Disney Visa Cardmember Discounts
Darren Wittko, May 2016
Disney Visa Offers at Walt Disney World
Character Meet 'N' Greet at a private Cardmember location at Epcot during select times.
Receive 10% off select merchandise of $50 ($5 off) at select locations. At Walt Disney World participating retailers are the Emporium at Magic Kingdom, Mouse Gear at Epcot and the World of Disney Store at Disney Springs.
Receive 10% off select dining locations (restrictions apply).
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)
It's worth noting that many of these benefits are offered to anyone who books a Magic Your Package with or without the Disney Visa Card. Prior to arriving, you'll receive a coupon book with many of the same offers.
The Official Disney Visa Card page often has limited time offers and complete details regarding discounts and offers. Cardmembers sometimes have early access to special promotions.
There's usually a one-time sign on bonus that can range from 50 in Reward Dollars or a $100 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 December 2018, Darren Wittko