Disney Visa questions

[moviegirl11]

I was thinking about getting a Disney Visa but I have a few questions for anyone who has or has had one:

Whats the best benefit to having a Disney Visa?

If I booked my trip through AAA and paid it off with a Disney Visa would I get extra points or the same amount as any other purchase?

Do I have to hold a balance on the card in order to earn the rewards or can I pay it off in full before the end of the month and still get rewards?

 

[fitzperry]

Whats the best benefit to having a Disney Visa?

You earn points that can be used on purchases in Disney parks and resorts, at Disney Stores, etc. IIRC, you earn points at a rate of 1%. There are some special promotions, but I've never paid much attention to those. There is also a character meet and greet in Epcot for Disney Visa cardholders, and you get a free 5x7.

When you want to redeem your points, you call cardmember services and they will put the points onto a debit type card. IIRC it can take a few weeks to arrive. Once you have the card, you can transfer new points to it on-line, but the card does have an expiration date so you can't hang on to them forever.

If I booked my trip through AAA and paid it off with a Disney Visa would I get extra points or the same amount as any other purchase?

I'm fairly sure you would earn points at the normal rate.

Do I have to hold a balance on the card in order to earn the rewards or can I pay it off in full before the end of the month and still get rewards?

You do not have to carry a balance to earn rewards.

 

[LaLaroo78]

With Disney's visa you get $1.00 in disney dream reward dollars for every $100.00 that you spend. You do not get extra reward dollars for booking a Disney vacation. However if you book your vacation and use your Disney Visa you get 0% apr for 6 months. You do not need to have a balance on your card to earn your rewards they are earned at your purchases. If you are interested in getting the card I have an invitation for family and friends. If you use my code you will get a $25 gift card when you make your first purchase. If you want the code please pm me!

Hope I helped out a little!

 

[kandmwedding]

In addition to what the others said, you can often find WDW discounts specifically for Disney Visa cardmembers. Occasionally rooms or packages are discounted. There's also a discount on the tours that go through the parks.

 

[missypie]

We use our Disney Visa for absolutely everything we can and pay it off every month. For our last trip we had $1005, which fed our family for 8 days. For our November trip we have $1388 so far. We put in a pool last year and, although we couldn't put the pool on the Visa, we could charge other things like the new fence and the landscaping. When our church had a fundraising drive to remodel the youth center, we were even able to put our donation on Disney Visa.

Since we pay if off every month, it really is free money.

 

[moviegirl11]

LaLa, I will definitely PM you if I decide to sign up!

Thanks guys for your input. I read the fine print on the application but its hard to tell how good a deal is from the advertisements.

 

[dburg30]

You get 0 for six months upon opening an account, and if you book thru WDW. I got a discounted rate thru a travel agent, so while I get a cheaper price I dont get the 0% for 6 months. (well I will because I just opened the card )

 

[dburg30]

We use our Disney Visa for absolutely everything we can and pay it off every month. For our last trip we had $1005, which fed our family for 8 days. For our November trip we have $1388 so far. We put in a pool last year and, although we couldn't put the pool on the Visa, we could charge other things like the new fence and the landscaping. When our church had a fundraising drive to remodel the youth center, we were even able to put our donation on Disney Visa.

Since we pay if off every month, it really is free money.

Isnt there a 750 limit or something?

And holy cow, $1 for 100, so $100,500 for the one, and $138,800 for this one?? DO you need to adpot a 40 year old kid?

 

[joy13]

Also, When signed up, I called and asked about a clarification on the 0% APR, if your balance is not completely paid off after the 6 months, you only pay interest on the balance left, not the starting balance.

 

[dburg30]

Also, When signed up, I called and asked about a clarification on the 0% APR, if your balance is not completely paid off after the 6 months, you only pay interest on the balance left, not the starting balance.

Cool, I hadnt checked that to make sure it wasnt a 'same as cash' thing, but a true 0 for 6.

Thanks for the info!!

 

[sunsprinkle24]

So am I understanding this corectly - if I put our 3,000.00 trip on the Disney Visa, we get 300.00 or do we get 30.00?

 

[MickeyNicki]

I got mine last summer and I pay all my bills with it and pay the entire bill when it comes in....I love the fact that I can get $$ for Disney...

When we went in Oct I went to customer service in DTD, they were able to give me a redeemable card and have the points transferred right then and there...instead of waiting for 6 to 8 weeks for one in the mail! It was awesome, it paid for all the meals!

 

[Barbday62]

So am I understanding this corectly - if I put our 3,000.00 trip on the Disney Visa, we get 300.00 or do we get 30.00?

$30 is 1%

 

[huge mickey fan]

Isnt there a 750 limit or something?

And holy cow, $1 for 100, so $100,500 for the one, and $138,800 for this one?? DO you need to adpot a 40 year old kid?

Yes there is a limit of $750 dollars earned per calendar year. However the points can be saved up to five years on account. Then once you have transfered them to a card I believe you have two years to use them. I also use this for everything. I write very few checks anymore. I use my card for everything I can and then pay online. Now if my mortgage company would take Visa I could really rack up the points!!!

 

[nowellsl]

Whats the best benefit to having a Disney Visa?

The cards are really cute!

 

[madison66]

.

 

[jennynoel]

You get 0 for six months upon opening an account, and if you book thru WDW. I got a discounted rate thru a travel agent, so while I get a cheaper price I dont get the 0% for 6 months. (well I will because I just opened the card )

I've booked both my trips through a Travel Agent (Costco Travel and Small World Vacations) and used the 0% financing both times.

It has to be a Disney package though.

 

[mom0104]

I received the Disney Visa a year before our last trip and I was able to pay for all of our food and souvenirs with our Disney dollars (points). This trip I have been earning Disney dollars for 3 years and I was able to pay for half the cost of our Disney cruise with those dollars. I am pretty sure by the time we leave I will have enough Disney dollars to pay for all of our food again. I put everything I can on the card and I pay it off every month.

 

[nowellsl]

Also thought of getting cash advance then get cashier check to pay mortgage, but with the price of gas and outside temperature, it’s more trouble than it’s worth about the mortgage.

You don't want to do this, with cash advances you start getting charged interest right away - no grace period. Plus I'm pretty sure Chase charges a service charge when you take a cash advance.

 

[scrapnmom]

We've had ours almost since they first came out (took a bit of convincing to get dh to carry a Mickey Mouse Visa). When we went last time, I used the rewards card to pay for all our food and souveniers. The statement closing date was while we were there so I called from MK and had them transfer the most current points to the card. We just made plans for November and we have over $500 in rewards. I charge everything I can--my recent discoveries were charging the car insurance and medical bills. I pay the balance in full every month, my dad told me when I got my first credit card in college that I should never charge more than I can pay for.

One more thing, I know I just saw somewhere a $40 bonus for signing up, I think it might have been in the info that came with the free Disney planning DVD.