Disneys Credit Card

[Shiloh]

Every $100.00 you spend using the Disney Visa you get 1 point as a reward. So to get 10 points you have to spend one thousand dollars. Not a very good reward program , in my opinion. You have to spend too much money per point. each point equals $1.00. So say you have 75 reward points. That equals 75.00 you can spend at Disney. BUT you had to SPEND $7,500..not to mention the interest.. to get that "free" 75 points to spend. Not a good value.

 

[wannab@dis]

Every $100.00 you spend using the Disney Visa you get 1 point as a reward. So to get 10 points you have to spend one thousand dollars. Not a very good reward program , in my opinion. You have to spend too much money per point. each point equals $1.00. So say you have 75 reward points. That equals 75.00 you can spend at Disney. BUT you had to SPEND $7,500..not to mention the interest.. to get that "free" 75 points to spend. Not a good value.

Not a good value? Maybe if you don't pay it off at the end of the month. But then again, what credit card is a good value if you don't pay it off. :veryconfu

I've had $250 rewards for my trips the past two years and didn't pay a penny of interest. Very nice value.

 

[scottnj1966]

Just make sure you pay off whatever you charge every month, the interest on that thing is very high ....

Actually the interest rate you receive depends on your credit rating, just like other cards.

 

[Miss Bell]

We love this card. We buy everything with it, pay it off at the end of the month, and the last three years have had enough points for all of our big meals at WDW each year. Other reward programs may have better deals, but when I use this one toward something on my trip, it makes me feel good. Plus, anytime we rack up a major unexpected expense, we're always like, "Oh well, that's just more money to spend at Disney World."

 

[mattfz]

The card really isnt that great.

The points are quite a bit lower than what you would get on any other card with cashback. Not to mention the interest rate sucks. It is definately not a card that you would want to carry a balance on.

But it is a Disney Card. I used it for awhile! Until the interest rate got too high. Any points I accumulated were not really worth it.

Not to mention, the process to transfer points to the Rewards Card is kind of a pain. Not terrible, but sort of inconvenient. And they expire.

Dont get me wrong though, I imagine the card is decent if you pay it off every month.

 

[MaryMcMagic]

My husband and I got the card when it was first introduced in 2003 and we love it. We never carry a balance because we pay it off every month. We don't get to Disney as much as we'd like, every 2-3 years, so the points have really accumulated! We feed as many of our monthly bills through it as we can (they have to take credit for payment) and because I have my own direct sales business (I'm a Tastefully Simple Consultant) I do all of my ordering with this card as well. While the card may not be for everyone, it works in our world. In January '07 we'll be making another trip with at least $1200 in rewards! Not too shabby!

 

[dreamteacher]

how long does it take for your credit limit to go up I have had my card over a year and it is still the same on my other cards they went up in like 6 months or so.

 

[Nansafan]

how long does it take for your credit limit to go up I have had my card over a year and it is still the same on my other cards they went up in like 6 months or so.

You can always call the card's customer service number and request your credit limit be raised just like you can for any other bank card. Whether they will do it is up to them.

 

[aroyston]

rewards cards

for those looking for good rewards deals.........the citi rewards card and the chase cash rewards card are by far the best i've found after a ton of research. I use both of them daily, and I have my rewards maxed out at the $300 per card allowed per year by about april or may of every year, thats $600 cash.......both cards give 5% rewards at gas stations and grocery stores, you can't beat it.....1 % on every other purchase.

 

[JeffH]

I just got my 4th Disney Card

I just got my 4th Disney Card, and for some reason it has a higher credit limit than the 3 before...
My 1st card was $4K
My 2nd card was $4K
My 3rd card was $2K
My 4th card is $5K
I don't understand the pattern?

They must like how all my money funnels through them with most of it going to Disney with purchases at WDW, the Disney Store, the Disney Store online...

 

[scottnj1966]

I just got my 4th Disney Card, and for some reason it has a higher credit limit than the 3 before...
My 1st card was $4K
My 2nd card was $4K
My 3rd card was $2K
My 4th card is $5K
I don't understand the pattern?

They must like how all my money funnels through them with most of it going to Disney with purchases at WDW, the Disney Store, the Disney Store online...

How did you get 4 cards?

 

[Anthony95]

for those looking for good rewards deals.........the citi rewards card and the chase cash rewards card are by far the best i've found after a ton of research. I use both of them daily, and I have my rewards maxed out at the $300 per card allowed per year by about april or may of every year, thats $600 cash.......both cards give 5% rewards at gas stations and grocery stores, you can't beat it.....1 % on every other purchase.

i have a citi card i rarely use. i have it for emergencies. i use my visa debit cause i want to make sure that the money is taken out immediately and that i don't carry any interest - AND, i hate carrying debt around and i have a bad habit of not paying a card off. so i just keep a small balance.

i guess i could practice doing like you guys do... pay with credit, then take cash and pay on card. i would have to do this simultaenously or within the same day because i'll forget!

 

[JeffH]

How did you get 4 cards?

I just kept applying (getting a $10 gift card each time) at Downtown Disney everytime we are there. The form at the booth does not ask if you already have a card or have already signed up. And you get either a Disney bag or $10 gift card everytime you sign up. Last Spring break my brother an I signed up a total of about 16 times during the week (that's when I got my 3rd card). This is one way to get all the different card types.
By the way the bag (either black or blue) is REAL nice. The see-through net front gets you through security quicker, and the thermal bottom keeps you water bottles cold (or frozen)!
My daughter loves it, because she then gets to buy almost anything with the card, since I consider it a -$10 discount on anything in the stores.

 

[nillyp]

I applied for the Disney Credit card about 3 months ago. I finally got it, and after my first use, they sent me a $50 WDW gift certificate. I just received that in the mail today. It is good until Dec '07. There is a promotional code in the back of the new Birnbaum's guide that you can enter on the website to get the $50 gift certificate, but you do have to be approved and use the card before they will send you the $50. I thought it was a pretty good deal.