-
Welcome to the WDWMAGIC.COM Forums!
Please take a look around, and feel free to sign up and join the community.
Disney Visa card
- Thread starter tractorm3
- Start date
It's a mediocre cashback card. You're better off getting a Capital One Savor card since it has greater cashback.
Goofyernmost
Well-Known Member
Agree, it isn't really worth it and cashing in used to be confusing. I don't know if it is any more. But I have had my card for around 12 years now, I have never cashed anything in and at this point have $23.00 worth and you cannot use it anywhere but Disney. I use the card occasionally now, ergo the small balance, but I would rather get the cash back from my cards then contemplate when I might use them for a Disney trip.
Last edited:
MarvelCharacterNerd
Well-Known Member
It's great if you shop with/at Disney. Can use the rewards dollars for hotels, food, and shopping at the parks and resorts.
Basically it's "free" Disney money just for using the card.
Basically it's "free" Disney money just for using the card.
JoeCamel
Well-Known Member
No it isn't free money
Weather_Lady
Well-Known Member
I have one and use it for cardholder discounts (saving $600 on our upcoming trip with a cardholder room discount, saving 10% at certain WDW restaurants and shops), but it's not my preferred card for everyday purchases, since the rewards are no better, and often worse, than what other cards offer.
I save more vacation dollars with my JetBlue Mastercard (earns enough rewards points to fly the 4 of us to Orlando for free once every 12-18 months), and my Discover card (5% cash back on a rotating category of purchases, and 1% cash back on everything else, and if I buy 4%-off Disney gift cards at BJ's when Discover has 5% cash back at wholesale clubs, the cards end up discounted nearly 9%), so I use them far more frequently.
I save more vacation dollars with my JetBlue Mastercard (earns enough rewards points to fly the 4 of us to Orlando for free once every 12-18 months), and my Discover card (5% cash back on a rotating category of purchases, and 1% cash back on everything else, and if I buy 4%-off Disney gift cards at BJ's when Discover has 5% cash back at wholesale clubs, the cards end up discounted nearly 9%), so I use them far more frequently.
Last edited:
Cmdr_Crimson
Well-Known Member
The only other perk is the free photo with Mickey and Friends at the Imagination Pavilion adjacent to the Magic Eye Theater.
It's worth having the free option for the reasons shared, the most useful being (1) opportunities only for creating holders, lile the Epcot photo spot; (2) discounts at some table service restaurants; and (3) some hotel discounts at times exclusive to card holders.
So I'd recommend the minimum spend to get the sign up bonus and then put the rest of spend on better earning cards. Yes, it earns money you could spend with Disney, but it’s money you can *only* spend with Disney. Better cash back (or points) can be used with other cards to effectively lower a particular credit card statement.
So I'd recommend the minimum spend to get the sign up bonus and then put the rest of spend on better earning cards. Yes, it earns money you could spend with Disney, but it’s money you can *only* spend with Disney. Better cash back (or points) can be used with other cards to effectively lower a particular credit card statement.
Tony the Tigger
Well-Known Member
I love it. It’s my Disney savings account, so I don’t want marginally better cash back with other cards, or I’ll be responsible and spend the points on necessities lol.
If you see any of the “2 broke guys” trip reports, we started cutting costs of our trips by using the points for a nice dinner, then a better room for a night, then a full stay. Eventually we used them for dinner at Victoria & Albert’s, and most recently, a full 4 night cruise all expenses paid.
Granted, I’m in a bit of an unusual circumstance where I own my own business. I use the card to buy a lot of our inventory, which is a lot more than typical household spending.
We went in May for 2 nights in the Cabins and will do the same next month. Everything on the trip is paid in points.
In addition, you can use the points to shop for Disney merch online, and you can use them to buy tickets to Disney movies (at least at AMC, not sure about others.)
If you see any of the “2 broke guys” trip reports, we started cutting costs of our trips by using the points for a nice dinner, then a better room for a night, then a full stay. Eventually we used them for dinner at Victoria & Albert’s, and most recently, a full 4 night cruise all expenses paid.
Granted, I’m in a bit of an unusual circumstance where I own my own business. I use the card to buy a lot of our inventory, which is a lot more than typical household spending.
We went in May for 2 nights in the Cabins and will do the same next month. Everything on the trip is paid in points.
In addition, you can use the points to shop for Disney merch online, and you can use them to buy tickets to Disney movies (at least at AMC, not sure about others.)
Br0ckford
Well-Known Member
We have one along with a Southwest card. We use them like our debit card and pay it off every month, groceries,, gas, some of the monthly bills.
Just have to remember that there isnt extra money in the checking account, that stuff is just been put on the card.
The exchange rate isnt awesome, Over the last year we have $700 in rewards We will use for food on our upcoming trip.
Also I like the card holder freebies you get. That aren't really much, just very minor extra stuff but it's cool.
Just have to remember that there isnt extra money in the checking account, that stuff is just been put on the card.
The exchange rate isnt awesome, Over the last year we have $700 in rewards We will use for food on our upcoming trip.
Also I like the card holder freebies you get. That aren't really much, just very minor extra stuff but it's cool.
hismattjesty
Well-Known Member
As someone who pays the $49 for the Premier card and gets 1% or 2% cash back, it's absolutely free money. I've averaged $840 per year in rewards in the 6 years I've had the card. I make all purchases on it (including stocking a small country store), and pay the balance off monthly, carrying zero balance. I've never paid a penny in interest, so that's $791 in free credit yearly. Sure there's better cards, but this way I can forget I even have the rewards available until I visit. Needless to say, I'm not the customer credit card companies like.
JoeCamel
Well-Known Member
All you are doing is taking it out of the pocket you could have had it in and put less back in your other pocket. You would be ahead using other ways to save for your "free" disney.
If you dont have an AP or are a DVC owner, it's worth getting the free Disney Visa and never use it. That way you get the discounts. However, the Amex every day card also has no annual free but gives you $7.00 a month credit for having the Disney Streaming bundle costing 12.99 with ads or just 5.99 a month after the credit. OTOH, you could get the Amex Platimun and get the ad free Disney bundle for just sales tax after the $20 a month credit and also have Paramount+ for free and also save 10 cents a gallon on gas at Exxon/Mobil stations because of the free Walmart+ membership. I have saved over $110 in gas costs in less than a year. The card also gives you $200 in airline fees, $100 towards TSA, $189 towards Clear, which if you have a United or Delta membership will cover 2 people, $240 in Uber credits and free lounge access. Just counting the Disney Bundle, Paramount+, Gas, Uber credit and Airline fee credits the savings are $840 or just over 20% profit on the $695 annual fee and that does not include the TSA, Clear and Lounge benefits or any of the other benefits.
hismattjesty
Well-Known Member
Agreed, but this is essentially "set it and forget it", and I acknowledge there's far better. I guess you could say I'm a "fanboy", but FAR from a pixie duster.
Almost forgot. Anyone who has a Chase card with 5% quarterly savings and a 3rd quarter renewal should use that card to pay for the renewal. I will be renewing 2 AP passes on July 30 and save 5% or $75 on $1500. Even better, I can transfer the credits to my Sapphire Reserve card and make the credit worth a minimum of $112.50.
Last edited:
ajrwdwgirl
Premium Member
I understand that there are other savings plans but this is earning "money" on money they spend on things they are buying anyway. If they are buying groceries using this card (or any other card with benefits) that earns money/points that they would not get if they were playing with cash. So if the bill is paid on time then it is "free money".
However, the cash back is only 2% at Disney and 1% on everything else. I love credit cards and save 5% or more on almost everything and 2% on non catagory spending. It takes planning but once you get used to it, it is not hard. HOWEVER YOU MUST PAY YOUR BILL IN FULL AND NEVER EVER PAY INTEREST OR YOU LOSE MONEY.
ajrwdwgirl
Premium Member
Yes, I UNDERSTAND THAT! Why you had to yell that in your post I don't know. I just was wondering how the poster said it wasn't "free money", because whether one uses the Disney Visa or any other card with cash or points back, if one pays their bill with no interest or other charges it is a free money kickback. It is money/points the person wouldn't have had if they had not used a card. I was not debating the percentage, as I agree that Disney isn't the highest percent of a kickback program.
Last edited:
I have had mine for about 8 years now. Updated to the premier one a few years ago. We pay an annual fee. We rack up rewards slightly cheaper. The free digital photo meet and greets are sadly the only legit park perk. I wish there was more but if you have any sort of Annual Pass it is even less of an incentive.
But what the 50 dollar annual fee one does save me is rental insurance when we rent cars on vacation. In particular when it is required and we have averaged renting vehicles two times a year. So that helps justify the annual fee.
Also, you can use the rewards on flights too. So we plan on not going to WDW anytime soon because we just fine the place fatigued and a mess in management at the moment, but we were able to pay for almost all of our flights after racking dollars for af few years to go down to MCO for Halloween Horror Nights this year and renew our Universal APs.
There is an option to redeem your dollars to pay for or towards flights booked with the card. It can be done whether you book directly with flight or through a travel agency/agency website such as Priceline.
But what the 50 dollar annual fee one does save me is rental insurance when we rent cars on vacation. In particular when it is required and we have averaged renting vehicles two times a year. So that helps justify the annual fee.
Also, you can use the rewards on flights too. So we plan on not going to WDW anytime soon because we just fine the place fatigued and a mess in management at the moment, but we were able to pay for almost all of our flights after racking dollars for af few years to go down to MCO for Halloween Horror Nights this year and renew our Universal APs.
There is an option to redeem your dollars to pay for or towards flights booked with the card. It can be done whether you book directly with flight or through a travel agency/agency website such as Priceline.