The Disney® Visa® Card offers new cardmembers a $150 statement credit after spending $500 on purchases within the first 3 months of account opening. Cardholders can earn 1% in Disney Rewards Dollars on all purchases, which can be redeemed at most Disney U.S. locations. The card provides 10% savings on select purchases at DisneyStore and various Disney resorts. It features special vacation financing with a 0% promotional APR for 6 months on select Disney vacation packages, followed by a variable APR of 19.24% to 28.24%. The card has no annual fee and includes additional fees such as balance transfer and cash advance fees, and a potential penalty APR of up to 29.99%.
Features
- $150 Statement Credit. New cardmembers receive a $150 statement credit after spending $500 on purchases within the first 3 months from account opening.
- 1% Disney Rewards Dollars. Earn 1% in Disney Rewards Dollars on all card purchases, which can be redeemed at most Disney U.S. locations.
- Variable APR. The card has a variable APR ranging from 19.24% to 28.24% based on creditworthiness.
- Additional Fees. Includes balance transfer and cash advance fees, with a penalty APR up to 29.99% for missed or returned payments.
Pros and Cons
Pros
10% Shopping Savings. Enjoy 10% savings on select purchases at DisneyStore and at various Disney resorts.
Special Vacation Financing. Benefit from a 0% promotional APR for 6 months on select Disney vacation packages, after which a variable APR of 19.24% to 28.24% applies.
No Annual Fee. The card has no annual fee, making it cost-effective for cardholders.
Cons
Limited Redemption Options. Disney Rewards Dollars can only be redeemed at Disney U.S. locations, limiting their usability for some cardholders.
Additional Fees. The card includes balance transfer and cash advance fees, which can add up and increase the cost of borrowing.
Penalty APR. A penalty APR of up to 29.99% can apply for missed or returned payments, significantly increasing interest rates.
How to Apply for a Disney® Visa® Credit Card
Online
Explore Credit Card Options. Browse through the available credit card options to find the Disney® Visa® Credit Card. Click on the card to access more details.
Review Card Details. Take your time to review the features, benefits, and terms of the Disney® Visa® Credit Card to ensure it meets your needs.
Initiate Application. Look for the "Apply Now" button to start the application process. Click on it to proceed.
Fill Out Application Form. Complete the online application form with accurate personal, financial, and contact information as required. Ensure all fields are filled correctly.
Submit Application. After filling out the form, review the information provided to avoid any errors. Once satisfied, submit your application.
Wait for Approval. After submission, the bank will review your application. You may receive an instant decision or have to wait a few days for a response.
Receive Card. If approved, your Disney® Visa® Credit Card will be mailed to the address provided during the application process.
Mobile App
Log In or Register. Open the Chase mobile app and log in to your existing online banking account. If you're a new user, you may need to register for mobile banking by providing your account details and creating login credentials.
Navigate to Credit Cards. Once logged in, navigate to the section of the app dedicated to credit cards or banking products. This may be accessible from the main menu or homepage.
Find Disney® Visa® Credit Card. Look for the Disney® Visa® Credit Card among the available options. Tap on the card to view more details.
Start Application. Locate the option to apply for the Disney® Visa® Credit Card within the app. It may be labeled as "Apply Now" or something similar. Tap on it to initiate the application process.
Complete Application Form. Fill out the application form provided in the app with accurate information, including personal, financial, and contact details. Double-check for accuracy before proceeding.
Submit Application. After completing the form, review the information provided to ensure accuracy. Once verified, submit your application through the mobile app.
Wait for Response. The bank will review your application. Depending on their process, you may receive an instant decision or have to wait for a few days to receive a response.
Receive Confirmation. If approved, you'll receive confirmation within the app or via email. Your Disney® Visa® Credit Card will be mailed to the address provided during the application process.
Branch Application
Research and Preparation. Begin by researching the various credit cards offered by Chase to determine which best suits your needs and preferences. Consider factors such as rewards, interest rates, annual fees, and benefits.
Gather Necessary Documents. Collect all required documents, such as a valid photo ID (e.g., driver's license or passport), Social Security number, proof of income (e.g., pay stubs or tax returns), and any other relevant financial information.
Visit a Chase Branch. Locate the nearest Chase branch by using the Chase website or mobile app. Plan your visit during the branch’s operating hours.
Meet with a Chase Representative. Once at the branch, request to speak with a representative about applying for a credit card. The representative will guide you through the process, answer any questions, and provide you with the necessary forms.
Complete the Application Form. Fill out the application form provided by the representative. Ensure all information is accurate, including personal details, employment information, and financial data.
Submit Your Application. After completing the form, submit it to the representative along with your supporting documents. The representative will review your application for completeness and accuracy.
Wait for Approval. The representative will submit your application for processing. Approval times can vary; in some cases, you may receive an instant decision, while others may require further review. You will be notified of the decision by mail or email.
Receive Your Card. If approved, your new credit card will be mailed to you. Upon receiving your card, follow the instructions to activate it and begin using it to earn rewards and manage your finances effectively.
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Eligibility Requirements
Age Requirement. Must be at least 18 years old (19 in Alabama and Nebraska, 21 in Puerto Rico).
Residency. Must have a valid permanent home address within the 50 United States, the District of Columbia, Guam, Puerto Rico, or the U.S. Virgin Islands, or a United States military address.
Creditworthiness. Approval is based on creditworthiness and other factors, with a review of the applicant's credit report and provided information.
Cardmember Status. Applicants should not currently have or have had a Disney® Visa® Card from Chase and received a new cardmember bonus in the past 24 months.
Marital Status in Wisconsin. Married Wisconsin residents must provide their name, social security number, and the name and address of their spouse.
Income Information. Must provide employment and income information as part of the credit application process.
Credit Bureau Report Authorization. Applicants must authorize Chase to obtain credit bureau reports and other information for credit evaluation.
Valid Social Security Number. Must provide a valid social security number for identity and credit verification.
Reasons You May Be Denied a Card
Insufficient Credit History. If you have a limited credit history or no credit history at all, the issuer may be unable to assess your creditworthiness, which could result in a denial of your credit card application.
Low Credit Score. A low credit score, often indicative of past financial difficulties or missed payments, may lead to a denial of your credit card application. Credit scores below a certain threshold may be considered risky by the issuer.
High Debt-to-Income Ratio. If you have a high debt-to-income ratio, meaning you have significant outstanding debt relative to your income, the issuer may view you as a higher credit risk and deny your application.
Recent Bankruptcy. If you have filed for bankruptcy recently, you may be denied a credit card as it indicates financial instability and an increased risk for the issuer.
Delinquent Accounts. If you have a history of late payments, defaults, or delinquent accounts on your credit report, it may signal to the issuer that you are not financially responsible and may lead to a denial of your application.
Multiple Recent Credit Applications. Applying for multiple credit cards or loans within a short period, especially if accompanied by rejections, may raise concerns for the issuer about your financial stability and lead to a denial.
How to Pay Off Credit Card Debt
Access Your Account. Sign in to your Chase online banking account or mobile app to access your credit card information.
Review Your Balance. Take a moment to examine your outstanding balance, including any accumulated interest or fees.
Choose a Payment Method. Determine how you wish to proceed with your payment. Chase provides several convenient options, such as online banking, mobile banking, in-person at a financial center or ATM, by phone, or through the mail.
Online Payment. If you opt for online payment, log in to your account, proceed to the bill pay section, and follow the prompts to initiate a payment. You can select to pay the minimum amount due, the full balance, or a customized amount.
Mobile Payment. Alternatively, you can utilize the Chase mobile banking app to complete a payment. Choose your Disney® Visa® Credit Card account and follow the prompts to finalize the payment process.
In-Person Payment. For those preferring in-person transactions, visit a Chase financial center or ATM. You can make a payment using cash, a check, or your debit card at the ATM, or seek assistance from a representative at the financial center.
Phone Payment. To make a payment over the phone, dial the Chase customer service number and follow the automated instructions to navigate to the payment section. From there, you can complete the payment using your checking account or debit card.
Mail Payment. Lastly, if mailing your payment suits your preference, utilize the payment address provided on your billing statement. Ensure to include your Disney® Visa® Credit Card account number on the check or money order and allow adequate time for delivery.
Confirm Payment. Following your payment submission, verify that it has been successfully processed. You can check your account balance online or via the mobile app to confirm the payment's application to your Disney® Visa® Credit Card debt.
Editorial Opinion
The Disney® Visa® Card appeals to Disney enthusiasts looking to earn rewards and enjoy savings on Disney-related purchases. The $150 statement credit and the 0% promotional APR for vacation financing add value for new cardmembers planning a Disney trip. However, potential applicants should consider the high variable APR and additional fees, which could impact the overall benefits if the balance is not paid in full each month. The card’s perks are best suited for those who frequently engage with Disney products and services.