Disney Credit Card Review | The Ascent

Top perks

Since they’re designed for Disney lovers, the Disney credit cards’ benefits center on the Disney theme parks and stores.

Cash back on purchases, plus bonus for some categories: You’ll earn at least 1% in Disney rewards on purchases, regardless of which card you choose. With the Disney® Premier Visa® Card, you’ll earn an additional 1% (for a total of 2%) on purchases at official Disney companies or at gas stations, restaurants, and grocery stores. A lot of people who love Disney have families, so earning extra cash back on gas, groceries, and restaurant purchases can be especially helpful.

Low annual fees: Unlike the theme parks, the Disney credit cards won’t cost you a fortune. The basic Disney® Visa® Card has no annual fee, and the Disney® Premier Visa® Card comes with only a $49 annual fee. The fee on the more expensive Disney card unlocks a higher rewards rate and the ability to use your rewards for airline statement credits, which may be worth it for those who have to fly to the nearest Disney location.

Savings and special events on Disney vacations: Ever want to meet your favorite Disney character? You can get a complimentary “character experience” with a Disney or Star Wars character at a Disney theme park with this card. You’ll also get a 10% discount on select dining options and on merchandise purchases over $50 in a Disney park. If you take a Disney cruise, you’ll get unspecified “savings,” or you can get 10% off a vacation package to Castaway Cay.

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Disney vacation financing: You can finance a vacation package at 0% intro APR for six months if you charge it to your card. However, most financial experts would advise caution here, because it’s not a great idea to take on debt for non-essentials. Besides, if you save up to pay in advance, you’ll earn interest on that money.

Savings and special events at Disney stores: Finally, you’ll also get 10% off your purchases at any Disney store. This discount extends to purchases made in Disney’s online store. Keep in mind that you must use your Disney credit card to pay for your purchase to get the store discount. Plus, as a Disney cardmember, you’ll enjoy access to special in-store events not open to the public.

View more information: https://www.fool.com/the-ascent/credit-cards/articles/disney-credit-card-worth-it/

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