Chase Disney Rewards Visa

[AshleyB53]

Just got approved for one... Anyone on here have experience with it? It says after my first purchase I will receive a $50 Disney gift card. If that's as simple as it seems, that's awesome! Can the gift card be used anywhere in WDW? What about towards park tickets?

 

[brifraz]

Been using one quite a few years. We've used the Reward Card to buy park tickets, dining plan, for tips at table service, to buy all kinds of souvenirs. We have actually stopped using just about any other CC and don't use cash much any more since this is a rewards plan we will actually be using and can enjoy.

When you can, do the upgrade to the Premium card - you get higher percentages of reward on a number of items and build the Disney spending pot quicker!

 

[disneysince71]

^^^ Agreed. We have 2 and use them for everything and just pay them off at the end of the month. WE usually end up with enough to by one AP by the end of the year... We use it to pay cell phone, and a few other bills.

 

[yellowb]

I've had mine since '04, so there weren't any cool $50 perks back then. I do all of my spending on it, and it usually pays for down payment on our rooms when we go. I haven't upgraded to the premium card because I am not a fan of annual fees.

 

[AshleyB53]

I'm really excited about it! I quit using a debit card years ago and only use credit cards with cash back and rewards programs. Excited about using this one now and getting cash back to spend in the World

 

[erasure fan1]

We use it all the time and we normally get enough rewards to cover 1 nice table service restaurant. The free pic in epcot is nice too.

 

[sbkline]

I've been using the card since April 2010 and for our April 2013 trip, I had about $1550 of rewards points accumulated. My wife, my son and I all had annual passes from the previous year, but our daughter did not need park admission the previous year. So I used the $1550 gift card to pay for her park admission for the trip, then I used it for our restaraunts until it ran out towards the end of the trip.

 

[HouCuseChickie]

I didn't get the gift card when I got mine, but I like the rewards and I also like the 10% extra discount in the parks. Plan on using it in the fall to buy a Dooney- mainly rewards & gift cards, but just enough on the card to qualify for the 10% discount.

 

[luv]

Had one. Liked getting the points.

But they were forever putting holds on it to question purchases. People say that happens with all cards, but for me, it happens a lot less with other cards. It got to the point where I would carry cash just in case the thing got declined, so I quit using it.

 

[sbkline]

I've had mine since '04, so there weren't any cool $50 perks back then. I do all of my spending on it, and it usually pays for down payment on our rooms when we go. I haven't upgraded to the premium card because I am not a fan of annual fees.

I understand that, but when I did the math, I realized that the extra percentage point on gas, groceries, restaraunts and Disney purchases would more than pay for the $48 annual fee. The extra points on gas purchases alone make it worth it. We normally pay around $65, give or take, for a tank of gas in our vans. At least 4 fillups a month times two vans comes up to about $520 a month on gas (YIKES!!). $520 a month multiplied by 12 months comes up to $6,240. One percent of that would be $62.40 a year on gas. When you get the premier card and get 2% on gas purchases, that's an extra $62.40 a year on gas, to offset the $48 annual fee for having the card. So that's a net extra $14 or so of Rewards points on your gas purchases and now you're all set to get double rewards on groceries, restaraunts and Disney purchases. If you go to WDW every year like we do, then think of however much your annual WDW trip costs and double the rewards points for that.

I work at Walmart SuperCenter and I initially had a question of whether Walmarts are coded as grocery stores for the double rewards points, since we do about 95% or more of our grocery shopping at Walmart. I never got a good answer from anyone on this, but my monthly bill says it all. Under "grocery 2% points", I always have a decent number of double points and since the vast majority of our grocery purchases are at Walmart, I can conclude that Walmart (at least the one I work at) counts as a grocery store for the purposes of this card. Now whether that is ANYTHING purchased there (such as TVs, Chainsaws, etc) or grocery items only, I don't know.

But long story short, I find it far worth the $48 annual fee for all the double rewards I get.

 

[DizneyPryncess]

I have the regular Disney Visa, and love it. It's the one we use for mostly everything since it has rewards points. When I got mine, I don't remember ever getting a gift card with it, but it was a long time ago. We've used it for tour discounts, World of Disney discounts, and the meet & greet in Epcot. The designs are really cute - I have Tink, DH has Mickey Mouse. It's nice that it's the same account number, but we're allowed to have different designs. He definitely doesn't want a Tinkerbell credit card, haha.

We save our rewards points for our Disney trips, and put them toward meals or souvenirs.

 

[Poofiesdream]

Don't forget you show your card at innovations and you get a picture taken for free with the characters!

 

[dreamfinder]

It can be good if you don't have a better rewards card, and pay it off each month on time. The interest rates tend to be a bit higher to cover the reward dollars, so if you carry a balance, the rewards points will cost you money.

The rewards points can be used at pretty much any place on property that takes Disney gift cards.

When you say you were approved, did you actually apply? Or was this just the mailing they send out? Just asking as the freebies for signing up can occasionally go as high as a $100 gift card. So you may want to look around for one of those if you didn't already apply. Read the fine print, often the gift card will require that the account be kept open for 3 or 6 months, and you won't get the gift card until that point.

Beyond that, it is a reasonable card. Pay for a bunch of our food each trip with my points.

 

[lostpro9het]

Been enjoying it for over a year now. The double points at grocery stores can REALLY pay off too, especially at Kroger. Last year we purchased $2500 worth of Disney GCs from Kroger to pay for our Christmas trip. So not only did it net us $50 in Reward points but Kroger gives 4x on "Fuel points" when purchasing a gift card so we had FOUR fillups where we got $2 off/gallon. So we are regularly about $50/fillup, we filled up 4 times for less than $20. We've never had any issue loading the rewards card or using the card most anywhere in the World.

 

[ddbowdoin]

I'm really excited about it! I quit using a debit card years ago and only use credit cards with cash back and rewards programs. Excited about using this one now and getting cash back to spend in the World

don't get too excited, the rewards program is nice to get something but it takes a LONG time to get any serious amount of value.

 

[zero creativity]

I understand that, but when I did the math, I realized that the extra percentage point on gas, groceries, restaraunts and Disney purchases would more than pay for the $48 annual fee. The extra points on gas purchases alone make it worth it. We normally pay around $65, give or take, for a tank of gas in our vans. At least 4 fillups a month times two vans comes up to about $520 a month on gas (YIKES!!). $520 a month multiplied by 12 months comes up to $6,240. One percent of that would be $62.40 a year on gas. When you get the premier card and get 2% on gas purchases, that's an extra $62.40 a year on gas, to offset the $48 annual fee for having the card. So that's a net extra $14 or so of Rewards points on your gas purchases and now you're all set to get double rewards on groceries, restaraunts and Disney purchases. If you go to WDW every year like we do, then think of however much your annual WDW trip costs and double the rewards points for that.

I work at Walmart SuperCenter and I initially had a question of whether Walmarts are coded as grocery stores for the double rewards points, since we do about 95% or more of our grocery shopping at Walmart. I never got a good answer from anyone on this, but my monthly bill says it all. Under "grocery 2% points", I always have a decent number of double points and since the vast majority of our grocery purchases are at Walmart, I can conclude that Walmart (at least the one I work at) counts as a grocery store for the purposes of this card. Now whether that is ANYTHING purchased there (such as TVs, Chainsaws, etc) or grocery items only, I don't know.

But long story short, I find it far worth the $48 annual fee for all the double rewards I get.

We upgraded last year when they were offering the 5% bonuses for getting the premier card. By my math that more than covered about 2 years of fees. And as long as gas prices keep increasing, I think that I will more than make that back in rewards back.

 

[zero creativity]

don't get too excited, the rewards program is nice to get something but it takes a LONG time to get any serious amount of value.

We put everything possible on the card and carry a zero balance. We end up earning roughly 500 a year and since we go every two years we have about 1000 to offset the costs of the trip.

 

[Hoop Raeb]

These guys are very smart. We had the regular one and got a mailer that laid out our purchases last month that showed how we could cover the yearly fee in just that month alone (I buy a lot of gas unfortunately). We upgraded immediately.

 

[AshleyB53]

Has anyone tried to use their card at a restaurant to get the extra 10% off and have it declined? Just wondering what restaurants/quick service doesn't accept it

 

[ddbowdoin]

We put everything possible on the card and carry a zero balance. We end up earning roughly 500 a year and since we go every two years we have about 1000 to offset the costs of the trip.

to get 500 dollars a year takes a lot of use!