Disney Credit Card

You might have already heard about the Disney Rewards Visa Card and the potential savings you could make on it. But before you rush headlong into getting one, here are the hard facts on the financial details.

Since it is a Disney rewards card, naturally it earns reward points that can be used to redeem rewards from Disney. For every $100 you spend on the Disney card, you earn 1 Disney Dream Reward Dollar. 1 Disney Dream Reward Dollar is worth $1 when used to redeem for Disney offers.

These rewards include Disney hotels stays, Disney theme park tickets and Disney merchandise. You can also get special rewards with the card like Character Meet 'N' Greet Event, Disney Friends Portrait, keepsake photos, VIP tours and more. The rewards on theme parks and hotel stays come with no block-out dates; so you don’t have to compromise on your holiday planning to fit into the rewards schedule. The best time to go to Disney is usually sometime between the off-peak and peak seasons when the crowd isn’t unbearable and the parks are not under too much maintenance.

The Disney card also allows you to choose from one of the many Disney designs for your credit card to show your friends how much of a Disney fan you are. And imagine taking out a Disney card to pay at any of the Disney parks. That, completes the experience.

The Disney Rewards Visa Card happens to also be a 0% interest credit card that offers 0% interest on purchases and balance transfers for the first 6 months. During the introductory period, you can pay for holiday trips to Disney using the card without any interest charges. You can also earn reward points for redeeming Disney merchandise without having to incur any additional costs. After the introductory period, the APR for purchases and balance transfers then becomes 13.24% variable or 16.24% variable depending on your credit history and application. Naturally, a better credit will allow you to qualify for the lower APR.

But if you default on your payments during the introductory period, the 0% interest offer will be withdrawn immediately. And if you’re late for 2 or more times within any 6 month period, a late payment rate of 24.24% variable will be charged to you, not the best way to save up for your Disney holiday. Remember you’re trying to earn rewards on your regular spending, not over expend simply because there is a 0% interest offer.

The Disney Rewards Visa Card is a card used especially for earning Disney rewards. If you’re a regular Disney goer, the card is great for savings and other rewards on offer. On top of that, the card comes with a 6 month 0% interest offer. Great for planning to go on a Disney holiday. Not only do you save money; you earn unique experiences on your Disney holidays. But if you’re just a common Disney fan, the best this card can work for you is to show your friends how much more a fan you are with a dedicated Disney card.