There are two Disney-branded credit cards offered by Chase. The first is the Disney Premier Visa Card which 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 which earns 1% on all purchases, but has no annual fee.
All the rewards are granted 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 as a credit toward an airline purchase you have made with your Disney Premier Visa Card. We’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 frequently 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 Disney-branded 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 card to get the discount, you may not pay with Disney gift cards on that transaction. Some dining locations also offer you 10% off your meal as well if you pay with one of the credit cards.
Both Disney-branded credit cards allow you access to an exclusive character meet and greet at both Walt Disney World and Disneyland. The meet and greet in Disney World is currently at Epcot in Innoventions and gets you a free 5 x 7 photo from the event. 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! There is an exclusive 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.
There are also some benefits to using the Disney Visa card as your on file credit when you cruise with Disney Cruise Line. These benefits include 15% Off at select spa and salon locations, 10% off select Disney Cruise Line digital photo packages, 10% off select merchandise purchases of $50 or more aboard Disney Cruise Line, 10% off a Castaway Cay Getaway Package, and 20% Off select onboard massages or facial treatments. We have set our Disney Visa card as our main credit card while on board, but we haven’t used any of the above benefits.
Some other features of the Disney-branded cards that we haven’t used, but which are available, include 15% off certain guided tours at Walt Disney World and Disneyland; 6 months with 0% financing on Disney vacations charged to the card; 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 counts 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. The Disney Visa Card without the annual fee sometimes has a $50 Disney gift card after you make your first purchase.
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