The Disney Visa Credit Card from Chase offers a ton of Disney World and Disneyland discounts and perks. But it can actually be a bit of a challenge finding all the the benefits of the Disney Visa Card in one place.

In this post, we are listing every perk and discount that the Disney Visa Credit Card offers. We will also highlight which perks are our favorites. Finally, we’ll give a recommendation on which Disney Visa Card to get, and how to best use it to maximize your benefits.

Should you get the Disney Visa Credit Card for your Disney vacation? This guide will help you find out.

Update 06-14-2023Disney World brought back its exclusive Darth Vader meet and greet for Disney Visa Cardholders. We’ve updated this guide with that information.

The Disney Visa Card vs Disney Premier Card Comparison

Disney Visa Credit Card Designs
Disney Visa Credit Card Designs

There are actually two Disney Visa Credit Cards that you can choose from. The Disney Visa Card and the Disney Premier Visa Card. The main difference is that the Disney Visa Card has no annual fee, but more modest “cash back.” The Disney Premier Visa Card has an annual fee, but earns more Disney Rewards Dollars and gives you statement credits for airline travel.

Here’s a quick breakdown:

Disney Visa Card

  • No annual fee
  • Earns 1% Disney Rewards Dollars on all purchases
  • Redeem Rewards Dollars at Disney only
  • Sample introductory offer: $150 statement credit after $500 of purchases within the first 3 months

Disney Premier Visa Card

  • $49 annual fee
  • Earns 2% Disney Rewards Dollars at Disney, gas stations, grocery stores, and restaurants
  • Earns 1% on all other purchases
  • Redeem Rewards Dollars at Disney, or use for a statement credit on air travel purchases
  • Sample introductory offer: $300 statement credit after $1000 of purchases in the first 3 months

All of the discounts and theme park perks between the two cards are identical.

Earn Disney Rewards Dollars on Every Purchase

The Disney Visa Credit Card has a “cash back” program where you earn Disney Rewards Dollars. These Rewards Dollars can be redeemed at Disney World, Disneyland, Disney Cruise Line, shopDisney, and a few other locations.

The Disney Premier Visa Card earns Disney Rewards Dollars with these purchases:

  • Earn 2% on purchases at most Disney locations, gas stations, grocery stores, and restaurants
  • Earn 1% on all other purchases

The Disney Visa Credit Card earns 1% Disney Rewards Dollars on all purchases.

With both the Disney Visa Credit Card and the Disney Premier Visa Credit Card, you can redeem your Disney Rewards Dollars at the following locations:

  • Disney World and Disneyland: Theme park tickets, resort stays, shopping, dining, and more
  • Disney Cruise Line: Cruise packages, onboard activities, and souvenirs
  • shopDisney: Redeem for most items on shopDisney.com
  • Movie Theaters: Redeem Disney Reward Dollars to see the latest Disney movies at participating theaters

The Disney Premier Visa Card also lets you earn statement credits with airline travel, with no restrictions on which airline or destination.

  • Air Travel: Get a statement credit toward airline travel. “Just purchase airline tickets with your Disney Premier Visa Card on any airline to any destination, at any time and then pay yourself back by redeeming your Rewards Dollars for a statement credit.”

Disney Vacation Financing

Disney Visa Credit Cardmembers can receive a promotional APR of 0% for 6 months on the following Disney vacations:

  • Walt Disney World vacation packages “associated with an eight-digit reservation number that are purchased before the start of your vacation through the Walt Disney Travel Company, Disney Cruise Line, AAA Vacations or online at DisneyWorld.com.”
  • Disneyland Vacation Packages: “Accommodations at one of the Hotels of the Disneyland Resort or a nearby Good Neighbor Hotel, booked through the Walt Disney Travel Company, plus Disneyland Resort Park Hopper tickets, purchased prior to the commencement of the vacation with your Disney Visa Card.“
  • Disney Cruise Line vacation packages
  • Adventures by Disney packages
  • Aulani vacation packages
  • Become a Disney Vacation Club Member

The vacation packages must be purchased through the Walt Disney Travel Company or through eligible travel agents. The 0% financing is good for 6 months from the date of your purchase. After that, your standard purchase APR applies, which is 13.99%-22.99% variable.

shopDisney Discounts with the Disney Visa Credit Card

Both Disney Visa Credit Cards offer a 10% savings at shopDisney.com. Just use the code DRVCMEMBER at checkout.

Occasionally, Disney Visa Credit Card members will receive additional discounts and perks like free shipping. Visa and shopDisney will typically email card members about these discounts.

Walt Disney World Discounts and Perks

Magic Kingdom - 50th Anniversary Castle Decor
Disney

Merchandise Discounts

  • 10% off select merchandise purchases of $50 or more at certain Walt Disney World stores and pin carts. Use the Disney Visa Credit Card and mention the offer.
  • At Disney Springs: Save 10% at the following retail locations
    • ALEX AND ANI®
    • Crystal Arts by Arribas Brothers
    • Silhouette Portraits
    • Basin®
    • Basin White
    • Chapel Hats (store and kiosk)
    • Columbia Sportswear Company (code: DISVIS210)
    • Good Fortune Gifts and House of Good Fortune
    • Just Fun Socks
    • Luxury of Time (20% off)
    • Origins® at Disney Springs®
    • Sanuk
    • Shop for Ireland at Raglan Road™
    • Sperry
    • Stance
    • Sugarboo & Co.
    • UGG
    • Volcom
    • Levi’s (save 15% with code DISNEY15)
    • Melissa Shoes (save 15%)
    • Tommy Bahama (save 15%)
  • At Disney’s Grand Floridian, save 10% at Basin White.

Dining Discounts

Le Cellier Steakhouse - Epcot Dining

Pay with your Disney Visa Credit Card and mention this offer to get 10% off the following dining locations.

  • Magic Kingdom
    • Jungle Navigation Co. Ltd. Skipper Canteen
  • EPCOT
    • Biergarten*
    • Coral Reef
    • Le Cellier
    • Rose & Crown Dining Room
  • Hollywood Studios
    • The Hollywood Brown Derby*
  • Animal Kingdom
    • Tiffins
  • Disney Springs
    • Cookes of Dublin (lunch, weekdays)
    • Ghirardelli® Soda Fountain & Chocolate Shop
    • Paddlefish
    • Planet Hollywood®
    • Raglan Road™ Irish Pub and Restaurant (lunch, weekdays)
    • Terralina Crafted Italian
    • The Polite Pig
    • Paradiso 37 (20% off food and non-alcoholic beverages)
  • Animal Kingdom Lodge
    • Boma – Flavors of Africa
    • Jiko – The Cooking Place*
    • Sanaa
  • Boardwalk Resort
    • ESPN Sports Club
    • Flying Fish*
    • The To-Go Cart
  • Caribbean Beach Resort
    • Sebastian’s Bistro
  • Disney’s Contemporary Resort
    • The Wave (Note: This location is now Steakhouse 71)
  • Coronado Springs
    • Toledo – Tapas, Steak, & Food
  • Disney’s Fort Wilderness Resort & Campground
    • Trail’s End Restaurant
  • Disney’s Grand Floridian Resort & Spa
    • Citricos*
    • Grand Floridian Cafe
    • Narcoossee’s*
  • Disney’s Old Key West Resort:
    • Olivia’s Café
  • Disney’s Polynesian Village Resort
    • Kona Cafe
  • Disney’s Port Orleans Resort
    • Boatwrights Dining Hall
  • Disney’s Saratoga Springs Resort & Spa:
    • Turf Club
  • Disney’s Wilderness Lodge:
    • Whispering Canyon Café
  • Disney’s Yacht Club Resort
    • Ale & Compass Restaurant
  • ESPN Wide World of Sports Complex
    • ESPN Wide World of Sports Grill

*Note: At the starred dining locations, this offer is blacked out on certain days. Check DisneyRewards.com for the full details.

Save 20% off purchases at Joffrey’s Coffee Locations, excluding alcohol. 20% off select purchases at Joffreys.com (online only; entire purchase with code: DISNEYBEANS22)

Special Character Meet and Greets

Disney Rewards PhotoSpot - Mickey and Goofy- Disney World TipsDisney Rewards PhotoSpot at EPCOT: An exclusive meet and greet with two characters: Mickey, Goofy, Daisy, or Pluto. This has a much shorter wait than other meet and greets, plus you get free photo downloads as a Disney Visa cardholder. This is located in the Imagination Pavilion in EPCOT. You can read all about our experience with this awesome EPCOT meet and greet here.

The Disney Rewards PhotoSpot is open 1 pm – 6:30 pm daily.

Darth Vader Star Wars Galaxys Edge- Disneyland- Guide2WDW1Star Wars Character Experience at Hollywood Studios: Come face to face with the Lord of the Sith at the Visa Cardmember location in Star Wars Launch Bay, in the Animation Courtyard in Hollywood Studios. This is a character meet and greet with Darth Vader with a much shorter wait, plus free photo downloads. You can read more about the Disney Visa Darth Vader meet and greet here.

The Star Wars Character Experience is offered daily from 11 am – 4 pm.

For both of these Disney Visa-exclusive meet and greets, be sure to have your valid Disney Visa Card, which you must show for entry.

Discounts on Tours and Rentals

Disney Visa Credit Cardmembers receive 15% off the following guided tours, which provide a unique experience at Disney World:

Magic Kingdom

  • Disney’s Family Magic Tour
  • Disney’s Keys to the Kingdom Tour
  • Disney’s The Magic Behind Our Steam Trains Tour
  • Walt Disney: Marceline to Magic Kingdom Tour

EPCOT

  • Gardens of the World (offered seasonally)
  • The UnDISCOVERed Future World Tour
  • Epcot® Seas Adventures – Dolphins in Depth
  • Epcot® Seas Adventures – Aqua Tours
  • Epcot® Seas Adventures – DiveQuest
  • Behind the Seeds
  • World Showcase: DestiNations Discovered

Animal Kingdom

  • Wild Africa Trek (Mid-Day Tours only; block out dates apply)
  • Savor the Savanna: Evening Safari Experience
  • Starlight Safari at Disney’s Animal Kingdom Lodge
  • Caring for Giants
  • Up Close with Rhinos

Around Disney World

  • Backstage Magic
  • Disney’s Holiday D-Lights Tour (offered seasonally)
  • Disney’s Yuletide Fantasy (offered seasonally)
  • Wilderness Back Trail Adventure

Also, save on rentals for bikes, strollers, ECVs, and wheelchairs:

  • Save 10% on Buena Vista Strollers, Scooters and Wheelchairs rentals
  • Save 10% on Buena Vista Surrey Bike Rentals (Disney’s BoardWalk Inn & Villas only)

Recreation Experiences

Receive 10% off the following recreation activities at Disney World (cannot be combined with another discount).

  • Carriage Rides at Disney’s Port Orleans Resort and Disney’s Fort Wilderness Resort & Campground
  • Horseback Trail Rides at Disney’s Fort Wilderness Resort & Campground

Disneyland Discounts and Perks

Sleeping Beauty Castle at Disneyland

2022 Disneyland Resort Vacation Package for Disney Visa Cardmembers

Purchase a Disneyland Resort vacation package of 2 nights or more with a Disney Visa Card through the Walt Disney Travel Company. Must include accommodations at one of the Disneyland Resort Hotel or a Good Neighbor Hotel, and theme park tickets for 2-5 days. Each person in your reservation will receive

  • Disney Rewards insulated cooler bag (one per vacation package)
  • Collectible pin and lanyard for each guest ages 3 and older
  • Splitsville Luxury Lanes Bowling Savings – $5 off walk-in rates per person

Merchandise Discounts

  • 10% off select merchandise purchases of $50 or more at certain Disneyland stores and pin carts. Use the Disney Visa Credit Card and mention the offer.
  • 10% off at Curl Surf in Downtown Disney
  • 10% off California Sole (minimum purchase $50)
  • 20% off select purchases at Joffreys.com (online only; entire purchase with code: DISNEYBEANS22)

Dining Discounts

Pay with your Disney Visa Credit Card and mention this offer to get 10% off the following dining locations.

  • Disneyland Park
    • French Market Restaurant
    • River Belle Terrace
  • California Adventure
    • Cocina Cucamonga Mexican Grill
    • Ghirardelli Soda Fountain & Chocolate Shop
    • Wine Country Trattoria
    • Paradise Garden Grill
  • Disneyland Hotel
    • Goofy’s Kitchen
  • Grand Californian
    • Storytellers Cafe
  • Downtown Disney
    • Ballast Point Brewing Company
    • La Brea Bakery Café (Purchases of $40 or more)
    • Wetzel’s Pretzels

Special Photo Ops

Disney Magic Shot at California Adventure: Pose for an exclusive photo at the Visa Cardmember location next to Monsters, Inc Mike & Sulley to the Rescue in Hollywoodland in California Adventure. These shots are digitally enhanced, and downloads are included for free with your Disney Visa Credit Card.

The DCA Visa Magic Shot is offered daily from 10:30 am – 1:30 pm.

Star Wars Magic Shot at Disneyland: Pose for an exclusive photo at the Visa Cardmember location in Star Wars Launch Bay in Tomorrowland. These shots are digitally enhanced, and downloads are included for free with your Disney Visa Credit Card.

The Star Wars Visa Magic Shot is offered daily from 2pm – 6 pm.

Discounts on Tours

Disney Visa Credit Cardmembers receive 15% off the following guided tours, which provide a unique experience at Disneyland:

  • Walk in Walt’s Disneyland® Footsteps (Guided Tour)
  • Disney’s Happiest Haunts Tour (offered seasonally)
  • “Holiday Time at Disneyland®” Tour (offered seasonally)

Disney Cruise Line Discounts and Perks

Fireworks - Disney Cruise Line
Disney

Merchandise Discounts

10% off select merchandise purchases of $50 or more while aboard a Disney Cruise Line ship. Use the Disney Visa Credit Card and mention the offer.

Digital Photo Package Discounts

Save 10% on the following photo packages. This gives you digital access to photos taken by Disney’s professional photographers while you’re aboard a DCL ship.

  • 10-photo
  • 15-photo
  • 20-photo
  • All-inclusive

Castaway Cay Getaway Discount

Save 10% on a Castaway Cay Getaway Package. This adventure includes snorkeling, a one hour bike rental, and float or inner-tube rental on Disney’s private island.

Spa Discounts

Save 20% off of massage or facial treatment while aboard Disney Cruise Line Ships. Cannot be combined with any other discounts, and only available on port days only. Available at the following locations.

  • Senses Spa & Salon
  • Chill Spa – Exclusive for guests 13-17

Discounts at Other Disney Destinations

Aulani - Waikolohe Valley

Aulani, A Disney Resort and Spa

  • 10% off select merchandise purchases of $50 or more at select locations at Aulani, A Disney Resort & Spa
  • 10% off snorkeling in Rainbow Reef, Aulani’s private snorkel lagoon
  • 10% off kapa-inspired t-shirt printing
  • 10% on an ‘ukulele purchase right after you complete an ‘ukulele class

Disney’s Vero Beach Resort and Disney’s Hilton Head Island Resort

  • 10% off select merchandise purchases of $50 or more at select locations at Disney’s Vero Beach and Disney’s Hilton Head Island Resorts

Other Disney Credit Card Perks and Discounts

Disney Visa Cardmembers also have access to exclusive VIP packages at Disney’s The Lion King and Aladdin on Broadway.

Plus, there are limited time discounts and perks, like exclusive pins and deals for Disney World and Disneyland Events. Check out the limited time offers here.

Disney Visa Credit Card vs Disney Visa Debit Card Comparison

Disney Chase Debit Card

The Disney Visa Debit Card has many of the same perks as the Disney Visa Credit Card. Here are the main similarities and differences between the cards:

Similarities:

  • Both Disney Debit Card and Disney Credit Card offer the same theme park, Disney Cruise Line, and shopDisney discounts
  • Both Disney Debit Card and Disney Credit Card offer the same special photo ops

Differences:

  • The Disney Visa Debit Card requires a Chase bank account
  • The Disney Visa Debit Card does not earn Disney Rewards Dollars
  • The Disney Visa Debit Card does not offer Disney Vacation Financing
  • The Disney Visa Debit Card has no annual fee. The Disney Visa Card also has no annual fee, but the Disney Visa Premier Card has a $49 annual fee.
  • The Disney Visa Credit Cards offer statement credits for opening an account. The Disney Visa Debit Card does not.
  • The Disney Visa Credit Cards and Debit Cards offer different designs

You can find our full breakdown of the Disney Visa Debit Card discounts and purchases here.

Our favorite Disney Credit Card Perks

The Disney Visa Credit Card has a ton of perks, but we think the best perks are the shopDisney discount, merchandise discounts inside the parks, and the special photo ops that are exclusive to Cardmembers. The Disney Rewards Dollars are a nice bonus, but the 1-2% is pretty modest compared to other credit cards with cash back. We would not recommend using the Disney Vacation financing unless you can fully pay it off within 6 months, as the regular APR adds a hefty price tag to your vacation.

Which Disney Visa Card to get.

Our recommendation for most people is to opt for the Disney Visa Card because it has no annual fee, and most of the discounts and theme park perks are the same as the Disney Visa Premier Card. We would only use the Disney Visa Credit Card on Disney purchases where you’re also getting a discount, and use a different credit card that offers better cash back on groceries or gas. We see the Disney Rewards Dollars as a nice perk on top of our existing Disney purchases, rather than using other purchases to try to earn Disney Rewards Dollars.

If you’re spending a ton of money at Disney World or Disneyland every year, upgrading to the Disney Visa Premier Card could make sense if that extra 1% on Disney purchases is more than $49 a year.  You would need to be spending over $4900 on Disney vacations and shopDisney each year for that to work in your favor.

We want to hear from you!

What’s your favorite Disney Visa Credit Card perk? Let us know in the comments below.

 


James Grosch

James is a lifelong Disney Parks fan. While at the parks, he loves finding new details, learning more about Disney World history, and taking pictures. His favorite WDW attractions include Rise of the Resistance, Spaceship Earth, and Tower of Terror.
James is a filmmaker and writer based in Atlanta, GA.

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