If you know a lot about Disney, it’s likely you know about the Disney Visa Credit Card.
©Chase
This card, like other brand-specific credit cards, allows you to save money on Disney-related purchases and can be great for some guests. However, is getting this credit card really worth it, especially if you already have a few others? Here’s when we think the Disney Visa Credit Card both is and is not, worth it.
Worth It
If you do a lot of Disney shopping online, or in the parks, the card is absolutely worth it for you, because you can save 10% on select purchases at shopDisney.com when you use your Disney Visa Credit Card! It may not sound like a lot, but that absolutely adds up and can get you some big savings.
Disney Visa
Since you can also save on Disney vacations to the United States parks, we also think the card is worth it if you book at least one Disney vacation a year. You can save money on your hotels, at restaurants, on your merchandise, and get special perks while on your vacation with the Disney Visa Credit Card, so that alone may be worth it for you!
A Special Disney Visa Credit Card Photo Op
Lastly, if you’re local to the parks and visit often to dine, the card may be worth it for you because you can get 10% off select dining locations most days at Disneyland and Disney World! Once again, it may not seem like a lot, but any money saved is money back in your pocket (that’s how money works, right?).
Not Worth It
On the opposite side of the equation, the Disney Visa Credit Card may not be worth it if you only go to Disney parks occasionally. The savings you get at the parks, along with the special perks, aren’t things you can take advantage of from home, which means you’re missing out on taking advantage of them most of the time.
©Visa
Additionally, if you’re not a big fan of Disney merchandise, or don’t find yourself buying it often for yourself and/or others, the card may not be the best fit. Again, you have to look at the perks the card offers and see how much use you would really get out of them. Otherwise, it’s just another credit card in your wallet taking up space.
©Disney
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There is a perk you forgot. The points you can save up when you use the card at home for everything you buy. Anything you use a Credit Card for gets you points that you can save up for one or more year for anything at Disney World or Disneyland. The points can help pay for tickets,hotel rooms,food etc anything at the parks. To me that is the biggest perk the card can give.We saved our points and paid for 3 night at the All Stars. But you can use the points at any hotel you like.That was just an example of the perk.
I put most things on the card and pay off each month. We can have up to $1000 of Disney points by a trip depending how frequently we go. All those little purchases and big purchases can add up.
I go only to Disneyland and maybe once a year, but I still love my Disney Visa. If I use it elsewhere, I still earn rewards that can be applied to non-Disney purchases and experiences, but I can also get Disney gift cards. If I’m not going to use them myself, I can gift them.
My card has no annual fee and a moderate interest rate, plus exclusive card designs…so what’s not to love?
Even as someone who tends to do one Disney vacation a year it feels worth it, I use it as my main credit card throughout the year so when my Disney trip comes it I almost always have enough Disney rewards dollars to cover dinning. As someone to fiscally conservative for photo pass ifs also nice getting the free photos at the visa photo spots. The hotel and restaurant deals always help as well especially if you’re not a pass holder or DVC.
Is the 10% off with card in addition to the pass holder discount?