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Old 11-23-2009, 12:44 PM   #1
ajpa
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Disney Visa - any down side?

I am wondering if getting a Disney Visa has any disadvantages?

DH doesn't like having a lot of credit cards --we only use 2, and never carry a balance. He is very wary of applying for new credit cards in general and will only consider those that have no annual fee and excellent reward programs.

Is there any downside to the Disney Visa card we should be aware of before we consider applying?

Thanks!
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Old 11-23-2009, 12:45 PM   #2
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I was wondering this same question. I'm thinking about getting one too.
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Old 11-23-2009, 12:50 PM   #3
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The reward element of the Disney VISA on its own is less robust than what other cards offer. My Chase BP Amoco card, for example, offered 5% back on all BP Amoco purchases and 2% on most travel purchases, whereas the Disney card offers a flat 1% back on all purchases. That's the biggest drawback, IMO.

Of course, the Disney VISA also offers periodic room discounts and other benefits that may offset some or all of that reduced reward benefit. You'll just have to kind of think that through.

The Disney VISA card itself is much cuter too.
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Old 11-23-2009, 12:53 PM   #4
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Quote:
Originally Posted by Jestocost View Post
The reward element of the Disney VISA on its own is less robust than what other cards offer. My Chase BP Amoco card, for example, offered 5% back on all BP Amoco purchases and 2% on most travel purchases, whereas the Disney card offers a flat 1% back on all purchases. That's the biggest drawback, IMO.

Of course, the Disney VISA also offers periodic room discounts and other benefits that may offset some or all of that reduced reward benefit. You'll just have to kind of think that through.

The Disney VISA card itself is much cuter too.
I love the designs for disney visa cards!
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Old 11-23-2009, 01:04 PM   #5
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I considered getting one when we got the pre-approved app in the mail, but I don't know if it's worth it. Does the 1% reward rebate apply to any and all purchases?
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Old 11-24-2009, 04:38 AM   #6
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I love the designs for disney visa cards!
I do too. I have an old Bambi design that they no longer use. My card expires next summer and I really hate having to give up my Bambi card. almost every time I use it I get comments on it.
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Old 11-23-2009, 01:00 PM   #7
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Quote:
Originally Posted by Jestocost View Post
The reward element of the Disney VISA on its own is less robust than what other cards offer. My Chase BP Amoco card, for example, offered 5% back on all BP Amoco purchases and 2% on most travel purchases, whereas the Disney card offers a flat 1% back on all purchases. That's the biggest drawback, IMO.

Of course, the Disney VISA also offers periodic room discounts and other benefits that may offset some or all of that reduced reward benefit. You'll just have to kind of think that through.

The Disney VISA card itself is much cuter too.
But usually room only discount for Visa is matched for general public in couple days, I do not see advantages to havw this card, except it is cute.
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Old 11-28-2009, 09:24 PM   #8
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But usually room only discount for Visa is matched for general public in couple days, I do not see advantages to havw this card, except it is cute.

Usually, but not always. Last year in December, we got a Disney Visa package discount that gave us free dining PLUS a room discount. I may be wrong, but I don't think it was ever made available to the general public.

We also enjoy the private Meet & Greet with the characters. There's also a 10% discount at World of Disney on purchases $50 or more. Sometimes you get offers for discounts on Disney on Ice or special movie screenings in your local area.

The reward benefits can be used at the Disney Store, DCL, Disney's Hilton Head Island Resort, and Disney's Vero Beach Resort as well.
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Old 11-23-2009, 01:02 PM   #9
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We have carried this card for four years. In addition to the reward benefits, there are special character greets and other in-park periodic events for cardholders only. We find these valuable as well. Since there is no cost for the card, we saw no downside, other than some people don't like to have extra credit cards.

And yes, they're cute.
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Old 11-23-2009, 01:07 PM   #10
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It has no annual fee. You receive 1% back on all purchases to be issued via Disney Rewards card - good at WDW and DL, in addition to disneyshopping.com. Has the typical grace period with no interest, if you pay off your balance in full each month.

I have had one since it came out. No issues.

They do offer some specials - i.e. sometimes no interest for disney cruises or vacations charged to the card. also a character photo and meet and greet in Epcot. You can sometimes also get 10% off at Disneyshopping.com.

Several card designs to choose from. My kids liked Tink - lots of people comment to my DH when he uses his Tink card!
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Old 11-23-2009, 01:10 PM   #11
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My husband hates using Tink! But it's the only credit card we use now, so there's really no choice for him.
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Old 11-23-2009, 01:12 PM   #12
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Have they been doing anything with the interest rates lately? It is comparable to other reward cards?
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Old 11-23-2009, 01:52 PM   #13
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Have they been doing anything with the interest rates lately? It is comparable to other reward cards?
It's a Chase card, and Chase has been messing with interest rates, most definitely.
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Old 11-23-2009, 01:57 PM   #14
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Have they been doing anything with the interest rates lately? It is comparable to other reward cards?
Just got a new disclosure. My rate is prime plus 9.9%. The discount at some of the Disney Stores does not apply to all purchases. I think it is over $50 in merchandise and certain items are not included. Movies for example.
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Old 11-23-2009, 03:18 PM   #15
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My husband hates using Tink! But it's the only credit card we use now, so there's really no choice for him.
I have Tink. My DH has a generic gray one. You can call and get a different style (non-character) for your DH. The cards don't have to be the same one.
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