Do I get the same perks with a debit as I would a cc?

[luvalwaysMandy]

I was thinking of signing up for a Disney Visa debit card to get some perks. But are they the same as a Disney Visa cc? We are a cc free family but I wouldn't be opposed to a debit card.

 

[Jenn4615]

You earn 0.5% in Disney Dream Reward DollarsSM on everyday qualifying purchases made with your debit card.1, 2 For every $200 in qualifying non-PIN purchases on the debit card, you earn 1 Disney Dream Reward Dollar. 1 Disney Dream Reward Dollar is worth $1 when redeeming for Disney products and offerings. this is for the debit http://disneyrewards.disney.go.com/debit/cardperks.html



For the credit ...You earn 1% in Disney Dream Reward Dollars® on everyday purchases made with your credit card.1 So, for every $100 in qualified purchases on the card, you earn 1 Disney Dream Reward Dollar. 1 Disney Dream Reward Dollar is worth $1 when redeeming for Disney products and offerings.

You can compare on under that link... U do not get all the same perks... and they aren't equal what you do get

 

[Jenny18199]

Thanks! I was wondering about that too! I will go check that out.

 

[dallastxcpa]

My understanding is that even though you don't earn at the same rate you still get the perks. Ie character meet and greet, free dining promotions, etc.

 

[MrsJackSparrow4Life]

This is the info on the Chase website:

Enjoy special Cardmember benefits and savings2

* Cardmember Character Meet 'N' Greet Photo Opportunity at Walt Disney World® and Disneyland® Resorts3
* Discounts on dining at select locations at the Disneyland® Resort4
* 10% off on select merchandise purchases of $50 or more at Disney Store retail locations and online at DisneyStore.comThird party site disclaimer, and select locations at the Disneyland® and Walt Disney World® Resort 5,6
* 20% off the non-discounted price of select tours7
* Money-saving Cardmember offers from Disney

Earn Disney Dream Reward DollarsSM

* Earn a 25 Disney Dream Reward Dollar activation bonus after five qualifying non-PIN purchases.8 (Note: Only one activation bonus per checking account.)
* Earn one Disney Dream Reward Dollar for every $200 spent on qualifying non-PIN purchases.
* Combine Disney Dream Reward Dollars from multiple Disney RewardsSM Debit Cards linked to a single checking account.

Redeem Disney Dream Reward Dollars

* Transfer Disney Dream Reward Dollars to a Disney RewardsSM Redemption Card.
* Redeem Disney Dream Reward Dollars for Disney merchandise, Theme Park tickets, hotel stays, dining and more!

Carry the cards that adds magic to your day!10

Annual fee
$25 annual fee per checking account
No additional fee for up to four Disney Rewards Debit Cards linked to the same checking account

 

[bumbershoot]

Same park perks. Though they did water down one of the Disneyland Resort perks...used to get a free stroller rental (2 strollers per day), now it's just 50% off...did that right before the debit card came out.

But you do earn the rewards slower. On the other hand, no chance of interest being charged!

The $25 fee is, well, annoying. This year it was "erased" because we got an immediate $25 in reward dollars with first use...I do see that we've earned $25 more in just our normal purchases, so if it ends up being a wash we'll probably continue it. The card is cute, LOL. On the other hand, Chase has some normal debit card rewards programs that you don't pay money for...they don't pay you in Disney rewards dollars, but I'll be looking into what you CAN get without a charge, just to make sure.

On the other other hand, having access to the Chase Disney Visa debit/credit park deals is nice!

 

[SuzanneSLO]

[snip]But you do earn the rewards slower. On the other hand, no chance of interest being charged!

The $25 fee is, well, annoying. [snip]

So the credit card is free and earns twice as many rewards as the debit card? Seems hard to justify paying $25 per year just to avoid the possibility of paying interest. -- Suzanne

 

[LisaNJ25]

So the credit card is free and earns twice as many rewards as the debit card? Seems hard to justify paying $25 per year just to avoid the possibility of paying interest. -- Suzanne

yes, but I know myself well enough that I will be paying more than $25 a year in interest.

I also got $100 for opening the account and than the $25 Disney rewards.. so kind of looking at it like I got 5 years worth for free.

 

[stacielee]

Remember about the protection you get with a CC as opposed to a debit card.

 

[dallastxcpa]

Remember about the protection you get with a CC as opposed to a debit card.

You are not necessarily more protected wtih a cc.

From the Wall Street Journal:

What about protection in cases of fraud? Although federal law mandates stronger protections for credit cards, in practice, most issuers treat both the same in cases of fraud, says James Van ****, president and founder of Javelin Strategy and Research. If lost or stolen debit cards are reported within 48 hours, cardholders are not responsible for more than $50 of fraudulent use. If reported two to 60 days afterward, cardholders could be held accountable for up to $500 of fraudulent charges. After 60 days, though, consumers face unlimited loss.

Credit cards, by contrast, face a $50 maximum liability, regardless of when reported. Recent research from Javelin indicates that credit cards are nearly twice as likely to fall prey to card fraud.

 

[turkeymama]

You have protection with your bank debit card when you use it as a "credit" and sign for your purchases, as opposed to using it as a debit with your PIN.