Disney Visa card offers: Earn up to $400 toward your next vacation

At first glance, the Disney® Visa® Card (see rates and fees) and the Disney® Premier Visa® Card (see rates and fees) may appear to be only for Disney superfans, but anyone who has a Disney vacation on the calendar or makes frequent Disney-related purchases can potentially benefit from the discounts, the perks and — most importantly — the elevated welcome offers on these cards.

Related: Are the Disney Visa credit cards worth it?

We’ve rarely seen a welcome offer higher than what is available on these cards right now. In fact, this offer doubles the typical welcome offer for both cards. It won’t last forever, though, so here’s some additional information on each of the cards and their benefits so you can decide whether it’s worth applying now.

Comparison of Disney Visa card welcome offers

Disney Premier Visa Card welcome offer

Of the two Disney Visa cards, the Disney Premier Visa Card has more perks and a higher welcome offer, but those benefits come at a cost. This card has an annual fee, whereas its counterpart does not.

Annual fee: $49

Welcome offer: Earn a $400 statement credit after spending $1,000 on purchases in the first three months after account opening.

Is it worth it?

When you use this card to pay for a Disney vacation, the statement credit can offset a portion of your trip. If you’ve been considering applying for this card, now would be a good time to add the Disney Premier card to your wallet.

This card also offers theme park discounts and perks, including:

• 10% off eligible merchandise, dining and recreation purchases at select locations at Disneyland and Disney World
• 10% off select merchandise purchases aboard Disney cruises
• 15% off the nondiscounted price of select guided tours at Disneyland and Disney World
• 20% discount on tickets to Cirque du Soleil’s “Drawn to Life”
• Exclusive photo-ops at the theme parks that are only available to Disney Visa cardholders

At home, you’ll also get a 10% discount on select credit card purchases at disneystore.com and up to $16.99 each month for up to three consecutive months in statement credits on qualifying Disney Bundle purchases.

In addition to the elevated welcome offers and special discounts, you’ll earn 5% back in the form of Disney Rewards Dollars on card purchases made directly at disneyplus.com, hulu.com or espnplus.com; 2% back at gas stations, grocery stores, restaurants and most Disney locations in the U.S.; and 1% back on all other purchases.

You can redeem Disney Rewards Dollars toward select Disney vacation purchases at disneystore.com or by using Chase’s Pay Yourself Back feature to redeem Disney Rewards Dollars for a statement credit toward airline purchases made with the card.

The earning rates are not as high as other low-annual-fee cards, and the redemption options are limited compared to cards with more flexible redemption options, but the discounts and theme park perks associated with this card can be beneficial for Disney vacations.

For more details, check out our full review of the Disney Premier Visa Card.

Apply here: Disney Premier Visa Card

Disney Visa Card welcome offer

The Disney Visa Card offers theme park discounts and benefits similar to the Disney Premier but has no annual fee.

Annual fee: $0

Welcome offer: Earn a $200 statement credit after spending $500 on purchases in the first three months after account opening.

Is it worth it?

The Disney Visa Card is similar to the Disney Premier Visa Card in many ways. You get the same theme park and shopping discounts, including:

• 10% off eligible merchandise, dining and recreation purchases at select locations at Disneyland and Disney World
• 10% off select merchandise purchases aboard Disney cruises
• 15% off the nondiscounted price of select guided tours at Disneyland and Disney World
• 20% discount on tickets to Cirque du Soleil’s “Drawn to Life”
• Exclusive photo-ops at the theme parks that are only available to Disney Visa cardholders

The Disney Visa earns 1% back on all purchases. While any reward is good for a no-annual-fee card, other cards with no annual fee offer a higher rate of return and better redemption options.

Both Disney Visa cards earn rewards in the form of Disney Rewards Dollars. With the Disney Visa, you can redeem those rewards for Disney shopping and vacation purchases or use them for a statement credit on eligible Disney-related purchases using Chase’s Pay Yourself Back feature (though not toward air travel, as with the Disney Premier card).

Even with the $49 annual fee, Disney Premier offers a higher rate of return than this card, making it a better option for Disney fans unless you are only in the market for a card with no annual fee.

For more details, check out our full review of the Disney Visa Card.

Apply here: Disney Visa Card

Bottom line

Because many cards have earning rates and redemption options that surpass that of the Disney Visa cards, these cards are only suited for someone who can take advantage of the exclusive theme park perks and discounts. If you don’t fall into that camp, you may be more interested in a general travel rewards card or one of our other favorite cards for Disney vacations.

Considering these are the highest welcome offers we’ve seen on these cards in the last few years, you can get even more value if you apply now.

Apply here: Disney Premier Visa Card
Apply here: Disney Visa Card