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Thread: DVCNews Debates: Disney Visa

  1. #1
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    Default DVCNews Debates: Disney Visa

    Chase Bank is the exclusive provider of Disney-branded credit and debit cards. In addition to attractive card designs, the credit and debit card programs feature a number of exclusive perks.

    Cardholders can receive deferred interest on Disney vacation packages, free character photos opportunities at the theme parks and Disney reward dollars equivalent to 1-2% of most purchases made on either card.

    Chase even offers 6 months interest-free for most Disney Vacation Club add-on point purchases.




    Topic: Do you use the Chase Disney Visa reward card? If not, have you found a different reward program which better suits your needs?

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  2. #2
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    Well, I used to. I got rid of all my credit cards If I cant pay cash for something, I don't buy it. Anyway, I used to have the Disney Visa, had it for years. Seemed to take forever to earn rewards. I also had a Chase Amazon Visa. But the cc I liked the best (and miss the most) was my JetBlue Amex.

  3. #3
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    I am a credit card reward hound. If a gumball machine accepted credit cards, I'd swipe the card before pulling a penny (or is it now a nickle?) from my pocket.

    I haven't used the Disney CC in years. I don't book vacation packages & I'm not in the market for more points. They used to offer 5% Bonus Rewards from time to time and that's when I'd use that card, but they haven't sweetened the pot in years. Right now, it's just the prettiest card in the stack.

    I use several CCs for various reasons. There is a Courtyard by Marriott a couple miles from my son's home in Waltham, Ma. We picked up the Marriott Reward card and get a few free nights per year.

    I pay my car ins & Verizon bills automatically on my Starwood AMEX. I've redeemed a couple months worth of free nights thru SPG over the years.. Currently, I could spend 10 nights at the Swan or Dolphin for free.

    I use my Discover for the 5% quarterly bonus rewards and use the Reward dollars to buy discounted gift cards on their website. A $50.00 Darden card costs 45 reward bucks. So I earn 5% rewards and redeem with a 10% bonus. Some cards offer 20% ( $25.00 Bed Bath & Beyond for 20).

    When another card isn't offering a better incentive for Groceries or Gas, I use my BoA card which pays 2% & 3% respectively.

    Back when my boys were in college, I'd pay their tuition on the cards. I wracked up mega rewards back then. For my second son's last semester, the college went to 3rd party billing for credit card payments with a hefty fee attached, so I just wrote a check.

    Several years ago, you could buy US Savings Bonds on-line with a CC with no fee attached. Hit a few homeruns there. Now, unfortunately, they require electronic bank transfer.

    For me, CC shuffling is a game that I enjoy.
    Last edited by KNWVIKING 2.0; 02-17-2014 at 08:43 AM.

  4. #4
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    Default We use the rewards for dues

    I love the Disney cc rewards. I use it for everything and pay my bill off at the end of the month because I think the interest rates are high. We do use all of our rewards every January to pay our dues. I usually have enough to pay it all or only owe a couple hundred out of my own pocket.

  5. #5
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    Yes, we have the original card, not the new premier card.

    We use it for most of our purchases and pay it off monthly. We like the no interest for 6 months on things like cruises and tickets. We were able to get the 6 months for the Members Cruise this summer as well which was nice.

    With the rewards we rack up it usually pays for a majority of our food for out annual summer trip.

    I am beginning to think about moving up to the premier card. I would be interested to hear peoples opinions on the premier card.
    -Matt

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  6. #6
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    Default Was a Charter Member of Disney Visa; am no more.

    I was a Charter Member of Disney visa when it was offered from Bank One. Then Chase took over and things went downhill. I've had 2 run-ins with Chase Fraud department in my life. The one on the Disney Visa was the last straw! No amount of Disney rewards could compensate for being blamed for a $700 fraud charge that their "investigator" in the Philippines never responded to correspondence on. My experience with Chase has been a big pile of FAIL. YMMV

  7. #7
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    Quote Originally Posted by corwin17 View Post
    I...I've had 2 run-ins with Chase Fraud department in my life. The one on the Disney Visa was the last straw! No amount of Disney rewards could compensate for being blamed for a $700 fraud charge that their "investigator" in the Philippines never responded to correspondence on. My experience with Chase has been a big pile of FAIL. YMMV
    Funny, I did have fraudulent charges on my Disney Visa once. Gave em a call, they had a new card FedExed the next day and that was the end of it. Well, almost the end of it. I think a couple of weeks later I was sent a form which had the charges listed and asking me to circle the fraudulent ones and sign and date, but that was it.

    As for the card itself, I think it has somewhat meager rewards. I use it only now and then, usually charging at least a couple of things on it while visiting WDW.

    Oh, once they gave me $150 worth of rewards points if I upgraded to the premier card and I accepted. After a couple of years I downgraded again without issue. So I've done OK with it. Not the first card I reach for but, for me, worth having in the mix.

  8. #8
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    My wife and I have two cards we use regularly, our Alaska Airlines card, and our Disney Visa. We pay off both every month (sometimes multiple times a month), because we do all our spending on the cards to keep cash free, and to maximize rewards. Honestly, the reward rate on the Disney Visa isn't outstanding, but it was an easy card to get and has the highest limit of our cards, so we use it. And we know the rewards will get used, since we're DVC members. We'll probably upgrade to the Premiere once our first year is up, since the doubled rewards will more than offset the yearly fee.

    I haven't found a really good general purpose rewards card yet, and my wife and I are still a little credit challenged coming out of our respective divorces, so these cards will do for now. We've been debating getting an AMEX since we do pay everything off every month (and they KEEP sending us offers), but we just haven't bit the bullet yet.
    100 Points at VGF, 60 Points at SSR (April)

  9. #9
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    Default Use mine for everything

    We generally use ours build up the points & buy our AP with them. If we aren't going during a year, we use the points to pay off the dues. Works great for us.

    We have had a couple of experiences with the fraud squad from Chase & they were great for the most part (most recently during the Target mess). The only issue is mildly over-aggressive security at times, but that is a long story which worked out fine at the end.


    AKVHutch




  10. #10
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    Quote Originally Posted by mwehttam View Post
    Yes, we have the original card, not the new premier card.

    We use it for most of our purchases and pay it off monthly. We like the no interest for 6 months on things like cruises and tickets. We were able to get the 6 months for the Members Cruise this summer as well which was nice.

    With the rewards we rack up it usually pays for a majority of our food for out annual summer trip.

    I am beginning to think about moving up to the premier card. I would be interested to hear peoples opinions on the premier card.
    We have the premier card, and use it for most every day purchases, instead of cash, and don't carry a balance. There is an annual fee with the premier card, but we more than make up for that pretty quickly with the additional reward percentage.

    Each year for vacation at WDW, DCL, or last year at Vero Beach, we have >$500 of reward dollars to use for meals, tips, souveniers, etc. Plus, with the 10% discount on many purchases at WDW, the reward dollars used for those spendings go further as well.

    Being DVC members, we are obviously Disney proud, and when we use the card we get a kick out of people's comments that often come our way.

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