Not sure how you would like the rewards back...in other words, do you want cash back versus flexible points that can be applied to rooms/air versus cash back only at Disney.
So if you have a Disney Visa (either regular or premier) you'll get cash back worth disney reward points (once you cash it in) you can load it on a card that looks like a gift card. These are sort of forced Disney spending since you can't use the Disney Rewards anywhere else!
If you want flexible points then Chase Ultimate Rewards and a card that earns that would be good (such as Chase Sapphire Preferred)-although it has an annual fee of $95 (deferred the first year I believe). American Express Membership Rewards can be earned with the Amex everyday card (earn a bonus if you use it more than 20 times a month, 2x rewards for groceries).
The downside to either Chase's Ultimate Rewards or American Express Membership Rewards is that you have to spend some time/energy figuring out how to best use them!
Good cash back options include Discover It-it has rotating categories 5% back on categories that rotate throughout the year- for example right now (until 3/31) the category is 5% back at Warehouse Clubs, next quarter is grocery stores, Q3 is restaurants, Q4 is
amazon/warehouse again. After you've had the card for a year, Discover matches what you've earned. I earned $454 during 2017-2018 and when my first year's statement closed I earned another $454.
Citi has a double cash back as well-1% when spent, 1% when the bill is paid off so it's nice to have a reward (other than staying out of debt!) to pay off your statement.
Chase has two no fee cards that can be helpful for cash back/statement credit-the Chase Freedom which is 1% with 5% rotating categories like Discover It OR Chase Freedom Unlimited a flat 1.5% back on all purchases.
Neither Citi nor Discover It have annual fees; the Chase Disney doesn't either but the Chase Disney Premier does.
Chase has a promotion right now for the no fee-a $50 credit with any purchase; while the Premier ($49 card) has a $200 credit with $500 spent in the first three months. I don't know if you've applied for several credit cards in the past 24 months (2 years) but although the Chase Disney doesn't fall under the 5/24 (many of their cards have this rule--not approved if 5 cards from any issuers opened in past 24 months) they still look very closely at how many you've obtained in the past 6, 12 and 24 months. The Chase Freedom/Freedom Unlimited DO fall under the 5/24 rule, unfortunately.
If you're looking to earn free flights to Disney, then SW card (chase again) can be good but remember there is a minimum spend in the first 3 months-$2,000 for 50,000 rapid rewards, plus a $69 annual fee.
So, I guess first ask yourself how you want to earn rewards for Disney.
Then, do you have a preference for which bank issues this?
Please feel free to ask any questions!
) Then I'd get a 2% cash back on everything card to keep it simple after hitting the Disney card & snaging the bonus. No fee, no chasing categories (I get the feeling that's not something you need to deal with right now). I know the Citi Double Cash will get you 1% back when you make a purchase and then 1% back when you pay it. Others may know other cards like that.
