I have 2 DIsney VISAs. One I've had since 2003, the other I just opened in January to get to 200 point bonus. I applied online with the code they sent me & was instantly approved. I had the card in the mail within the week. Just be aware that the points aren't instant - you don't get them to redeem right when you sign up. You have to use the card, pay it & wait for the billing cycle to close. Even if you pay it off early, the points aren't posted until the billing cycle ends. So if you're signing up for a bonus point promo, give yourself enough time for the cycle to run & close, and then another week or so to get the Rewards card in the mail, before your trip.