Is The Disney Chase Credit Card Right For You?

There are 2 choices for a Disney Chase Credit Card.


Current/1st card released by Chase in 2003:      

  • No annual fee
  • Earn 1% of Disney Dollars on all purchases
  • Cap of earning 750 Disney dollars per year
  • 0% Disney Store discount over $50
  • Free 5x7 picture taken at specific Disney location

The Premier card:     

  • $49 annual fee
  • Earn 2% on restaurants, grocery stores, Disney purchases, gasoline
  • Earn 1% on all other purchases
  • No annual Disney dollar earning cap
  • Car rental insurance coverage (restrictions apply)
  • 10% Disney Store discount over $50
  • Able to use Disney Dollars on flight purchases
  • Free 5x7 picture taken at specific Disney location

Helpful hints/information:

  1. 2% on Disney purchases include DVC membership dues (when paid in full annually), down payment on a DVC membership, theme park tickets, dining plan, Disney Store, etc.
  2. Now that I have a premier card, I was dreading using the Disney dollars for Disney tickets, dining, etc., because everything we buy that is Disney related, we get 2%. In order to still earn 2% on your upcoming Disney trip with Disney purchases, keep your points right where they are. DO NOT move them to a rewards card if you plan on flying into Orlando or flying anyplace, for that matter. Buy your flights with your Disney card. Once the amounts have hit your statement or within 60 days, you can request online or via phone to have the appropriate reward dollars moved to your statement to pay for the flights. By using them for your flights, you only miss out on 1% versus missing out on 2% on a Disney purchase. If you have extra dollars (more than flights cost), then move them to the rewards card when you are going on your trip or to pay for whatever you need in advance. 
  3. Use the card for everything where ever credit cards are accepted including places you normally send a check.  Simply pay off the monthly balance with the money you would have mailed.  I.E., electric, cell phone, cable, shopping, booking Disney Vacation, down payment on a car, DVC annual dues, donations, Disney loan principal payments, etc.
  4. If you have a Premium card, review the benefits every year to ensure you continue to make more in Disney dollars than the $49 annual fee by adding the 2% earned on every statement for 12 months and dividing in 1/2.  Unfortunately, Chase does not have a program specifically to view those numbers. 
  5. While I realize I could use one of my other cards to earn money back, those cards are much more strict with limits, most of those cards do not pay on all purchases and it's just not as fun as earning Disney dollars! Plus, it's easier to maintain a separate "account" where the Disney dollars won't get used before the trip.
  6. Disney dollars stay with Chase until you request them and they do expire with Chase.  Chase provides expiration dates on your statements, which is 5 years from the date you earned each dollar. 
  7. Upon request, a Disney rewards card will be mailed with your requested amount loaded on the card, which expires in one year.  Once you use the balance on the card, keep the same card until it expires.  You can go on-line to transfer more Disney dollars to that card.  This allows you to cut down the time it takes for a new card to be sent to you as long as you plan on using the points by the expiration date of the rewards card.  There is usually a minimum amount of reward dollars to move from Chase to the rewards card. ($10)  My suggestion is to request the card at least 4 months prior to your trip to Disney and transfer the remaining dollars to the card on-line right before your trip or during your trip.

If you decide to apply for either Chase Credit Card, be sure to look for the deal where you receive money for applying/approval for the card or after your first purchase.  Terms and conditions change quite often.

For the complete and accurate terms and conditions on the card, please go to www.chase.com/Disney.