The Benefits as well as the Cons if Using the Disney Plastic Card
There is no uncertainty in my mind that Walt Disney would be really proud of his corporation nowadays. They have held real to their core ideals and continue to offer family-friendly entertainment in every shape and every size imagineable.
From Mickey Mouse, to Winnie The Pooh, to The Princess & The Frog… their movies continue to be of the best caliber.
Disney World has evolved into an unparalleled 47 square mile urban center. However, is the Disney credit card truly a good way to purchase Disney products and services? Let’s find out for ourselves now…
Disney Credit card Assessment
Currently there are many charge cards on the market which offer fairly decent returns. Most of them compliment a specific audience or target group, if you prefer. The Disney Visa is usually marketed towards family members and the fanbase (or parents of) of Disney.
Credit card Category
It is a Visa Platinum charge card that is issued by the bank – Chase.
Interest Rate
The annual percentage rate on this credit card actually appears to be good. These things can change without notice but when I looked it varied between 13.24% and 16.24% – the actual percentage in that range depends upon the applicant’s credit history.
Annual Fee
None at all!
Returns
This is usually why you are searching for this visa card in the first place. You are looking to earn the maximum rewards attainable in order to make your Disney outings and merchandise purchases less expensive. But can this card actually give you anything above normal? We will see…
Disney Dream Reward Dollars – these are dollars you acquire which can be utilized towards
most Disney buys, and this can be a Finding Nemo DVD from their store or a stay at one of their resorts. When I viewed the official page for the Disney plastic card application, I in fact found it complicated to work out exactly how these work.
There was all types of generic statements like “Apply Right now & Save” yet they aren’t specifically obvious in indicating how these Dream Reward Dollars really work.
After reading the teeny weeny print regarding the Disney Visa Charge card at the bottom of the page, I realized they offer up this thing called Dream Dollars which can be obtained at the rate of a single dollar per $100 in net acquisitions.
I must say that its not exactly a whacking great large amount but it comes as no true shock. That’s merely a 1% refund and as I’m certain you are aware. And there are many other credit cards offering this level of cash back, so nothing too special.
The Card Benefits
Appearing that they simply give a 1% rebate, I was hoping there would be some different gains to replace the not so awesome cashback returns. While it’s true there are several gains with the card, I don’t feel they are overly amazing.
For example, they say it offers a 10% off at “choice dinner places” at Disneyland, but after reading through the fine print once again, evidently this doesn’t apply to Disney World (which is where most of us go).
The single advantage I really appreciated was the charge stroller rental – it was free of charge – excellent for smaller kids, but again, this solely applies to Disneyland which is a little unfortunate.
In Summary
It’s not that Disney credit card is bad, it’s just that the returns you get may not make sense for everyone. I must say though the actual APR appears good, so I applaud them for that. If you live in California and regular Disneyland visitor, rather than Disney World, then this credit card could very well be a smart choice since this is where most of the theme park rewards will apply.
However, if this is not the case, I don’t really see the actual point in applying for the Disney Rewards Visa since it merely gives you 1% back on your spending.
Mind you, there is something to think about here – if you love Disney then you will love the card – the images on the card are indeed superb!
