Disney Visa Card review: Caught in a no man's land

28.05.2024 - 15:17 / thepointsguy.com

The no-annual-fee Disney® Visa® Card is caught in something of a no man's land. With limited earning rates and even more limited redemption options, the card only makes sense for diehard Disney fans — and if that's you, you're probably much better off with the $49-annual-fee Disney® Premier Visa® Card. Card rating*: ⭐

The Disney Visa Card is in the awkward position of not offering much value for the average consumer while also being outflanked by the Disney Premier Visa Card when it comes to Disney loyalists.

This card earns 1% in Disney Rewards Dollars on all card purchases. If you're set on not paying an annual fee, it could make sense for you; aside from that, you'll be better off with the Premier — or a non-Disney — card instead.

We recommend a credit score** of 670 or higher to have the best chance for approval.

This card has no annual fee.

Here are more details about the card and what it offers.

Related: Are the Disney Visa credit cards worth it?

Related: How to choose the best credit card for you

With the Disney Visa, you'll earn a $150 statement credit after you spend $500 on purchases in the first three months from account opening. That's a solid return for an extremely low spending requirement of just $500.

This offer is only available if you don't have the Disney Visa and haven't received a welcome bonus on the card in the past 24 months.

Related: Here are the best credit card welcome offers

The Disney Visa offers a few nice discounts for Disney fans and allows them to choose from 13 different card designs.

With the Disney Visa, you'll get 10% off select credit card purchases at DisneyStore.com, plus 10% off select merchandise purchases at select locations at Disneyland and Walt Disney World. You'll get the same discount at select Disneyland and Disney World dining locations.

You'll also have the option to pose for special photos at private cardmember locations, and you'll receive a 10% discount off a Castaway Cay Getaway cruise package. These discounts can be handy if you spend a lot at Disney locations but not too much outside of that.

Related: Credit card perks and benefits you should be using

With the Disney Visa, you'll earn a simple 1% back on all purchases, with rewards coming in the form of Disney Rewards Dollars (more on that below).

Suffice it to say that it's not the healthiest return rate we've seen — especially compared to the Disney Premier, which earns 5% back on card purchases made directly at DisneyPlus.com, Hulu.com or ESPNPlus.com; 2% back on card purchases at gas stations, grocery stores, restaurants and most Disney locations; and 1% back on everything else.

Related: Are travel credit cards worth it?

This card earns Disney Rewards Dollars instead of cash back,