Is it worth it to get the Disney Visa??

[ama223]

We just booked a trip for 11/29 through 12/6 of 2009 and it looks like last year, free dining was offerred to Disney Visa holders.

Is it worth it to sign up for the Disney Visa and hope they offer it again? We barely use credit cards, but if it means free dining it might be worth it, right?

 

[buzznina]

We got the Disney Visa and we only charge the purchases that we would have paid by cash or check(gas, groceries, restuarants...) and we do not use it for any other purchases. We pay it off every month (their interest rate is high) this way we are only using it for our normal purchases. We have accumulated over 600 in disney dollars, we are saving to have a free trip Also; if you use it to pay for your disney trip it's 0% interest for 6 months.

 

[HLAuburn]

I think its worth it! Even if they don't offer "free dining" specifically, Disney Visa cardholders usually are offered specials before they come available to the general public. And as the PP mentioned, you do get 6 months interest free on packages, if that's something you would want to do.

To me, the best perk is the points. We put most purchases on the card, pay it off every month, and rack up the points for our next trip. A few weeks before your trip, you simply request a card and add you points to it - you can use it just about anywhere at Disney. If you know you're going to be going to DW, its like free money! We had about $500 last trip, and we should have close to that for our next one too. That's a lot of souvenirs! We've been very happy with the customer service, too.

 

[edwardsfire]

Heck yes!
We use our all the time. We pay it off, or close to every month.
We had close to 500.00 on it (Disney Dollars if you will)
The last time we went to WDW.
Just keep it payed off, or a close to that as you can.
Our interest rate was 5.0% for purchases, it will be going to 9.99 in March.
The increase is happening to everyone. Some it goes as high as 20 plus %, it depends on your payment history and credit.

 

[Mom2twinboys]

How many dollars do you have to spend to get 1 disney $? We are going in Dec. and I was wondering if that would be enough time to earn Disney $s?

 

[mousefan1972]

How many dollars do you have to spend to get 1 disney $? We are going in Dec. and I was wondering if that would be enough time to earn Disney $s?

$100 spent will earn you one Disney "point" (dollar). So, 1% of your purchases. Once in a while Chase (the bank that offers the Disney Visa) will run promotions where you can earn 5X reward dollars in certain categories (usually groceries, gas, etc) but this requires you to reach a certain threshold in those categories before the 5X rewards kick in. We just had a promotional period end where we earned $46 dollars in one month, waaaay more than what we usually accrue.

I like our Disney Visa card, mainly for the access to discounts and for the perk of having an extra 6 months to pay off our vacations. You would need to spend a lot of $$ to rack up hundreds of dollars of reward points.

 

[PoohBearFriends]

Where do you go to get the free pics with your Disney Visa Card?

 

[su_A_ve]

getting a big TV? Get the DVR first! The DVR is one of the few fee-free visas that include some signature options such as warranty manager. Not only you get a double warranty for up to one year for most purchases, but you can also purchase extended warranty.

For example, a $2000 TV would cost upwards of $800 for a 5 year extended warranty. Thru visa, it's only $190.

Another benefit is early access to purchase tickets for certain events (usually via ticketmaster).

 

[su_A_ve]

Where do you go to get the free pics with your Disney Visa Card?

Epcot Innovations West (I think), every day between 1pm and 4pm. It's a 'private' meet and greet (just a few minutes) with several characters.

 

[ms mouse]

We use if for big purchases, then pay it off. If you pay if off when you get the statement, no interest. It is a free card, no annual fee. You also get a percentage off for tours. Its worth it to us, and the free character meet is great. We did it on Christmas Day, saw Mickey and Pluto with NO WAIT!! They were great, told us to take as many pictures as we wanted.

 

[mommy*RN]

I agree the Disney Visa is awesome!

My SIL's husband does a lot of traveling for work. He has to pay for things up front and then his company reimburses him. They charge everything to their Disney Visa and then pay it off when the company cuts him a check. This way they rack up reward $$ without having to pay anything. Pretty smart.

I use mine for every day purchases and then pay it off when the bill comes. So even though I have the $200 for groceries, I deduct it from my checking account but use the charge. When the bill comes the money is just sitting in my checking waiting for me to pay the credit card. It's a system that works and then I rack up rewards.

 

[ama223]

Thanks everyone! I'm not worried about not paying it off - we always pay our CC in full each month. I just wondered if the rewards were worth it...

Free dining would be awesome!!!!!!!!!!

 

[thesaurinis]

I have the Disney Visa and love it. I use it for everything possible. I buy groceries each week and then go home and do a web banking payment right from my checking account for that amount. That way I really don't ever have any charges (to say) on the card. I try to pay as many bills as I possibly can also each month with it. I am working on saving for a trip or partial trip and I am up around 100 points and just started about a yr ago.

I love the compliments I get on the card too when I hand it to the cashiers. LOL

 

[disneybam]

I use mine for every day purchases and then pay it off when the bill comes. So even though I have the $200 for groceries, I deduct it from my checking account but use the charge. When the bill comes the money is just sitting in my checking waiting for me to pay the credit card. It's a system that works and then I rack up rewards.[/QUOTE] by mommy*RN




This is exactly what we do.

 

[CoachG]

We have already put down the deposit on our upcoming trip. Can I still get the Disney Visa and put the balance on that or do you need to use the card when you actually book the trip to get the 6 months with 0% financing?

 

[covereddish]

Yes, you can still use it for your balance, and if you got your Disney Visa in time, you could always cancel/re-book your trip, and then it would all be on there, and you would get the Reward points for it, too! That is the best part!

We are big fans, can you tell!

 

[ciera321]

We have a Disney Visa and it's worth it to us. We only charge a few things a year (like airline tickets) and pay them off when the bill comes, so it's like free money on a Disney trip for us. We usually only have enough for a couple of dinners, but they are free.....

 

[Karamia]

I used it to book my Disney Cruise and you get OBC's also!

 

[Cinderumbrella]

It is so worth it!!!!!!!!!!!! We got our a few years ago just to get a jump start on a discount for a fall trip before it went to the general public.

We charge EVERYTHING on it (gas, groceries etc.) and pay it off each month. Last year we also received several 5X offers and really racked up the points. We accumulated just under $600 and used that money to upgrade our 8 day PH to AP's (our OOP cost for the upgrade - $3.47)

 

[Stitch_Is_King]

It is absolutely worth it. We have been Disney Visa card holders for years. Use it and pay it off every month. One years we racked up about 500 Disney points. Interest rates will vary based on credit history but it is the primary card we use. Heck, it is the only reward card we have where we think the rewards are useful.