There are two Disney branded credit cards offered by Chase. The first is the Disney Premier Visa Card that has a $49 annual fee. It earns 2% at gas stations, grocery stores, restaurants and most Disney locations and 1% everywhere else. The other is the Disney Rewards Visa Card that earns 1% on all purchases, but has no annual fee.
All the rewards are in Disney Rewards Dream Dollars. These Dream Dollars can only be loaded onto a reloadable Disney Rewards Redemption Card. This is basically a Disney gift card that your Dream Dollars get loaded onto that you can use anywhere you can use a normal Disney gift card (parks, cruises, paying for a trip, DisneyStore.com, etc). The Disney Premier Visa Card has an additional benefit; you can use your Dream Dollars to cancel out an airline purchase you have made with your Disney Premier Visa Card. I’ve never personally used this feature though.
One of the best perks of having a Disney branded credit card is the ability to book discounts on trips before the general public. Disney will often times offer a discount or perk to Disney credit card holders before anyone else. These discounts can be room discounts up to 30% off or free dining offers.
Both credit cards offer a 10% discount if you make a $50 purchase in the parks and use the card to pay for it. We have used this discount multiple times. Since you must pay with a Disney branded credit cad to get the discount, it removes your ability to pay with Disney gift cards. Some dining locations also offer you 10% off your meal as well if you pay with one of the credit card.
Both cards allow you access to a character meet and greet at both Disney World and Disneyland. The meet and greet in Disney World is at Epcot in Innoventions and gets you a free 5 x 7 photo from the event. There is one in Disney’s California Adventure as well, but we didn’t take advantage of that last time we went to Disneyland. You must present your Disney branded credit card at the meet and greet to participate. Another meet and greet is available at Disney Hollywood Studios to meet a Star Wars character. We have met both Darth Vader and Kylo Ren!
Some other features of the Disney branded cards that we haven’t used, but has available, include: 15% off certain guided tours at Disney World and Disneyland; 6 months with 0% financing on Disney vacations charged to the card; a 10% discount if you make a $50 purchase at the gift shops on board; and some sort of “special” financing for Disney Vacation Club. I don’t know if paying credit card interest rates for a real estate transaction count as “special”, but you’ll have to make your own decision.
Often times, you can get a signup bonus for these Disney cards. The Disney Premier Visa card will sometimes offer a $200 Disney gift card when you spend $500 within three months of opening the card.
* Please follow us on Facebook, Twitter, and Email!