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11-04-2012, 08:32 PM
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#1 |
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Mouseketeer
Join Date: Aug 2012
Posts: 117
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Disney Visa - maximizing benefits
I am applying for a Disney Visa through their latest promo, and would like your advice on how best to maximize the benefits of the card (building up points, etc) in anticipation of our trip in April to WDW.
TIA for your advice!
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Me
 DH  DD 9  DD 8 : : DS 7  DarlingDog 1  |
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11-04-2012, 08:34 PM
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#2 |
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DIS Veteran
Join Date: Mar 2007
Location: New Jersey
Posts: 806
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Charge everything you possibly can - gas, groceries, utilities, and then pay it off every month.
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 dd 9  & : POR 2012, AKL 2010, Pop 2009, Pop 2008, POFQ 2008, AsMo 2007, Dolphin 1998, off-site 1993, off-site 1987, off-site 1st trip 1979! |
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11-04-2012, 08:36 PM
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#3 | |
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Mouseketeer
Join Date: Aug 2012
Posts: 117
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Quote:
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Me
DH DD 9 DD 8 :: DS 7 DarlingDog 1 |
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11-04-2012, 08:36 PM
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#4 |
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Earning My Ears
Join Date: Nov 2012
Location: 2290 miles too far
Posts: 34
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Do the exclusive Meet & Greet at Epcot whenever possible.
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11-04-2012, 09:39 PM
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#5 | |
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DIS Veteran
Join Date: Mar 2007
Location: New Jersey
Posts: 806
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Quote:
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Me, ds 10
dd 9 & :POR 2012, AKL 2010, Pop 2009, Pop 2008, POFQ 2008, AsMo 2007, Dolphin 1998, off-site 1993, off-site 1987, off-site 1st trip 1979! |
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11-06-2012, 10:43 AM
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#6 |
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DIS Veteran
Join Date: Jul 2012
Location: Florida
Posts: 1,306
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I don't know if you have the regular or premier visa, and if you have a bonus period. So logistics will vary a bit, but you can also figure out how much money you will need on your trip and purchase Disney gift cards before you go. This way you get the percentage back in Disney rewards before you go. As others have said I charge all I can to it and pay it off every month. We had a bonus period and earned over $700 in rewards in those 3 months alone.
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11-06-2012, 10:59 AM
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#7 |
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Mouseketeer
Join Date: Feb 2006
Location: New Jersey
Posts: 185
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Disney Visa
We are headed down tomorrow(
 ) with our Disney Premier Rewards card. We have over $900 on it. That will pay for our food and goodies for 6 days (3 people). I put everything on it and pay it off every month. I upgraded to the Premier b/c I got extra points for a period of time- 5x/s the points when I booked our vacation and paid it off. There is a fee with upgraded card- I think $49- but it did pay for itself.Also, I upgraded b/c you can exchange points to pay for airline miles on any airline/anyday/anytime.
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11-06-2012, 06:30 PM
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#8 |
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DIS Veteran
Join Date: Mar 2008
Location: Tornado Alley, Kansas
Posts: 1,211
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I just got my visa and am investigating gift cards. I think for my situation I will end up purchasing (some) gift cards with the visa, this way I get Disney $$ for every Disney $$ I spend on giftcards. Also, where I live there is a grocery store that offers gasoline discounts for every gift card I purchase. So, I'll buy a disney gift card AND get cheaper gas which I will be paying for with my disney visa
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Courage is doing something I'm not any good at. -Me   |
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11-06-2012, 07:11 PM
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DIS Veteran
Join Date: Dec 2006
Posts: 988
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Quote:
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11-06-2012, 07:19 PM
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#10 |
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DIS Veteran
Join Date: Dec 2006
Posts: 988
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I recently signed up for the premier DV and got $100 credit. With the $49 annual fee that equates to $51 credit, which to me is basically $51 off my vacation. With the premier DV you get 2% on restaurants, gas, groceries and Disney purchases. I'm going to put my vacation on the DV (about $3,000) so I'll get 2% on that purchase so about $60 in rewards. Between now and our vacation at the end of January I'm going to put everything on it and hope to get another $50 - $100 bucks. In the end I'm hoping to get the $51 off for the statement credit plus the $60 for the 2% on the vacation plus whatever I get between now and the end of January, so hopefully another $100. That would be $211 in savings. It'll be hard to get $100 by the end of January but I should at least get $50 so $161 in savings on the low end. It's nothing fabulous but it's something and I'm not really having to do anything for that $200.
After our trip I'll probably downgrade to the regular DV so I don't have to pay the annual fee. I've got reward cards with more flexile options that I prefer to use.
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What a Magical Place!
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11-08-2012, 03:00 PM
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#11 |
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Earning My Ears
Join Date: May 2009
Location: Concord, NC
Posts: 62
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I use the card mainly for my Disney vacations (cruise line and resort stays) because of the awesome 0% for 6 months savings. The added benefit is of course the disney rewards dollars which I roll right back into my next vacation. I decided not to upgrade to premier because of the annual fee, but get a lot of good perks with the standard card.
If you are on a tighter budget, you can really benefit from the 0%. Each charge starts over with the 6 month period, so you can make multiple payments over time towards a vacation that will incur no interest as long as it's paid for in 6 months from the original charge date. |
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11-08-2012, 06:43 PM
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#12 |
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DIS Veteran
Join Date: Apr 2010
Posts: 1,183
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We have the Disney PRemier VISA and for us it is great. We use the cc for everything and pay it off every month. Of course it is nice to have six months to pay off the trip too. We have enough in rewards every year to pay for your park tickets.
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11-09-2012, 10:27 AM
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#13 |
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I know I left that "post" button around here somewhere?
Join Date: Aug 2011
Location: Massachusetts
Posts: 3,736
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I have the premier Visa. Make sure you take the time to do the meet and greet at EPCOT and pick up your free picture. There is also the new Chase lounge at EPCOT.
As far as rewards, I like the ability to use the points towards flights. If you spend over $4,900 on gas, food and Disney vacations you make back the fee. Anything more than that and you are ahead with the 2% vs. 1%. We almost spend that on gas alone. We use it to pay for our groceries every week and that is over $7k annually (two preteens that eat everything in sight). So the premier makes more sense for us. The most important thing is to PAY IT OFF EVERY MONTH. If you don't pay it off and carry a balance, you will lose out on the benefits since you pay more in cc interest than you are earning in points.
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11-09-2012, 04:00 PM
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#14 |
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DIS Veteran
Join Date: Dec 2006
Posts: 988
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Anyone know if you get any special rewards for buying Disney gift cards on your DV? Is it just the 2% on the Premier card or any other bonus?
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What a Magical Place!
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11-09-2012, 07:18 PM
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#15 |
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Mouseketeer
Join Date: Jan 2009
Location: Gainesville, FL
Posts: 113
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I got the Disney visa when we booked our Disney cruise a couple of years ago for the 0% financing. Other than that and maybe the meet and greet at Epcot, it's not a very good reward/cash back card, IMO. There are many other cards that give you better rewards. Just because a card doesn't have a Disney logo on it doesn't mean you can't save up your cash back for your Disney vacation. Cash is cash.
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