Disney Visa Cardmember Discounts
By Darren Wittko
Disney Visa Offers at Walt Disney World
Character Meet 'N' Greet at a private Cardmember location at Epcot during select times, free photo download when you show your Disney Visa Card.
Star Wars Character Experience: Free photo download at Disney’s Hollywood Studios at a private member location near the Star Wars Launch Bay. Just show your Disney Visa.
Receive 10% off select merchandise of $50 at select locations. Note that some of the operating participant retailers (those that are not owned by Disney) may not participate Disney Visa perks or rewards. See below for those that do.
Receive 15% off the non-discounted price of select guided tours and recreation experiences at Walt Disney World Resort.
Receive 15% off the non-discounted price of any salon treatment valued at $45 or more or any 50-minute or longer spa service at the spas and salons. (that's $6.75 off $45)
10% off on Select Recreation activities: 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
Receive 10% off select dining locations (restrictions apply).
Disney’s Animal Kingdom Lodge & Villas
Boma – Flavors of Africa
Jiko – The Cooking Place (see restrictions)
Disney’s BoardWalk Inn & Villas
ESPN Sports Club
Flying Fish (restrictions apply)
Disney’s Caribbean Beach Resort
Disney’s Contemporary Resort
The Wave…of American Flavors
Disney’s Fort Wilderness Resort & Campground
Trail’s End Restaurant
Disney’s Grand Floridian Resort & Spa
Cítricos (restrictions apply)
Grand Floridian Cafe
Disney’s Old Key West Resort
Disney’s Polynesian Village Resort
Disney’s Port Orleans Resort
Boatwrights Dining Hall
Disney’s Saratoga Springs Resort & Spa
The Turf Club Bar and Grill
Disney’s Wilderness Lodge
Whispering Canyon Cafe
Disney’s Yacht Club Resort
Ale & Compass Restaurant
Cape May Cafe
Disney’s Animal Kingdom Theme Park
Disney’s Hollywood Studios
The Hollywood Brown Derby (restrictions apply)
Hollywood & Vine (restrictions apply)
Biergarten Restaurant (restrictions apply)
Coral Reef Restaurant (lunch only)
Le Cellier Steakhouse (lunch only)
Rose & Crown Dining Room (lunch only)
Magic Kingdom Park
Jungle Navigation Co. Ltd. Skipper Canteen
ESPN Wide World of Sports Complex
ESPN Wide World of Sports Grill
Additional Discounts available through Operating Participant retailers. These are companies that are on Walt Disney World property, but not owned by Disney. Most of them are located at Disney Springs.
20% off entire purchase at Joffrey’s Coffee & Tea Co.
Joffrey’s Coffee & Tea Co. kiosks throughout Walt Disney World Resort
Joffrey’s retail location at Disney Springs Marketplace (excluding alcohol)
Online at JOFFREYS.com with code: VISABEANS.
20% off at Luxury of Time at Disney Springs Town Center on select in-house jewelry and 10% off select watches
15% off select purchases at Levi’s at Disney Springs Town Center with code: DISNEY15
10% off select merchandise purchases of $50 or more at the following Disney Springs locations:
Chapel Hats (store and kiosk)
Good Fortune Gifts and House of Good Fortune
House of Blues® Gear Shop
Marrakesh Emporium Arts & Crafts
Sugarboo & Co.
Additionally, receive 10% off select purchases at House of Blues® Restaurant & Bar and on entrees at Bongos Cuban Café™ at Disney Springs® West Side.
There's usually a one-time sign on bonus that can range from 50 in Reward Dollars or as much as a $200 statement credit.
Disney PREMIER Visa - Is it Worth the $49 Annual Fee?
With the Disney Premier Visa you can earn 2% in Disney Dream Reward Dollars on purchases at Walt Disney World Resort, Disneyland Resort, gas stations, grocery stores, and restaurants. It earns 1% in Dream Reward Dollars on everything else. The Disney Premier Visa includes the same benefits above but there’s a $49 annual fee.
Break Even on the Annual Fee
If earning double rewards, you’ll need to spend $2,450 to break even on the annual fee, or $4,900 if earning 1% in rewards.
The Retailer Name Game
Sure it's nice to get 2% in rewards on gas and groceries but not all retailers are registered with Visa as an actual gas station or grocery store. For example, Walmart Supercenter and SuperTarget are not considered grocery stores according to Disney Visa, they are general merchandise stores and grocery purchases will earn 1%. Yes, even if you're buying groceries. Costco and BJ's Wholesale Clubs are not considered grocery stores. Those that also sell gas are not necessarily considered gas stations and therefore might not earn double rewards, it depends on how each location registered with Visa - the gas station might be considered part of the main store.
What Rewards actually Look Like
To earn 500 Dream Reward Dollars that can be applied to a Walt Disney World vacation, you’d need to spend $25,000 if earning 2%, or $50,000 if earning 1%. But don't forget your annual fee - add an additional $2,450 each year on 2% rewards or $4,900 on 1% rewards. So those 500 Dream Reward Dollars actually cost $27,450 at 2% or $54,900 at 1%.
If you spend $3,000 on a Walt Disney World vacation, which will earn 2% in rewards on the Disney Premier Visa, you'll get 60 Dream Reward Dollars.
Reward Dollars can also applied toward airline travel as a statement credit. You can purchase any flight on any airline and apply Reward Dollars towards that purchase. A minimum of 50 Reward Dollars is required, that's $5,000 in card spending at 1% or $2,500 in spending on 2% rewards.
Both the Disney Visa and Disney Premier Visa offer some useful benefits for Disney fans. The card is on par with others - many offer 1 or 2 percent in cash back or rewards. But before you dish out $49 for the annual fee, you might consider other cards without an annual fee.
The jetblue Master Card has no annual fee and you can rack up airline miles quickly. jetBlue is one of the largest airlines operating out of Orlando International Airport and offers some of the lowest fares. Southwest Airlines also has a rewards card but there's a $99 annual fee. The Citi Double Cash Card offers 2% cash back on all purchases and there's no annual fee.
The idea is to get as much as you can for things you are going to buy anyway without an annual fee. Try not to carry a balance - the interest charges will eat up your profits. Use sites like Credit.com to shop multiple credit cards at once - there are plenty of cards offering cash back and rewards for no annual fee.
Updated May, 2019, Darren Wittko