Disney® Visa® Card
Basic Information
Program ID: disney-visa-card
Issuer: Chase
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 17:54
Last Scraped: 01/15/2026 07:30
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 12 months
Balance Transfer APR: 2,999.00%
Intro BT APR: 0.00%
Intro BT Duration: 12 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $150.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours
Rewards Program
Reward Type: Disney Rewards Dollars
Base Reward Rate: 1.00%
Bonus Reward Rate: 2.00%
Bonus Categories: 2x Gas Stations, 2x Restaurants, 2x Disney Locations
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Disney Rewards Dollars do not expire as long as your account is open and in good standing.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the Disney Visa Card in 2026 requires applicants to be 18+ years old (21+ in some states), possess a good to excellent credit score (typically 670+), and have sufficient income to support the credit limit. Applicants must adhere to Chase's 5/24 rule, meaning they cannot have opened more than 5 credit cards across all issuers in the past 24 months. Additionally, Chase's internal application rules include not opening more than 2 Chase cards (personal or business) in 30 days (the 2/30 rule). To be eligible for the welcome bonus, applicants must typically be new cardmembers who have not received a sign-up bonus for this specific Disney Visa Card in the last 24 months. The standard welcome offer usually involves earning a statement credit after meeting a specified spending threshold within the initial months of account opening.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all Chase cards, rapid application for multiple cards (even if within 5/24), suspicious spending patterns inconsistent with declared income, repeated late payments, or abuse of rewards programs (e.g., excessive returns for points).
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Users highly value the exclusive Disney perks, such as discounts on merchandise, dining, and resort stays, as well as character meet-and-greets. The 2% back on gas, restaurants, and Disney locations is appreciated, especially for frequent Disney visitors, and the lack of an annual fee is a significant plus.
Top Negative Feedback:
Common complaints include the limited redemption options for rewards (only Disney Rewards Dollars), the relatively low 1% earning rate on general purchases, and that the card's value is diminished for those who do not frequently engage with Disney products or experiences.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Capital One SavorOne Cash Rewards Credit Card
- Citi Custom Cash Card
Card Value Score: 80.0 / 100
Est. Annual Rewards: $350.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 72 months
Store vs Co-brand: 40% General / 60% Co-brand
Risk Assessment
Default Risk Group: Medium-Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0