Disney Visa reward %

[mjmjbelle1023]

Disney Visa told me we only get 1% back when putting a direct purchase /down payment on the Disney Visa Premier card. Is that correct? I have heard it’s 2%, but I don’t believe it is. If it isn’t then it doesn’t really make sense for me to upgrade and get an annual fee.

 

[Cfabar1]

There are two cards. one has no annual fee. That one gives you 1%. There's also one that costs 49 dollars or so. That is the premier disney visa and will give you 2% back.

 

[DanCali]

Not sure if it's worth getting the Premier card with the annual fee. Even if you got 2% on the Disney Card, you could get 2% cash back on every purchase with Citi Double cash or Wells Fargo Active Cash. Both of these have no annual fee, and the latter also currently has a bonus for new cardholders ($200 back after spending $500).

Moreover, you can use Chase Sapphire Reserve which is effectively 4.5% cash back (3% cash back on timeshares/travel category with 50% bonus when redeemed for travel via Chase). It has a hefty fee but also a generous signup bonus.

 

[mjmjbelle1023]

There are two cards. one has no annual fee. That one gives you 1%. There's also one that costs 49 dollars or so. That is the premier disney visa and will give you 2% back.

that’s what I asked them about the Premier and the 2% he said won’t apply to putting the dvc on it

 

[mjmjbelle1023]

Not sure if it's worth getting the Premier card with the annual fee. Even if you got 2% on the Disney Card, you could get 2% cash back on every purchase with Citi Double cash or Wells Fargo Active Cash. Both of these have no annual fee, and the latter also currently has a bonus for new cardholders ($200 back after spending $500).

Moreover, you can use Chase Sapphire Reserve which is effectively 4.5% cash back (3% cash back with 50% bonus when redeemed for travel via Chase). It has a hefty fee but also a generous signup bonus.

Yeah Im
definitely not going to bother with the disney Premier

 

[Sandisw]

I did get 2% back last year on the premier card. They were also doing a special 5% back for Disney purchases on my regular ones, and got that for the first $1500 of my DVC purchase.

I don’t know if it’s been changed, but we did the premier for this reason…so some of the purchase could go on that…the rest went on my other two Disney cards.

 

[pinkxray]

I usually have a regular Disney card with the 1%. I upgraded in June to the 2% with the annual fee. Here is how it worked for me-
I made a deposit with another credit card because I needed a certain kind of points so used that to help.
I then had the balance split into 3 payments. July, August and Sept. Each one is 7261. I earned 145 Disney dollars (yes, it did count as 2%) In total after the 3 payments I will have earned around 435 Disney dollars. If I kept the 1% card it would have been 217 or so. So even with the $50 annual fee it worked out for me. I will downgrade back to the other version after the year is over.

I used my Disney card vs another card with more cash back to have the 6 month interest free. Made it easier for me to pay it in cash having it spaced out.

 

[mjmjbelle1023]

I did get 2% back last year on the premier card. They were also doing a special 5% back for Disney purchases on my regular ones, and got that for the first $1500 of my DVC purchase.

I don’t know if it’s been changed, but we did the premier for this reason…so some of the purchase could go on that…the rest went on my other two Disney cards.

Maybe I’ll call again get a different person

 

[mjmjbelle1023]

I usually have a regular Disney card with the 1%. I upgraded in June to the 2% with the annual fee. Here is how it worked for me-
I made a deposit with another credit card because I needed a certain kind of points so used that to help.
I then had the balance split into 3 payments. July, August and Sept. Each one is 7261. I earned 145 Disney dollars (yes, it did count as 2%) In total after the 3 payments I will have earned around 435 Disney dollars. If I kept the 1% card it would have been 217 or so. So even with the $50 annual fee it worked out for me. I will downgrade back to the other version after the year is over.

I used my Disney card vs another card with more cash back to have the 6 month interest free. Made it easier for me to pay it in cash having it spaced out.

I usually have a regular Disney card with the 1%. I upgraded in June to the 2% with the annual fee. Here is how it worked for me-
I made a deposit with another credit card because I needed a certain kind of points so used that to help.
I then had the balance split into 3 payments. July, August and Sept. Each one is 7261. I earned 145 Disney dollars (yes, it did count as 2%) In total after the 3 payments I will have earned around 435 Disney dollars. If I kept the 1% card it would have been 217 or so. So even with the $50 annual fee it worked out for me. I will downgrade back to the other version after the year is over.

I used my Disney card vs another card with more cash back to have the 6 month interest free. Made it easier for me to pay it in cash having it spaced out.

I know I can split the payment that way, problem is I don’t think I can pay that off that quickly. That part has me confused. I’m financing 200 direct VGF points so it’s quite a lot to pay off because doesn’t disney only give you 3 months before they charge the next amount to your card? That’s why I was only looking at using the card for the down payment. I would also pay that off using the magicla beginnings rebate chekc.

What we plan to do is pay down the loan every 6 months or so when my husband gets a bonus )

 

[Cfabar1]

I know I can split the payment that way, problem is I don’t think I can pay that off that quickly. That part has me confused. I’m financing 200 direct VGF points so it’s quite a lot to pay off because doesn’t disney only give you 3 months before they charge the next amount to your card? That’s why I was only looking at using the card for the down payment. I would also pay that off using the magicla beginnings rebate chekc.

The way mine was set up is they billed me four payments. One in June, one in July, One in August, and one in September. That means all my payments need to be paid off by March 2024 to avoid interest charges. You do need to make sure you have the available credit for your purchase. Also, my understanding is the magical beginnings check will be issued following the final payment.

What we plan to do is pay down the loan every 6 months or so when my husband gets a bonus )

That might be a better way to go, depending on your situation.

 

[mjmjbelle1023]

The way mine was set up is they billed me four payments. One in June, one in July, One in August, and one in September. That means all my payments need to be paid off by March 2024 to avoid interest charges. You do need to make sure you have the available credit for your purchase. Also, my understanding is the magical beginnings check will be issued following the final payment.

That might be a better way to go, depending on your situation.

my guide told me 30 days after closing - I better confirm!

 

[Cfabar1]

my guide told me 30 days after closing - I better confirm!

To clarify that's if you use theDisney Visa. It offers 6 months no interest.

 

[Sandisw]

my guide told me 30 days after closing - I better confirm!

That is the standard requirement. However, if you tell your guide you really would like them to get approval to be billed over 60 to 90 days, it would help due to your husband's bonus timing.

They do go to a supervisor and a few reports that they are pushing back a little for 90 days...but, it can be done...just not the norm...

We did it last year when buying 300 VGF....wanted to spread out so the SSR we were selling would close to go towards it.

 

[erionm]

Maybe I’ll call again get a different person

The list below shows that new and add-on purchases as well as annual dues are eligible for the 2% cash back with the Premier card. There is nothing the CM can do to override the 2% as it's automatic in the Chase system based on merchant.



https://disneyrewards.com/location/other-us-disney-locations/?is2percent

 

[mjmjbelle1023]

That is the standard requirement. However, if you tell your guide you really would like them to get approval to be billed over 60 to 90 days, it would help due to your husband's bonus timing.

They do go to a supervisor and a few reports that they are pushing back a little for 90 days...but, it can be done...just not the norm...

We did it last year when buying 300 VGF....wanted to spread out so the SSR we were selling would close to go towards it.

Only thing is how work tightened up big time on their bonuses. What else is new lol. So he has no idea what it may be - it def won’t be over 10k each time especially with taxes and this is for $34k. So, we did the 10 year 10.5% loan. Not IDEAL but waaay lower than other rates. And no penalty to pay off ealry.

 

[hmsTigger]

Does anyone know if you can pay for DCL excursions with reward points from Disney Visa?

 

[erionm]

Does anyone know if you can pay for DCL excursions with reward points from Disney Visa?

Yes. You have to transfer them to a Redemption Card before you sail and then you can go to Guest Relations on-board and have them apply the amount on the redemption card to your on-board account.