For Disney enthusiasts, the Chase Disney Visa Card offers a unique blend of everyday spending benefits and magical Disney perks. This co-branded credit card, issued by Chase, is designed to reward cardmembers with Disney Dream Reward Dollars on their purchases, which can then be redeemed for a wide array of Disney experiences and merchandise. But beyond the rewards, the card also provides exclusive access and discounts that can make your Disney trips even more enchanting.
Key Features and Benefits
The Chase Disney Visa Card comes in two main variations: the Disney Visa Card (the standard version) and the Disney Premier Visa Card. While both offer fantastic Disney-centric benefits, the Premier version typically comes with a higher annual fee but also more robust reward earning rates and additional perks. Let’s explore the common features and highlight some differences:
1. Earn Disney Dream Reward Dollars
This is the cornerstone of the card’s reward program. You earn Disney Dream Reward Dollars on virtually all your purchases, which are essentially a form of Disney currency.
- Disney Visa Card: Typically earns 1% in Disney Dream Reward Dollars on all purchases.
- Disney Premier Visa Card: Often offers accelerated earning rates, such as 2% at gas stations, restaurants, Disney locations, and select Disney-affiliated businesses, and 1% on all other purchases.
These reward dollars are incredibly flexible and can be used for almost anything Disney-related.
2. Redemption Options for Disney Dream Reward Dollars
The versatility of Disney Dream Reward Dollars is a major draw. You can redeem them for:
- Most Disney products and experiences at Disney locations: This includes theme park tickets, resort stays, merchandise, dining, and even experiences like Disney cruises.
- Disney store purchases: Both online at shopDisney.com and in physical Disney Stores.
- Disney movie tickets: Redeem your rewards for movie tickets at AMC Theatres, Fandango.com, or directly through Disney movie websites.
- Disney-themed gifts and experiences: Look for special redemption opportunities that pop up throughout the year.
The value of each Disney Dream Reward Dollar is equivalent to $1 USD when redeemed for eligible Disney products and experiences, ensuring straightforward and transparent redemption.
3. Exclusive Disney Perks
Beyond earning rewards, the Chase Disney Visa Card offers a suite of exclusive benefits designed to enhance your Disney experiences:
- Character Meet & Greet Photo Opportunities: At select locations within Walt Disney World Resort and Disneyland Resort, cardmembers can enjoy private photo opportunities with Disney Characters. You’ll also receive complimentary downloads of your photos. This is a fantastic perk for creating lasting memories without the crowds.
- 10% Off Select Merchandise Purchases: Enjoy discounts at various Disney-owned and operated merchandise locations at Walt Disney World Resort, Disneyland Resort, and Disney Store locations (including shopDisney.com). This can add up to significant savings, especially if you’re a frequent shopper.
- 10% Off Select Dining Locations: Cardmembers can receive discounts at select dining establishments within Walt Disney World Resort and Disneyland Resort. This is another excellent way to save money on your Disney vacation.
- Special Financing Offers: Occasionally, Chase offers special financing for Disney vacation packages when booked with your Disney Visa Card. This can help make a Disney trip more affordable by allowing you to pay over time with no interest for a promotional period.
- Exclusive Cardmember Events: From time to time, Chase and Disney may offer exclusive events or opportunities specifically for Disney Visa Cardmembers. These can range from early access to park events to special previews.
4. Travel and Purchase Protections (Standard with Visa)
As a Visa card, the Chase Disney Visa Card also comes with standard Visa benefits, which can provide peace of mind:
- Travel Accident Insurance: Coverage for accidental death or dismemberment while traveling on a common carrier.
- Auto Rental Collision Damage Waiver: Secondary coverage for damage to a rental car when you decline the rental company’s collision damage waiver and pay with your card.
- Purchase Protection: Covers new purchases against damage or theft for a certain period.
- Extended Warranty Protection: Extends the manufacturer’s warranty on eligible purchases.
Note: Specific benefits and terms may vary, so always refer to your cardmember agreement for the most up-to-date information.
How to Apply for the Chase Disney Visa Card
Applying for the Chase Disney Visa Card is a straightforward process, primarily done online. Here’s a step-by-step guide:
1. Check Your Eligibility
Before applying, ensure you meet the basic requirements:
- Age: You must be at least 18 years old (19 in Alabama and Nebraska, 21 in Puerto Rico).
- Residency: You must be a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
- Creditworthiness: Chase will assess your credit history and score. While there’s no official minimum, a good to excellent credit score (typically FICO 670+) generally increases your chances of approval for both the standard and Premier versions.
2. Choose Your Card Version
Decide whether you want the standard Disney Visa Card or the Disney Premier Visa Card. Consider the annual fee (the standard card often has no annual fee, while the Premier does), the reward earning rates, and the additional benefits each offers to determine which best suits your spending habits and Disney aspirations.
3. Gather Necessary Information
You’ll need the following information to complete the application:
- Personal Information: Full name, date of birth, Social Security Number (SSN) or ITIN, phone number, and email address.
- Contact Information: Current street address (not a P.O. box).
- Financial Information: Employment status, annual income, and monthly housing payment.
4. Apply Online
The most common and efficient way to apply is through the official Chase website:
- Visit the Chase Website: Go to www.chase.com and search for “Disney Visa Card” or navigate to their credit card section.
- Select Your Card: Choose the Disney Visa Card or Disney Premier Visa Card.
- Click “Apply Now”: This will take you to the online application form.
- Complete the Application Form: Fill in all the required fields accurately. Double-check for any typos before submitting.
- Review and Submit: Carefully review all the information you’ve entered. Once you’re confident everything is correct, click the “Submit” button.
5. Application Decision
- Instant Decision: In many cases, you may receive an instant approval or denial decision.
- Pending Review: Sometimes, your application might go into a “pending” status, meaning Chase needs more time to review your information. You may be contacted for additional details.
- Mail Notification: If an instant decision isn’t made, Chase will typically send you a decision by mail within 7-10 business days.
Important Considerations Before Applying:
- Credit Score Impact: Applying for a new credit card involves a “hard inquiry” on your credit report, which can temporarily lower your credit score by a few points.
- Welcome Offer: Keep an eye out for any sign-up bonuses or welcome offers when you apply. These often involve earning a significant amount of Disney Dream Reward Dollars after meeting a certain spending threshold in the first few months.
- Annual Fee: Be aware of any annual fees, especially for the Disney Premier Visa Card, and factor them into your decision.
The Chase Disney Visa Card is more than just a credit card; it’s a tool that can help bring the magic of Disney closer to you. Whether you’re planning a trip to the parks, shopping for Disney merchandise, or simply love the brand, this card can make your Disney dreams a little more attainable.
