say it's the *only* credit card we have that charges a yearly fee and I will still try to get it waived next year. When we got the Chase Freedom card, they had a "flash" deal -- Charge $500 in the first 30 days and get a $500 statement credit. That one was a no brainer.

 

[greentea]

is that card worth getting? it seems too good to be true because it has no yearly fee and you get $200 if you make some purchases in the first 3 months. what am i missing? is there a fee after the first year?

You're not missing anything, it's very straightforward and you can cancel after getting the gift card if you want, or just keep it in case you want to use any of the benefits in the parks. I thought it was worth it to get the gift card because there is no annual fee, even though I have a card with better rewards for everyday use. I do pay my utilities with my Disney card right now though because of the offer bluezy mentioned, where you get 4% back for utilities over the summer instead of the usual 1%.

I think the card with the $200 credit is the Premier, which has a $49 AF. Card has good in park perks, but you can do better with a straight 2% CB card.

There are regular offers of a $200 gift card after spending $500 within three months for the regular Disney Visa, which has no annual fee. Sometimes you get them in the mail or email, sometimes you can have a friend or relative refer you if they get an offer (so you get the $200 gift card and they get $50 in rewards for referring you).

 

[Z-Knight]

There are regular offers of a $200 gift card after spending $500 within three months for the regular Disney Visa, which has no annual fee. Sometimes you get them in the mail or email, sometimes you can have a friend or relative refer you if they get an offer (so you get the $200 gift card and they get $50 in rewards for referring you).

yup, that's the one i keep getting. so this does not have the annual feel...well, geez this might be worth it since i will be traveling every year to disney to do the Marathon race so i can always use it to get discounts, etc....heck without a fee, why not! thx

 

[DISfirstTimer]

Yup no fee. I just did this offer. The card has no fee and I got $200 after spending $500'in first 3 months! I'm. Using the card for everything until our trip in March and then I'll probably cancel it as I have other cards with better rewards and interest rates.