Please Stop Getting the Disney Credit Cards and Get These Cards Instead

Do not sign up for a Disney Visa credit card — at least not if you’re actually interested in earning rewards.

The two Disney World credit cards from Chase do offer an endearing design, but their rewards programs are so lacking they barely exist.

If you actually want to earn rewards for your Disney vacation, please do yourself a favor and don’t fall for the hype. There are better cards you can use for a Disney trip which will leave you with a higher rate of rewards and more flexibility in the end.

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    Disney Credit Cards: How They Work

    The first step of realizing how unfruitful having a co-branded Disney credit card can be is understanding how their programs stack up to other, better rewards cards. So, let’s start there.

    First off, Disney offers two rewards cards that purportedly help you earn rewards for use at their parks — the Disney Rewards® Visa® Card and a Disney Premier Visa® Card.

    As you can see, both cards let you rack up Disney “Rewards Dollars” good for on-park purchases. The Premier version of the card even lets you redeem points for airfare with any airline, so that’s good.

    But what’s especially egregious to me is the fact that the Premier card charges a $49 annual fee! In exchange, you earn a $200 signup bonus, 2x points at gas stations, grocery stores, restaurants, and *most* Disney locations, and one point per dollar spent on all other purchases. Considering the fact you can earn double points or more with cards that don’t charge an annual fee, it’s easy to see why this is a bad deal.

    But, what’s even more annoying is the redemption side of things. You can redeem your points for stays at Disney Parks and Resorts — in other words, park tickets and on-property Disney hotels. You can also redeem them for Disney merchandise and Disney cruises.

    But, what if you want to stay in a cheaper rental outside the park to save money on your Disney trip? What if you find a better deal on park tickets with How about you decide to drive to the park to avoid airfare and wish you could just redeem your points for gas? What happens if you decide Disney is just too expensive and you want to go to a local theme park instead?

    In any of those cases, too bad for you, because you don’t have those options with the co-branded Disney credit cards. These cards limit your redemption options to Disney stuff only with the exception of being able to redeem for airfare with the Premier version of the card.

    For that reason, Disney credit cards are really only for people who love Disney and plan to spend a boatload of money staying in a Disney property and buying all the Disney merch. And even then, the Disney credit cards are really only for people who are bad at math.

    Go to Disney, but Get These Cards Instead

    Imagine you could get a better rate of return with a cash-back or travel credit card, plus the ability to spend your rewards however you want. Well, guess what — you can… with basically any other travel or rewards card.

    The way other travel credit cards are set up makes it possible for you to earn a higher rate of rewards in many cases while also gaining the ability to redeem points for any vacation experience. Your new card may not have the Disney logo on the front, but who cares?

    Let’s say you’re willing to pay an annual fee for a premier travel credit card. In that case, consider the Capital One Venture Rewards Credit Card. This card doles out a huge signup bonus plus unlimited 2x miles on everything you buy. Better yet, you can redeem the miles for any travel expense you want, whether that’s a Disney property, an off-resort rental condo, flights, or something else.

    Let’s say you don’t want to pay an annual fee for your credit card. In that case, a card like the Chase Freedom® or Chase Freedom Unlimited® could work splendidly. Both cards come with no annual fee and rewards you can redeem for statement credits, any hotel, and more.

    You could then pick up a smart cash-back card like the Chase Freedom® to pay for incidentals and like the Capital One Venture Rewards Credit Card to cover any hotel or rental condo you wanted. Another option: You could also get the Starwood Preferred Guest® Credit Card from American Express (currently unavailable) to cover your hotels. This card lets you redeem rewards for stays at a ton of Orlando resorts near the parks, such as Sheraton Lake Buena Vista Resort.

    The bottom line: There are dozens of rewards cards you can use to cobble together a free or almost-free Disney trip, but you may need to explore a little to find the ideal combination for your needs.

    Please Note: Information about the Chase Freedom® have been collected independently by The issuer did not provide the details, nor is it responsible for their accuracy.

    Editorial Note: Compensation does not influence our recommendations. However, we may earn a commission on sales from the companies featured in this post. To view our disclosures, click here. Opinions expressed here are the author’s alone, and have not been reviewed, approved or otherwise endorsed by our advertisers. Reasonable efforts are made to present accurate info, however all information is presented without warranty. Consult our advertiser’s page for terms & conditions.

    Holly Johnson

    Contributing Writer

    Holly Johnson is a frugality expert and award-winning writer who is obsessed with personal finance and getting the most out of life. A lifelong resident of Indiana, she enjoys gardening, reading, and traveling the world with her husband and two children. In addition to The Simple Dollar, Holly writes for well-known publications such as U.S. News & World Report Travel, PolicyGenius, Travel Pulse, and Frugal Travel Guy. Holly also owns Club Thrifty.