MoneyGeek’s Take

Disney Visa Card Review

The Disney Visa Card is an excellent option for anyone who is looking for a Disney rewards card. It has no annual fee and includes access to exclusive rewards, events and photo opportunities at Disney locations.

Last Updated: 5/30/2022
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The Disney Visa Card gives you access to savings on Disney vacations, parks and other locations. Members even get a discount for Disney merchandise when they use the card to make purchases. However, the earning rate for this card can be a little low compared to other rewards cards. Our Disney Visa Card review will evaluate the important features and fees associated with this card so you can decide if it’s right for you.

Card Details to Know Up Front
  • Bonus, Fee or Feature
    Has or Not
  • Has Annual Fee
  • Has Balance Transfer Offer
  • Has APR Offer
  • Has Rewarding Welcome Offer
  • Credit Needed
Click to see this card’s rates, fees and how they compare to other cards in our dataset.

Disney Visa Card at a Glance

The Disney Visa Card doesn’t have an annual fee, although it comes with a high maximum APR and penalty fees. Nevertheless, as long as you pay your bills on time, you can enjoy the Disney perks at a low cost.

  • Disney Visa Card

    A good no-annual-fee rewards card for people who make Disney purchases

    • ExcellentCredit Needed
    • None at this timeAPR Offer
    • None at this timeAPR Offer Duration
    • 0% Intro APR on balance transfersBalance Transfer Offer
    • 8.25%APR

Pros & Cons Explained

The Disney Visa Card gives you access to exclusive locations and limited promos. With this card, you can enjoy additional Disney perks without an annual membership fee. However, you will want to be aware of the downsides of the card before you apply.


  • Benefits
  • Savings and Discounts at Disney
    Disney Cards come with a 10% discount for the Disney Cruise Line, selected locations at Disneyland and Walt Disney World as well as Cardholders also get a six-month 0% promo APR for Disney vacation packages.
  • Access to private locations and exclusive limited promos
    Cardholders can access special photo opportunities with their favorite Disney characters in exclusive locations at the Disneyland Resort and Walt Disney World Resort. They also benefit from limited-time promos for discounts, products and offers.
  • No annual fee
    The Disney Visa Card has a $0 annual fee. It’s a more accessible option for people who want to earn rewards for their love of Disney.


  • Drawbacks
  • Low reward earnings
    Cardholders can only earn 1% Disney Rewards Dollars for all their qualifying purchases. While there are no limits to how much you can earn, it might be difficult to receive substantial Disney Rewards Dollars at this rate. There are also no other reward rates for selected transactions, like gas stations, grocery stores and restaurants.
  • Charges fees on foreign transactions
    This card has a 3% foreign transaction fee for every transaction. Traveling and visiting Disney locations around the world while using this card could cost extra money.
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The Disney Visa Card didn’t make our list of the best rewards cards. To learn more about MoneyGeek’s top picks for rewards cards, check out our list of the best rewards cards of 2022.

Bonuses & Rewards Explained

The Disney Visa Card offers various rewards and bonuses. Here are the details about what the card offers in terms of perks.


$150 welcome bonus

Cardholders can receive a $150 statement credit when they spend $500 during their first three months of card ownership. This bonus is not available for current cardholders or those who have received a welcome bonus in the last 24 months.


1% Disney Rewards Dollars for every purchase

One Disney Reward Dollar is equivalent to $1. With a Disney Visa Card, you can earn 1% Disney Reward Dollars on all your purchases using this card. Your purchases don’t have to be from Disney establishments, but reward redemptions are primarily at Disney locations and amenities.


10% discount on merchandise purchases

A 10% discount is applied on all purchases at and pay using your Disney Visa Card.

Other Features Explained

The Disney Visa Card gives you access to limited-time offers and special opportunities at Disney parks. It also includes promo rates on Disney Vacation packages.

  • Card Feature
  • 0% promo APR for Disney vacation packages
    Cardholders can access 0% APR for six months after purchasing a Disney vacation package or real estate interest in a Disney Vacation Club Resort. After six months, the APR will go back to the regular rate of 13.99% to 22.99%.
  • Cardmembers limited offers
    Sometimes, Disney offers limited promos that are exclusive to cardholders. These promos can include discounts, freebies and exclusive passes to their events.
  • Special photo opportunities at Disney parks
    During certain hours, cardholders can access special photo opportunities at the Disney California Adventure Park, Star Wars at Disneyland Park and Disney’s Hollywood Studios and the Walt Disney World Resort. Every cardholder can give entry to these opportunities for six people. The access can only be used once per day.
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Disney Rewards Dollars expire after five years of getting posted to your account. To ensure you don’t lose your points, load them onto a Disney Rewards Redemption Card. Make sure not to lose this card, though, because anyone who has a redemption card can use it unless you report that yours is missing.

Understanding the Fine Print

The rewards and Disney perks that are included in this card may come with no annual fee, but there are other charges that you might incur. These include a late fee, a return fee, a penalty APR, foreign transaction fees and a high APR.

  • Card Feature
    Amount or Rate
  • APR
  • Annual Fee
  • Balance Transfer Fee
  • Balance Transfer APR
  • Late Fees
  • This is an icon

    Regular APR

    The regular APR depends on your creditworthiness and the Prime Rate. For this card, the APR range is 14.24% to 23.24%.

  • This is an icon

    Penalty APR

    The penalty APR applies when you miss a due date or when your payment gets returned unpaid. To avoid this, you need to pay the minimum amount due on your card on time. The penalty APR for the Disney Visa Card is up to 29.99% and can remain in your account indefinitely.

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    Late Fee and Return Fee

    If you don’t pay your bill on time, the issuer charges a late fee. If you make a payment but it bounces (i.e., a check payment with insufficient funds), the issuer charges a return fee. This card charges a late fee and a return fee of $40.

  • This is an icon

    Foreign Transaction Fee

    Using your Disney Visa Card overseas will cost 3% more for each of your purchases.

  • This is an icon

    1% Disney Rewards

    You’ll earn 1% in Disney Rewards for every dollar you spend using the card.

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Information about some credit cards may not be present in MoneyGeek’s resources. However, you can find this information in many places. For example, you can check your latest billing statement, official websites of issuers, your credit card agreement, terms and conditions and other sources.

Who Should & Shouldn’t Consider Disney Visa Card?


Other Considerations for Disney Visa Card

It’s important to consider a variety of factors before applying for a credit card. There are many things to evaluate whether this card will be your first, only or an additional card in your wallet.

Things to Consider if This Will Be Your First or Only Credit Card

The credit requirement for a Disney Visa Card is high for someone without an established credit history. You will need a credit score of at least 670 to qualify for this card.

If this is your only credit card, take note that rewards redemption is exclusive to Disney locations and merchandise. Additionally, the earning rate for this card is not the most generous when compared to other rewards cards. Unless Disney trips are regularly in your schedule, using the Disney Visa Card as your only card may not be the best choice.

Things to Consider if This Will Be an Additional Card in Your Wallet

There could be better rewards cards to add to your wallet, but the Disney Visa Card’s advantage is its exclusive Disney perks with no annual fee. If you’re planning to add this card to your wallet, you don’t have to worry about additional expenses every year.

Having this card can be pricey if you don’t pay in full every month. This card has a late fee and a return payment of $40 as well as a penalty APR of up to 29.99%. The penalty APR will start if you don’t pay the minimum monthly payment on time or if the payment will return unpaid. There is no set period for the duration of the penalty APR.

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MoneyGeek gathered information from approximately 2,500 credit cards listed in the Consumer Finance Protection Bureau's credit card agreement database. Our methodology includes analyzing data points, average spend profiles and card bonuses and reviewing as well as re-ranking data regularly.

How Disney Visa Card Compares to Other Cards

Quick Comparison of Disney Visa Card


Disney Visa Card

  • Annual fee: None
  • Welcome bonus: $150 statement credit after spending $500 within three months of owning this card
  • Rewards rate: 1% Disney Reward Dollars on all purchases
  • Airline travel: You cannot redeem Disney Reward Dollars on airline travel
  • Best for: People who would like to earn and redeem rewards from Disney locations without paying an annual fee

Disney Premier Visa Card

  • Annual fee: $49
  • Welcome bonus: $300 statement credit after spending $1,000 within three months of owning this card
  • Rewards rate: 2% Disney Reward Dollars on purchases at gas stations, grocery stores, restaurants and most Disney locations; 1% Disney Reward Dollars on all other purchases
  • Airline travel: You can redeem Disney Reward Dollars to get a statement credit on airline travel
  • Best for: People who don’t mind paying an annual fee for better rewards

Other Helpful Decision-Making Q&As

MoneyGeek’s Disney Visa Card review aims to provide you with the right information and answer your questions to help you decide if this card is the best card for you. Below are the frequently asked questions about the Disney Visa Card.

Still not sure about this card? Consider these options.

The Disney Visa Card lets you access exclusive Disney perks without a membership fee. If you think this card is not the right fit for you, exploring and comparing other rewards cards, travel cards or even cash back cards can help you find the best card for you.

Learn more about credit cards in general

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity.
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