We’re Answering ALL of Your Disney Credit Card Questions

You’ve heard of Annual Passes, the Disney Vacation Club, and maybe even things like the Castaway Club, Club 33, and other “exclusive” Disney memberships — but have you heard of the Disney Chase Visa?

Disney VISA

If you’re all about getting EVERYTHING Disney, then you might be thinking to yourself “how do I get this Disney credit card?! And how does it work?” Well, you’re in the right spot! Today we’re breaking down everything you need to know about just how the Disney Chase Visa works!

The Basics

Basically, the Disney Chase Visa is a Disney-themed credit card through Chase Bank (there are 2 types of cards) that lets you earn Disney Rewards Dollars for purchases made with the card. These Disney Rewards Dollars can then be redeemed into a Disney Rewards Card and used to buy items on shopDisney, in the parks, and more.

2 Types of Cards

Let’s start out with what cards are available. Technically, there are 2 different types of Disney Visa credit cards available — the Disney Premier Visa Card and the regular Disney Visa Card.

Premier Visa

The Premier version of the Disney Credit Card has a number of differences when compared to the “regular” version of the card. For starters, it has an annual fee of $49.

The new member offer for the card is also different than the “regular” card. If you are a new cardmember and you get the Premier Visa, you could earn a $300 statement credit after spending $1,000 on purchases within the first 3 months of opening the account.

New 50th design!

With the Premier Visa, there’s also a difference in terms of how many points you earn for purchases. Premier Visa cardholders can earn 2% in Disney Rewards Dollars on card purchases made at select locations — specifically, gas stations, grocery stores, restaurants, and most Disney locations.

For all other card purchases, Premier Visa cardholders earn 1% in Disney Rewards Dollars. 


Another special thing about the Premier Visa is that rewards dollars can actually be redeemed for a statement credit to use toward airline travel. Basically, what you’d need to do is purchase your airline tickets with your Disney Premier Visa Card on any airline. Then, you can “pay yourself back” by redeeming any of the Rewards Dollars you have toward a statement credit.

Noticing a price increase on your Disney World flight? You’re not alone!

Regular Disney Visa Card

So, how is the “regular” Disney Visa different than the Premier version? Well, for starters, the regular Disney Visa does NOT have an annual fee.

The new cardmember offer is also different. If you spend $500 on purchases within the first 3 months after opening your account with a new Disney Visa Card, you could earn a $150 statement credit.


The amount of points you earn with the “regular” Disney Visa is also different. There’s no opportunity to earn 2% here, like there is with the Premier Visa. Instead, “regular” Disney Visa Cardholders earn 1% in Disney Rewards Dollars on all purchases made with their card.

Also, “regular” Disney Visa cardholders can’t redeem their Disney Rewards Dollars toward a statement credit for airline travel. That’s exclusive to Premier Cardholders.

Click here to see the average cost to fly to Orlando in April of 2022

Benefits for Both

Now that we’ve gone over the basics of the card itself, let’s go over one of the most important things — the BENEFITS that come with the card!  These benefits apply to both the Premier and “regular” Disney Visa.

No Limits

For starters, the big bonus here is that there are NO limits to the number of Disney Rewards Dollars you can earn, so the sky’s the limit when it comes to racking up the points!

Can Redeem Disney Dollars for LOTS of Things

The other big benefit is that you can redeem those Disney Rewards Dollars for lots of things — buying your Disney theme park tickets, resort stays, shopping (online and in person), dining at the Disney parks, movie tickets to see Disney films, and more!

We’ll get into a bit more of how this works in a second, but basically you’ll (generally) redeem your Disney Rewards Dollars into a Rewards Card.

Redemption Card

That Rewards Card then functions much like a regular Disney Gift Card would, allowing you to spend it on all kinds of things around the parks (and sometimes online).

Disney Cruise Line

When it comes to Disney Cruise Line, Disney Visa Cardholders can get a variety of different benefits!

©Disney Visa

Cardholders can get discounts on select Digital Photo Packages, select merchandise purchases on Disney Cruise Line ships, Castaway Cay getaway packages, and even select onboard spa treatments!

Click here to see what it costs to take a Disney Cruise

Merchandise Discounts

Disney Visa Cardholders can also get 10% OFF select merchandise purchases of $50 or more at select spots in Disney World or Disneyland. Just be sure to pay with your Disney Visa (and/or a Disney Rewards Redemption Card) and ask about the offer! You can visit the Disney Visa website to see what spots are NOT included for this discount.

Disney Merchandise

Disney Visa Cardholders can also get 10% off on select purchases made on shopDisney. To get this discount, be sure to sign into your account, use the promo code DRVCMEMBER, and then pay for the purchase with the Disney Visa or a Disney Rewards Redemption Card.

Click here to see the official Disney candles that are now for sale ONLINE!

Dining Discounts

Disney Visa Cardholders can also save on all kinds of meals in Disney World and Disneyland! Specifically, cardholders can get 10% off select dining locations most days in Disney World and Disneyland.

At Disney World, the discount is valid at a variety of locations including Boma – Flavors of Africa, Toledo – Tapas, Steak & Seafood, Grand Floridian Cafe, Le Cellier Steakhouse, and MORE!

A beautiful piece of meat from Le Cellier

Some spots note that “restrictions apply” — that’s mostly a date-related restriction where there will be certain blackout dates on which the discount won’t work. But still, this could help you save a decent amount at a variety of table service spots throughout the Most Magical Place on Earth (and over at Disneyland too!). You can visit the Disney Visa website to see the full list of restaurants where it applies.

Click here to see our ranking of every single restaurant in Disney’s Hollywood Studios!

Access to Special Photo Opportunities in the Parks

Sometimes Disney Visa cardholders can also get special photo opportunities in the parks.

Disney Visa Cardholder Photo Spot at EPCOT | 2020

At the moment, these may not be available or may be more limited, but you’ll want to keep an eye out for potential Cardmember exclusive photo spots in Disneyland and Disney World.

Exclusive Access to Certain Perks & Limited-Time Offers

Sometimes cardmembers can also get access to items exclusively for them, like special collectible keys, pins, and more.


Cardmembers may also be able to get limited-time offers on things. You’ll want to check year-round for these unique discounts, exclusive merchandise opportunities, and more.

Vacation Financing

Vacation financing is another thing that might interest quite a lot of folks in this card. If your vacation qualifies (only certain vacation packages do) and you’re a Disney Visa Cardholder, you could get a promotional APR of 0% for 6 months on your trip. Qualifying vacations may be to Disney World, Disney cruises, Adventures by Disney, and more.

The key here is that you’ll have to purchase the trip with your Disney Visa Credit Card. The standard APR will then apply after that promotional APR expires.


The Disney Visa website also notes that cardmembers can get 0% promotional APR financing for 6 months on the “amount of the purchase of a real estate interest…in a Disney Vacation Club Resort” that is charged to the member’s Disney Visa Card. So if you’re thinking of becoming a DVC member, the card could help with some financing there too!

MORE Deals at Disneyland

In terms of other perks at Disneyland, Disney Visa cardmembers can generally get access to unique Magic Shots, 15% off select guided tours (when available), and even a discount at participant locations like Wetzel’s Pretzels or La Brea Bakery Cafe (with qualifying purchases).

Cardholders also currently have access to a special 2022 Disneyland Resort Vacation Package that comes with a Disney Rewards insulted cooler bag, a collectible pin and lanyard, and MORE!

©Disney Visa

The key here is to constantly look and see what deals might be available for cardholders at all of the resorts!

Other Disney World Deals

At Disney World, Disney Visa Cardholders can find exclusive Magic Shots, get 15% off select guided tours (including the Wild Africa Trek — mid-day tours only), get 10% off select recreation experiences (like horseback trail rides at Fort Wilderness!), and save at participating locations like Joffrey’s Coffee, Paddlefish, and more.


Disney Visa Cardmembers can also get access to certain deals for Disney on Broadway shows, use their Rewards Redemption Card to buy tickets to see Disney, Pixar, Marvel, and Star Wars Movies through AMC Theaters, get fun card designs (including a 50th Anniversary design), and even save at Aulani, Disney’s Vero Beach Resort, and Disney’s Hilton Head Island Resort.


The pro tip here is to really search the Disney Visa website and Disney’s other websites to see where you can get benefits, as these benefits can change. When in doubt, ask if there is a Disney Visa discount — you never know when you might be surprised by one!

Also, be sure to check the Disney Visa online blog for little tips and tricks about visa points, free printable activities, and more!

How Many Points Can You Actually Get?

Wondering how many points you’ll earn on your regular, monthly purchases if you start using the Disney Visa card? Well, you can actually use a calculator on their website to see.

If, during a month you spend $100 at gas stations each month, $150 on restaurants, and $250 at grocery stores, you’d earn around 10 Disney Rewards Dollars per month with the Premier Card (120 Disney Rewards Dollars for the year), or 5 Disney Rewards Dollars per month with the “regular” Disney Visa (or 60 Disney Rewards Dollars per year).

©Disney Visa

One Rewards Dollar is equal to $1 (US) when it’s being redeemed toward most Disney products and at offerings at Disney locations, and for statement credits for airline travel if you’re a Premier Cardmember.

More About Disney Rewards Dollars

One important thing to note is that there are no block-out dates when redeeming Rewards Dollars (you may find block-out dates when using your Visa for discounts — but that’s different).

Another thing to keep in mind is that for most (if not all) of the perks and discounts above, you do need to use the Disney Visa card or a Disney Rewards Redemption Card to get the discount.

Check Your Available Rewards Points

One BIG thing you’ll want to be aware of is that any Disney Rewards Dollars in your account will EXPIRE after 5 years! Want to make sure your points never expire? Then you’ll want to load them into a Rewards Redemption Card. Once you load them onto the Redemption Card they’ll NEVER expire!

You can also combine your Disney Visa discounts with your Redemption Card to get the maximum benefit. In other words, you can generally  get a discount with your Visa and then also use your Redemption Card to pay for the item.

Back of the Redemption Card

Each month, your earned Disney Rewards Dollars are posted to your Disney Rewards account. You can check them online or look at them through the Chase app to see how many Rewards Dollars you have.

You can also check to see the balance on your Disney Rewards Redemption Card, reload the balance of this card, and request another card if needed. You can have 2 Redemption Cards per account.

Here’s the Balance

Also just note that if you return an item that you used your Disney Visa Card to purchase, you will lose the Rewards Dollars associated with that purchase once the credit posts to your account.

Step-by-Step Process

So, how do you get a Disney Visa card and redeem your Rewards Dollars? Here are the basics. First, you’ll apply for the card, which you can do through the Disney Chase Visa website. If approved, you’ll get the card. Remember there are lots of fun designs to chose from and you can change your design later if you want!

Then, you may want to download the Chase app so you can set everything up, track your spending, pay off your card, and see your points all in one spot.

In the app, it’ll show you your “Disney Rewards Dollars.” You can hit “Manage Rewards Dollars” to see more information. When you do that, it’ll show you how many dollars you have and what’s pending. You can also see certain details on the Disney Rewards website.

Pending Points

To redeem your points, you’ll need that Rewards Redemption Card. Again, this is basically a gift card that will hold all of your Rewards Dollars. You’ll load it with whatever points you have and then you can continue to reload it.

You’ll Need that Redemption Card!

You can then use it to pay for your items online, in the parks, etc. To order your card, you have to have at least 20 Disney Rewards Dollars to load onto it.

Once you have the Redemption Card, you can reload it anytime you want with a minimum of 10 Rewards Dollars.

Order a New Card

You can order or reload the Redemption Card online, on the phone, or in the theme parks at select locations.

Reload Your Card in the Parks!

And that’s the basics of the Disney Credit Card! What do you think? Is this a card you’d be interested in? Do you have this card? Tell us your thoughts in the comments below!

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Do you have a Disney Visa? Tell us about your experience with the card in the comments below!

The post We’re Answering ALL of Your Disney Credit Card Questions first appeared on the disney food blog.