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The magical Disney kingdoms are fun places to visit, whether you visit Disneyland in California, Walt Disney World in Florida, take a Disney Cruise, or enjoy a Disney resort. However, is a Disney credit card for you if you are not a Disney fan?

What You Need Before Applying

As a consumer, you need to be aware of your finances before you apply for a Disney credit card. Specifically, you need to know your credit history and your credit score before applying for a card.

What is Your Credit Card Score and History?

Before you apply for a Disney credit card, you need to know your credit score and history. You can find your credit card score and history by requesting them from a credit bureau. A credit bureau will have your FICO score that will tell you the credit score and your credit history.

Credit Cards and Credit Score

When you apply for a Disney credit card, your credit history and credit score will be used to determine if you qualify. Credit card companies rely on scores from credit bureaus and use what is called a FICO score. A person who has an excellent FICO score of 720+ score or a good score of 680+ is more likely to obtain a credit card or one with lower interest rates and better rewards. A person who has a bad credit score of 580 or below will be less likely to obtain a credit card or will have a credit card with the higher interest rates and fewer rewards.

FICO Score

The FICO score is a way to give you a score for your credit history. FICO score is measured by payment history, amounts owed, length of credit history, your credit mix, and new credit.  Your payment history is the history of paying your bills on time such as utility, medical et cetera bills. Your payment history is a record of whether you pay your bills on time or late, records of bankruptcies and non-payments. The amounts you owe for current credit accounts or installment loans such as auto loans are essential. 

The available credit you use and the credit utilization rate are part of the amount score. However, it’s not just the amount of credit you use. The length of your credit history is important. The FICO score takes into account the length of your oldest and newest accounts as well as the average age of your accounts. How long it has been since you last used your accounts is important. Finally, credit mix and new credit inform your FICO score. The FICO score looks at whether you have a mix of credit cards and loans such as an auto loan, and the age of your accounts.

What is a Disney Credit Card?

Disney credit card

The Disney credit card has various benefits and limitations that you must consider before applying. The Disney credit cards include a standard card and a premier credit card.

There are some key differences when comparing the standard Disney Rewards Visa credit card and the Disney Premier Visa credit card, with different benefits and limitations. The primary difference is that the Disney Reward Visa does not have an annual fee, whereas the Premier card has a $49 annual fee. The standard Disney credit card offers lesser rewards than the Premier card. 

Shared Benefits of Disney Rewards Visa and Disney Premier

The Disney Rewards Visa and the Disney Premier Visa credit cards have similar benefits. The shared perks are:

  • Private Disney character Meet ‘N’ Greets at a special part of the park you visit whether it is Disneyland or Walt Disney World. This benefit includes a free 5×7 photo.
  • The Star Wars Imperial Meet ‘N’ Greet is part of the rewards benefits as well as 10% off specific Star Wars merchandise purchases of $50 or more. This is at locations in Walt Disney World Resort or the Disneyland Resort. This benefit also includes the photo.
  • Discounts on Star Wars and Disney movies at selected theaters.
  • Merchandise and purchase discounts at theme parks, resorts, and Disney stores. Cardholders can receive discounts on special Disney tours and vacation packages. However, discounts do not include discounts on tickets to entrance to theme parks. Cardmembers can take a 10% discount on purchases over $50 at Disney resorts, Disney stores, and at shopDisney.com.
  • Access to events and areas in the parks that are exclusive to cardholder members.
  • Special financing for Disney vacations. The usual APR, subject to change, is 17.24%, but for select Disney vacation packages, the intro APR is 0% for 6 months. This is for select Disney Resort packages including the Aulani, A Disney Resort and Spa, Ko Olina, Hawai‘i, Adventures by Disney® and all Disney Cruise Line packages if the Disney Vacation Packages are  booked by you or a travel agent through the Disney Travel Services, Inc. and charged to your Disney Visa Credit Card before your vacation.
  • Disney or Star Wars credit card designs that you can change anytime.
  • Special room discounts are exclusive for Disney Visa cardholders.
  • Exclusive member events for Disney Visa cardholders.
  • 10% off specific merchandise purchases of $50 or more at specific locations and 10% off specific dining locations most days at the Disneyland® and Walt Disney World® Resorts.

Differences Between Disney Rewards Visa and Disney Premier Visa Credit Cards

There are major differences between the standard Disney credit card and Premier Card. The standard Disney card does not have an annual fee, but the Premier card has an annual fee of $49. The Disney Premier credit card has more benefits than the Disney Rewards credit card. These rewards are: 

  • 2% in Disney Rewards Dollars with purchases at gas stations, grocery stores, restaurants, and most Disney locations. The standard Disney credit card has 1% in Disney Rewards Dollars for all Disney Visa Credit Card purchases. 
  • Earning a $200 statement credit after you spend $500 on purchases in the first 3 months from when you opened the account with the Disney Premier Visa Credit Card. You get a $50 statement credit after your first purchase with a standard Disney Visa Credit Card.
  • Redeeming Rewards Dollars for an airline travel statement credit. You purchase airline tickets with your credit card on any airline to any destination and then pay yourself back by redeeming Rewards Dollars for the statement credit. The standard Disney credit card does not have this benefit.

Rewards Dollars

The Disney credit card, standard and Premier is a rewards card that offers Disney Reward Dollars. While there are no discounts for tickets to theme parks, Disney credit cardholders can redeem Rewards Dollars for Disney Theme Park tickets, Resort stays, dining, and shopping. Cardholders can also redeem their Rewards Dollars for Disney Cruise Line packages, onboard activities, and souvenirs. 

There is no limit to the Disney Rewards Dollars you can earn and there are no block-out dates for the Disney Reward Dollars. Disney Rewards Dollars will expire 5 years from the date posted to your account. 

Disney Visa Card APR and Fees

The Disney credit card APR and fees are high for a credit card.  APR, balance transfers, and cash advances have high rates. Note that the APR, annual fees, and other fees are subject to change. Consult the Disney credit card site for up to date information.


The APR is 17.99%, which is high for credit card rates, and the rate can vary with the market Prime Rate. There is a 0% Promo APR during the initial six months after purchase date on some Disney vacation deals or buying Disney real estate interest, including Member Add On for Disney Vacation Club® Resorts. 

However, the zero interest rate is available only if your account is not past due on the purchase date. After the introductory six months, the rate on vacations and real estate goes up to 17.99% varying with the market Prime Rate.

Balance Transfer APR

The balance transfer is 17.99%, based on the market Prime Rate.

Cash Advance APR

The cash advance APR is 26.99%, varying with the market Prime Rate.

Interest on Purchases

The due date for paying your balance in full is a minimum of 21 days after the end of each billing cycle. Chase Bank, that co-brands the Disney credit card, will not charge you interest if you pay all of your balance by the due date each month. The bank will also charge interest on balance transfers and cash advances on the date of the transaction. There isn’t a minimum interest charge.


For the standard Disney credit card, there isn’t an annual fee. However, for the Premier card, there is an annual fee of $49.

Transaction Fees and Balance Transfers

Transaction fees and balance transfers are either five dollars or 3% of the total of each of the transfers, whichever is greater.

Cash Advances

Cash advances for the Disney credit card are either $10 or 3% of the amount of each transaction, whichever fee is greater.

Foreign Transactions 

Foreign transactions are 3% of the amount of each transaction in U.S. dollars.

Penalty Fees for Late Payment

Penalty fees for late-payments are up to $15 if the balance is less than $100. The penalty fees are up to $27 if the balance is $100 to less than $250 and up to $37 if the balance is $250 or more. There is no over-the-credit-limit.

Return Payment

The fee for payments that do not go through is up to $37. There is no fee for returned checks.

Final Thoughts

Something to consider before you apply for a Disney credit card is whether you will use this card frequently or if Disney credit cards are flexible enough for your daily use. Disney credit cards, whether you pick the standard credit card or the premier card, should not be your primary credit card if you are looking for a low APR and spending flexibility. 

Disney is the best place to get a credit card if you buy Disney merchandise or are a frequent visitor to the Disney properties. Choose other credit cards with more flexible rewards, lower annual fees, and that are general-purpose credit cards instead of specialized credit cards with limited rewards.

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