Disney Visa Card - Do I Need it?

[JoshF]

I never saw a need to get a Disney Visa. I get 2% cash back on my credit card which I think is a better deal and I already get DVC discounts.

Today I saw that there’s a Disney Visa discount when adding DVC points sometimes so I want to explore further.

Do many of you have this card and if so, why?

 

[VGCgroupie]

I got it on a whim while booking a last minute cash stay. I didn’t have time to stock up on 6k in Gift cards or find the absolute best credit card deal. I did it because I got 2% back and a $400 statement credit for that vacation. I was also supposed to get 0% for 6 months but that didn’t work out.

All in all it’s not a great card for cashback, but if you are going to buy direct DVC I think the $1000 offer makes it more worth it. Right now it is $300 statement credit. But again there are way better deals in the credit card world to be had but it takes research and the Disney Visa is just easy and clear cut.

 

[CarolynFH]

In addition to the current discount, charging your DVC direct purchase payments to the Disney Visa also gets a 0% 6 month payment period for each individual payment. That's one reason you see people spreading out their payments over 90 days - they get the reward points but also stretch out the length of time they have to pay.

Unfortunately the 6 months no interest doesn't apply to DVC dues payments.

I think it's a matter of what other credit cards you already have or can get (a new card with a hefty reward for spending the first few months, etc.) as compared to the Disney Visa. For some, it works out, for others it doesn't have any advantage.

 

[ILoveMyDVC]

Have had one for a decade - used it twice when I had children in the party - so they could see certain characters.

 

[JoshF]

Do you get 6 months no interest on DVC loan payments or just the initial down payment?

 

[CarolynFH]

Do you get 6 months no interest on DVC loan payments or just the initial down payment?

I haven't used it, but I think people have been able to charge the entire amount of purchase, broken down into monthly payments over 90 days (down payment, then every 30 days for total of 90), no loan needed. And I don't think it has to be the Disney Visa, I believe people have used other CC as well.

I'm sure you'll get some experiences reported here - @Sandisw, haven't you done this?

 

[Sandisw]

I haven't used it, but I think people have been able to charge the entire amount of purchase, broken down into monthly payments over 90 days (down payment, then every 30 days for total of 90), no loan needed. And I don't think it has to be the Disney Visa, I believe people have used other CC as well.

I'm sure you'll get some experiences reported here - @Sandisw,
haven't you done this

I have not done a loan…just full purchase over my Disney Visa. I do not believe you qualify for a monthly payment.

Now, if one is paying off the balance of a loan via Disney? I am pretty sure it would count in that case but confirm with the loan people.

 

[CarolynFH]

I have not done a loan…just full purchase over my Disney Visa. I do not believe you qualify for a monthly payment.

Now, if one is paying off the balance of a loan via Disney? I am pretty sure it would count in that case but confirm with the loan people.

My question was, have you used the Disney Visa or another CC to spread out cash payments for a full DVC purchase over 90 days, without dealing with a loan?

 

[MICKIMINI]

I have had Disney Visa forever. We are DVC and dropped our AP's last year since we did not anticipate a visit for several years. We definitely used the AP discount the most for dining, but DVC and Visa are 10% at many restaurants and I will take that. There is 2% cash back on groceries and the store I use most also gives me 2% cash back so that really adds up. Chase has lots of "extra" cash back categories I use like gas, Dunks, CVS (buy gift cards) etc. I use this card and a 1.5% card the most. Well worth it IMO.

 

[Sandisw]

My question was, have you used the Disney Visa or another CC to spread out cash payments for a full DVC purchase over 90 days, without dealing with a loan?

Sorry, yes. I have done that.....put the entire purchose on Disney Visas...I have more than one so I did it in such a way that I bought in March, and my last payments were not due until December!

 

[bobdacat]

I have had the Disney Visa for long time. The 6 month no interest on Disney purchases and having the rewards card to use at WDW is the only benefit. The 1% , 2% and sometimes 5% back on purchases are the least value out of my credit cards. Its only use is gathering rewards cash for WDW, which works for us, we go usually every other year or so, and have about 2-3 hundred in $$ on it. It is very handy at food and wine going booth to booth with just that card.

 

[EPCOT Terran]

I have it because there was a signup bonus that outweighed the annual fee and there are some discounts tied to it, which may make sense if you are not AP or DVC (which I wasn't at the time), and Disney occasionally has special benefits for cardholders. There are two (I guess three) variants - a $0 Annual Fee, a $49 Annual Fee, and a debit card (all tied to Chase).

I think there is fairly universal agreement on credit card review sites that the Disney Rewards dollars are nice, but if you are purely out to maximize rewards, other cards will do a better job and be more flexible. I keep the card for the non-cash back benefits. Others like the 0% 6-month financing for Disney purchases.

 

[AstroBlasters]

I have it. I don’t think someone NEEDs it. I mainly use it when shopping at the outlet stores, ShopDisney, to see Darth Vader at Tomorrowland, or to buy things at the parks if I can’t find a gift card and don’t want to go through the hassle of charging it to the room.

I have purchased DVC direct 0% for 6m with it.

 

[atthebeachclub]

I wasn’t sold on it so I got the debit card for discounts only and called it a day. It’s pretty similar. I imagine it might net you the same direct discount, but not sure.

 

[SandyinMonterey]

Yes, we have the Disney Visa. We use it to help pay toward DVC dues.

 

[Sondra Sunflowers]

I used to have it and closed it.

I now have a Delta AmEx which I feel gets me much more value in terms of rewards. My most recent trip 3 weeks ago was free with miles. I couldn't stomach paying for $600 for a 2-hour flight to Orlando, so I used miles. I plan to cash in miles in 2025 to get to Hawaii - which (hopefully!) will save me over a thousand dollars.

I do use it A LOT to get those miles. I use if for my daily needs (groceries, gas) and have some bills automatically tied to it (cell phone, You Tube TV). I do pay it off every month b/c the interest is pretty high IMO.

 

[EPCOT Terran]

I used to have it and closed it.

I now have a Delta AmEx which I feel gets me much more value in terms of rewards. My most recent trip 3 weeks ago was free with miles. I couldn't stomach paying for $600 for a 2-hour flight to Orlando, so I used miles. I plan to cash in miles in 2025 to get to Hawaii - which (hopefully!) will save me over a thousand dollars.

I do use it A LOT to get those miles. I use if for my daily needs (groceries, gas) and have some bills automatically tied to it (cell phone, You Tube TV). I do pay it off every month b/c the interest is pretty high IMO.

Totally this. If you genuinely care about points and accumulating rewards, there are better cards out there, depending on the spend category or reward type (cash back, miles, etc.) you're after. The Disney Visa has its spot in my wallet because of the other benefits - special meet & greets, visa-specific Disney discounts, etc. My spending goes on other cards, for the most part.

 

[Castlequeen5]

I’ve had my Disney Visa for over a decade. I use it mostly for shopping at the Disney Store and discounts when I’m at the parks. I usually apply my rewards balance towards an upcoming trip.

But I’m not familiar with the 0% interest financing for 6 months on vacations. How does this work? Can I book a package and just pay the deposit? Does that mean I have 6 months to pay it back? What about the final payment? Will I have 6 months to pay that back as well with no interest? Or do you have to pay the entire balance upfront when booking with your Visa, to get the 6 months interest free? And is all of this automatic when booking online, or do you have to make a phone call?

 

[muppets3d]

I don't think it is possible to pay DVC loan payments on a credit card, it has to be a bank draft correct?

 

[RuntheMouse]

My question was, have you used the Disney Visa or another CC to spread out cash payments for a full DVC purchase over 90 days, without dealing with a loan?

I have done this. I had a new CC I needed a minimum spend on so I used that for my initial 1/3 and then put the other 2/3 on the Disney Visa. All spread out over 90 days. No issues other than making sure they updated the card number for the 2/3 transactions.