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The Best Credit Card for Your Next Vacation to Walt Disney World® Resort

Updated

Planning a Disney vacation and want more savings, rewards and Cardmember perks? The Disney® Visa® Credit Card is the perfect way to make the most of a vacation at Walt Disney World® Resort. From special vacation financing to photo opportunities at private Cardmember locations, we’ve listed the benefits the Disney Visa Card and Disney Premier Visa Card can offer at the Most Magical Place on Earth.123

Which Card Do You Carry: Disney Visa Card or Disney Premier Visa Card?

There are two types of cards Cardmembers can have in their wallets: the Disney Visa Card or the Disney Premier Visa Card. Though they both make it possible to earn and redeem Disney Rewards Dollars, the Disney Premier Visa Card allows you to earn faster and provides another way to redeem.

  • Disney Visa Cardmembers earn 1% in Disney Rewards Dollars on all card purchases.45
  • Disney Premier Visa Cardmembers earn 2% in Disney Rewards Dollars on card purchases at gas stations, grocery stores, restaurants and most Disney locations, as well as 1% on all other card purchases. They also earn 5% on card purchases made directly at DisneyPlus.com, Hulu.com or ESPNPlus.com.47
  • All Cardmembers can redeem Rewards Dollars toward most Disney products and offerings. Premier Cardmembers can redeem Disney Rewards Dollars toward airline purchases in the form of statement credits through Pay Yourself Back®.8

For more information on these two cards, including new Cardmember bonuses, visit our Compare Cards page.

5 Cardmember Benefits at Walt Disney World® Resort

1. Special Vacation Financing

Booking your vacation is where every Disney getaway starts, and this can be where Cardmember perks begin, too! Take advantage of special vacation financing on select vacation packages by using your Disney Visa Card.1 Your Walt Disney World® Resort vacation package can include lodging, parks tickets and other essentials for your dream visit.

2. 10% Savings on Select Dining, Shopping and Recreation Experiences

Ready to revel in amazing restaurants, unique souvenir shops, unforgettable activities and more? You can pack even more into your Disney vacation when you take advantage of your perks. Save along the way as you use your Disney Visa Card at Disney locations around the parks, including:

  • Receive 10% off at select dining locations most days.211
  • Save 10% on select merchandise purchases at select locations throughout Walt Disney World® Resort.213
  • Receive 10% off the non-discounted price of select recreation experiences around the Walt Disney World® Resort, including horseback trail rides at Disney’s Fort Wilderness Resort & Campground.215

3. 15% Savings on Select Guided Tours

Vacation is the perfect time to enjoy unique experiences, and you can save on them with the Disney Visa Card. Guided tours take you behind the scenes around the parks, with different themes to reflect all kinds of interests, guided by expert cast members who offer knowledge and answer questions along the way. Cardmembers save 15% off the regular price of select guided tours most days, including the Wilderness Back Trail Adventure. Availability is limited and advance reservations are suggested.215

4. Visit Private Cardmember Locations for Complimentary Photos

Make sure to save room in your schedule to stop by the Disney Visa Cardmember Photo Opportunities at EPCOT® and Disney’s Hollywood Studios®! Bring your Disney Visa Card to pose with some Disney Characters,  and you will even receive complimentary Disney PhotoPass® photo downloads.23

5. Redeem Disney Rewards Dollars Toward Fun Extras

You’ve earned Disney Rewards Dollars, and now you get to enjoy them. You can redeem Disney Rewards Dollars toward snacks and dining, souvenirs and merchandise, and enhancements to your vacation experience at participating locations—like a luxurious room upgrade at your Disney hotel or a selection from Enchanting Extras Collection. And remember that Disney Rewards Dollars can be combined with other forms of payment and can be redeemed in conjunction with other offers and with all the savings listed above.457

So, which is the best credit card for Walt Disney World® Resort?

Bottom line: You can make the most out of your Disney vacation with the Disney Visa Card and Disney Premier Visa Card

Both the Disney Visa Card and Disney Premier Visa Card offer benefits listed, from savings on dining and shopping to exclusive photo opportunities.231113 With the Disney Premier Visa Card, you’ll also earn twice as much when making purchases at grocery stores, gas stations, restaurants and most Disney locations, so you can earn faster to redeem more during your stay at Walt Disney World® Resort.7

Related Posts

NEW + EXCLUSIVE

For New Disney® Inspire Visa® Cardmembers

$600 OFFER

A $300 Disney Gift Card eGift upon approval + earn a $300 statement credit after spending $1,000 on purchases in the first 3 months from account opening.12

Learn more
NEW + EXCLUSIVE

For New Disney® Inspire Visa® Cardmembers

$600 OFFER

A $300 Disney Gift Card eGift upon approval + earn a $300 statement credit after spending $1,000 on purchases in the first 3 months from account opening.12

Learn more
NEW + EXCLUSIVE

For New Disney® Inspire Visa® Cardmembers

$600 OFFER

A $300 Disney Gift Card eGift upon approval + earn a $300 statement credit after spending $1,000 on purchases in the first 3 months from account opening.12

Learn more

1Special Vacation Financing

Get special vacation financing on select Disney Resort packages, all Adventures by Disney® packages, National Geographic Expeditions, all AULANI, A Disney Resort & Spa, Ko Olina, Hawai‘i vacation packages, and all Disney Cruise Line packages (collectively, Disney Vacation Packages). Disney Vacation Packages must be booked by you through the Walt Disney Travel Company, Disney Cruise Line or Adventures by Disney Travel Services, Inc., online at Disney sites or through other eligible travel agents or sites, and charged to your Disney Visa Credit Card prior to commencement of your vacation. Other restrictions and exclusions apply. New Applicants: Please refer to the applicable Pricing & Terms for pricing details: Disney Inspire Visa Card pricing↗; Disney Premier Visa Card pricing↗; Disney Visa Card pricing↗. If you received an offer in the mail, please refer to the Pricing & Terms included with that offer. You will receive complete terms and conditions for this offer once you become a cardmember. Existing Cardmembers: For complete details please refer to your Cardmember Agreement.

2Disney Theme Park & Resort Perks

Offers and offer elements including, but not limited to, participating locations and eligible items, are subject to availability, capacity limitations, closures and additional restrictions and exclusions, may change or be canceled without notice, and are not guaranteed. Must use your valid Disney Visa Card and/or Disney Rewards Redemption Card as form(s) of payment at the time of purchase for full amount of purchase to receive special offers. Merchandise discount may not be available for certain items and at certain locations including Disneyland® Resort and Walt Disney World® Resort Operating Participant locations and any other locations or kiosks that are not owned or operated by the owners of the Disneyland® Resort or Walt Disney World® Resort. To receive a merchandise discount, you must mention the specific offer. For entry into the Disney, Heroic Encounter or Star Wars Cardmember Photo Opportunities, you must present your valid Disney Visa Card. Not valid in combination with other offers, discounts, promotions or with any previous purchase. Minimum purchase and/or separate Theme Park admission and Theme Park reservation may be required. Offers are for personal use only and may not be transferred or resold. Chase is not responsible or liable for fulfillment of these Disney Theme Park and Resort perks.

3Cardmember Photo Opportunities at Walt Disney World® Resort

The Cardmember Photo Opportunities are offered daily during set hours–the Disney Cardmember Photo Opportunity is at EPCOT® and the Star Wars Cardmember Photo Opportunity is at Disney's Hollywood Studios®. Separate Theme Park admission and Theme Park reservation required for each Cardmember Photo Opportunity. Must present a valid Disney Visa Card for entry for up to 6 people per cardmember account (each cardmember account may be used for entry only one time per day). Operating times, days of the week, locations and appearance of Characters (digitally or physically, as applicable) may vary and are subject to restrictions and change or cancellation without notice. Offer includes complimentary downloads of your Disney PhotoPass® photos taken at the Disney Visa Cardmember Photo Opportunity location that are associated to your Disney account. To access complimentary downloads of your Disney PhotoPass® photos taken at the Disney Visa Cardmember Photo Opportunity location, go to the My Disney Experience app or DisneyWorld.com/PhotoPass and log-in using your existing account or create an account. MagicBands or other media scanned by the photographer at the time of capture must be linked to your My Disney Experience Profile or you may claim Disney PhotoPass® cards provided to you by the photographer by entering the Disney PhotoPass® ID number found on the back of your Disney PhotoPass® card. One photo session per valid cardmember account per day. Offer not valid for photos taken at other Disney PhotoPass® locations or attractions photos. Disney PhotoPass® service is subject to the Disney PhotoPass® Terms & Conditions and expiration policy at DisneyWorld.disney.go.com/PhotoPass-terms-conditions. Not responsible for missing, lost or damaged photos. Not valid in combination with other offers, discounts or promotions. Offer is for personal use only and may not be transferred or resold. Please visit DisneyRewards.com/ParkPerks for additional information.

4Disney Rewards Dollars

Disney Rewards Dollars are subject to the Disney Rewards Dollars Terms and Conditions for Disney Visa Credit Cards available at DisneyRewards.com/Terms.

5New Applicants: Earn Disney Rewards Dollars with the Disney Visa Card

The terms and conditions that apply to Disney Rewards Dollars are available at DisneyRewards.com/Terms and will be provided to you with your Disney Visa Card once you become a cardmember.

 

Subject to credit approval. You will earn one percent (1%) in Disney Rewards Dollars for every dollar in Qualifying Purchases. ("Qualifying Purchases" means the amount of your retail purchases of goods and services minus returns or refunds that qualify for Disney Rewards Dollars in a billing cycle and do not include balance transfers, cash advances and other cash-like transactions, travelers checks, foreign currency, money orders, wire transfers, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your Card Account, interest, unauthorized or fraudulent charges, or fees of any kind, including an annual fee, if applicable.)

6New Applicants: Earn Disney Rewards Dollars with the Disney Premier Visa Card

The terms and conditions that apply to Disney Rewards Dollars are available at DisneyRewards.com/Terms and will be provided to you with your Disney Premier Visa Card once your new account is established.

 

Subject to credit approval. You will earn 5% total in Disney Rewards Dollars for each $1 spent on Qualifying Purchases (as defined below) made directly at DisneyPlus.com, Hulu.com, or plus.espn.com for (a) a Disney+, Hulu or ESPN+ monthly or annual subscription, or (b) the bundle subscription, or (c) additional Disney+, Hulu, or ESPN+ purchases, including Premier Access on Disney+, add-ons on Hulu, and pay-per-view events on ESPN+. For clarity, you will receive an additional 4% in Disney Rewards Dollars on top of the standard 1% for a total of 5% on these subscription purchases and additional Disney+, Hulu and ESPN+ purchases. Your purchase of any of these subscriptions or additional Disney+, Hulu or ESPN+ purchases will not earn an additional 4% in Disney Rewards Dollars if your purchase is made through a third-party device or digital platform (unless such device or platform redirects to DisneyPlus.com, Hulu.com or plus.espn.com for purchase) or as a bundle with cable services or as another bundle. Disney+, Hulu, and ESPN+ gift card and subscription card purchases that are purchased directly from DisneyPlus.com, Hulu.com or plus.espn.com will earn an additional 4% in Disney Rewards Dollars, but such gift card and subscription card purchases that are purchased from a point of sale location other than DisneyPlus.com, Hulu.com or plus.espn.com will not earn an additional 4% in Disney Rewards Dollars. You will earn 2% total in Disney Rewards Dollars for each $1 spent on Qualifying Purchases made at (i) Disney Locations in the U.S. and (ii) at a merchant in any of the following rewards categories: gas stations, grocery stores or dining at restaurants, including takeout and eligible delivery services. For clarity, you will receive an additional 1% in Disney Rewards Dollars on top of the standard 1% for a total of 2% on these Qualifying Purchases. You will earn 1% in Disney Rewards Dollars for each $1 spent on all other Qualifying Purchases. For important information about Chase rewards categories, see DisneyRewards.com/FAQs. (“Qualifying Purchases” means the amount of your retail purchases of goods and services minus returns or refunds that qualify for Disney Rewards Dollars in a billing cycle and do not include balance transfers, cash advances, cash-like transactions including, but not limited to: travelers checks, foreign currency, money orders, wire transfers, cryptocurrency, other similar digital or virtual currency and other similar transactions; lottery tickets, casino gaming chips, race track wagers or similar offline and online betting transactions; person-to-person money transfers and account-funding transactions that transfer currency, any checks that access your Card Account, interest, unauthorized or fraudulent charges, or fees of any kind, including an annual fee, if applicable.)

7Redeem Disney Rewards Dollars with Pay Yourself Back® for the Disney Premier Visa Card

Disney Rewards Dollars may be redeemed for a statement credit using Pay Yourself Back toward purchases made with your Disney Premier Visa Card at select U.S. Disney locations in Disney Parks and Resorts (for a list of Disney locations, visit DisneyRewards.com/Where-To-Redeem), Disney Store and outlet locations in the U.S., DisneyStore.com, and at DisneyPlus.com, Hulu.com and ESPNPlus.com, and airline purchases, excluding purchases made with third-party providers and travel agencies, within 90 days from the purchase date. Disney Rewards Dollars cannot be redeemed for a statement credit using a Disney Rewards Redemption Card. Categories, eligible merchants, and purchase transaction eligibility may change from time to time without notice. Even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category. Each Disney Rewards Dollar you redeem for a statement credit toward qualifying purchases with Pay Yourself Back is worth $1.00 (one U.S. dollar), which means that 1.00 Disney Rewards Dollar equals $1.00 in redemption value. Redemptions require a minimum of .01 Rewards Dollar and a maximum of 12 purchases and/or transactions selected in a single order. Statement credits will post to the card account within 3 business days of a request to redeem and will appear on the monthly Chase credit card billing statement within 1-2 billing cycles. Statement credits will reduce your balance, but you are still required to make at least your minimum monthly payment. Disney and Chase reserve the right to determine which Disney Premier Visa Card purchases qualify for a statement credit. Rewards Dollars redeemed for statement credits cannot be returned or re-deposited. Pay Yourself Back may be discontinued at any time. Disney Rewards Dollars are subject to the Disney Rewards Dollars Terms and Conditions for Disney Visa Credit Cards available at DisneyRewards.com/Terms.

8Dining Savings at Walt Disney World® Resort

Offer and offer elements including, but not limited to, participating locations and eligible food and beverages, are subject to availability, capacity limitations, closures, and additional restrictions and exclusions, may change or be canceled without notice, and are not guaranteed. Offer excludes alcoholic beverages, select new food and beverage offerings, merchandise, tobacco, room service, holiday buffets, tax and gratuity. Must use your valid Disney Visa Card and/or Disney Rewards Redemption Card at time of purchase for full amount of purchase. Discount valid at the following restaurant locations: Disney's Animal Kingdom Lodge & Villas: Boma – Flavors of Africa, Jiko – The Cooking Place (see restrictions), and Sanaa; Disney's Beach Club Resort: Beaches and Cream and Cape May Cafe; Disney's BoardWalk Inn & Villas: Flying Fish (see restrictions); Disney's Caribbean Beach Resort: Sebastian's Bistro; Disney's Contemporary Resort: Steakhouse 71; Disney's Coronado Springs Resort: Three Bridges Bar & Grill and Toledo – Tapas, Steak & Seafood; Disney's Grand Floridian Resort & Spa: Citricos (see restrictions), Grand Floridian Cafe, and Narcoossee's (see restrictions); Disney's Old Key West Resort: Olivia's Cafe; Disney's Polynesian Village Resort: Kona Cafe; Disney's Port Orleans Resort: Boatwrights Dining Hall; Disney's Saratoga Springs Resort & Spa: The Turf Club Bar and Grill; Disney's Wilderness Lodge: Whispering Canyon Cafe; Disney's Yacht Club Resort: Ale & Compass Restaurant and Yachtsman Steakhouse; Disney's Animal Kingdom® Theme Park: Tiffins; Disney's Hollywood Studios®: Roundup Rodeo BBQ, Sci-Fi Dine-In Theater Restaurant, and The Hollywood Brown Derby (see restrictions); EPCOT®: Biergarten Restaurant (see restrictions), Coral Reef Restaurant, Le Cellier Steakhouse, Rose & Crown Dining Room, and Spice Road Table; Magic Kingdom® Park: Crystal Palace, Diamond Horseshoe, Jungle Navigation Co. Ltd. Skipper Canteen, Liberty Tree Tavern, The Plaza Restaurant, and Tony's Town Square Restaurant. For locations where it is noted to see restrictions, the discount does not apply to the following dates: 11/27/2025, 12/25/2025, 12/28/2025, 12/29/2025, 12/30/2025, 12/31/2025, 1/1/2026, 1/2/2026, 2/13/2026, 2/14/2026, 2/15/2026, 4/3/2026, 4/4/2026 and 4/5/2026. Subject to restaurant availability, operating hours and closures. Reservations may be required. Not valid in combination with other offers, discounts or promotions. Separate Theme Park admission and Theme Park reservation may be required. Discount is for personal use only and may not be transferred or resold.

9Merchandise Savings at Disney Theme Parks & Resorts

Offer and offer elements including, but not limited to, participating locations and eligible items, are subject to availability, capacity limitations, closures, and additional restrictions and exclusions, may change or be canceled without notice, and are not guaranteed. Must use your valid Disney Visa Card and/or Disney Rewards Redemption Card as form(s) of payment at the time of purchase for full amount of purchase and mention this offer. Discount is not valid on previous purchases or on purchases of the following: ticket media, Disney Gift Cards, Theme Park admission, arcades, tobacco, alcohol, outdoor vending (e.g., in-Park balloon vendors, glow vendors), Add-a-Dollar (Disney Conservation Fund), postage stamps, rentals (e.g., strollers, ECVs), personalization, Lightning Lane Single Pass, Lightning Lane Multi Pass, Disney PhotoPass® purchases (e.g., purchases through any application, website or onsite sales location), Memory Maker and Memory Maker One Day, Capture Your Moment and other photo sessions requiring reservations, select print packages, original or consignment art, select limited editions, select collectibles, select specialized toys, select specialty items (including, without limitation, one-of-a-kind art, Disney-branded original art, celebrity memorabilia, framed Disney Dollars, Artist Sketch Program, framed Disney Gift Cards, framed ticket media, Walt Disney Classics Collection, handmade products (physically touched by an artist/vendor) and artist-signed Vinylmation), purchase-with-purchase offers, select reusable shopping bags, newspapers/periodicals, books, sundries, pantry/prepared foods, digital/video/disposable cameras, consumer electronics (including, without limitation, DVDs, CDs, and software media), national branded fragrances, treatments and cosmetics, Lladró®, Swarovski® Crystal, Tiffany & Co.® Jewelry, Bvlgari®, handmade items, special orders, live auction artwork, select product launches, select premium branded items, Bibbidi Bobbidi Boutique, Savi's Workshop – Handbuilt Lightsabers, and Droid Depot packages, phone, internet, email or mail order purchases, shipping or taxes. Discount is not available at games, Cast Connection, Disney's Character Premiere, Disney's Character Warehouse or Walt Disney World® Resort Operating Participant locations and any other locations or kiosks that are not owned or operated by the owners of the Walt Disney World® Resort, except for Arribas Brothers locations (Crystal Arts by Arribas Brothers, Crystal Arts stores and kiosks), Balocoloc Venetian Masks at La Gemma Elegante, Basin®, Basin White®, Chapel Hats, Columbia Sportswear Company, Crown & Crest, Good Fortune Gifts and House of Good Fortune, Joffrey's coffee/tea kiosks and Tea Traders Café by Joffrey's, Just Fun Socks, Levi's®, Luxury of Time, Sanuk, Shop for Ireland at Raglan Road™, Sperry, Stance, Sugarboo & Co., and Volcom. Not valid in combination with other offers, discounts or promotions. Separate Theme Park admission and Theme Park reservation may be required. Discount is for personal use only and may not be transferred or used to purchase merchandise with the intent to resell the merchandise.

10Guided Tour Savings at Walt Disney World® Resort

Offers and offer elements including, but not limited to, participating guided tours and recreation experiences, are subject to availability, capacity limitations, closures, and additional restrictions and exclusions, may change or be canceled without notice, and are not guaranteed. Must use your valid Disney Visa Card and/or Disney Rewards Redemption Card as form(s) of payment at time of purchase for full amount of purchase. Most guided tours require separate Theme Park admission and Theme Park reservation. Cardmember must participate in the guided tour or recreation experiences. Guided tours and recreation experiences can be booked for up to 10 total Guests (inclusive of the cardmember). Some guided tours and recreation experiences have age and other restrictions. Wild Africa Trek; block out dates 11/27/2025, 12/25/2025, 12/28/2025, 12/29/2025, 12/30/2025, 12/31/2025, 1/1/2026, 1/2/2026, 2/13/2026, 2/14/2026, 2/15/2026, 4/3/2026, 4/4/2026 and 4/5/2026. Not valid in combination with other offers, discounts, promotions or with any previous purchase. Guided tour and recreation experience reservations are for personal use only and may not be transferred or resold.

 

Following is a list of guided tours that are included:

Magic Kingdom®

Disney's Keys to the Kingdom Tour

EPCOT®

EPCOT® Seas Adventures – DiveQuest

Behind the Seeds

Disney's Animal Kingdom® Park

Caring for Giants

Up Close with Rhinos

Wild Africa Trek (block out dates apply)

Savor the Savanna: Evening Safari Experience

Multiple Theme Parks, Backstage Areas and Resort Hotels

Starlight Safari at Disney's Animal Kingdom Lodge

Wilderness Back Trail Adventure

 

Following is a list of recreation experiences that are included at Walt Disney World® Resort:

Carriage Rides at Disney's Port Orleans Resort and Disney's Fort Wilderness Resort & Campground

Horseback Trail Rides at Disney's Fort Wilderness Resort & Campground

 

Discounts are not available on the following tours at Walt Disney World® Resort: Premium VIP tours, programs exclusive to groups, group team building programs.

11$300 Disney Gift Card eGift with the Disney Inspire Visa Card

This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. Upon approval of your Disney Inspire Visa Card application, you will be sent your Disney Gift Card eGift via email within hours to any valid email address. The Disney Gift Card eGift can be used at select participating locations at Walt Disney World® Resort, Disneyland® Resort, Disney Cruise Line, Disney Store locations in the U.S., DisneyStore.com, and Adventures by Disney®. Disney Gift Card eGifts are redeemable for goods and services at participating Disney locations. Disney Gift Card eGifts are not refundable or redeemable for cash unless required by law. Disney Gift Card eGifts are not for resale. Disney Gift Card eGifts are issued by, and represents a legal obligation solely of, Disney Gift Card Services, Inc. Lost, damaged or stolen Disney Gift Card eGifts may be replaced only if original email and complete card number are provided. For Disney Gift Card eGift balance inquiries, call 1-877-650-4327 or visit DisneyGiftCard.com. For complete terms and conditions (including arbitration agreement), visit DisneyGiftCard.com. The value of this offer or program may result in miscellaneous income received from Chase and we may be required to send you, and file with the IRS, a Form 1099-MISC (Miscellaneous Information) or Form 1042-S (Foreign Person's U.S. Source Income Subject to Withholding) for the year in which you participate and are awarded the benefits of the offer/program. You are responsible for any tax liability related to participating in the offer/program. Please consult your own tax advisor if you have any questions about how this could affect your taxes. Chase is not responsible for the provision of, or failure to provide, the stated benefits and services. All trademarks are property of their respective owners. If your account is not open for at least 6 months, Chase and Disney reserve the right to cancel the Disney Gift Card eGift.

12$300 Statement Credit with the Disney Inspire Visa Card

This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. Offers may vary and may not be available through all application methods when applying for the Disney Visa Credit Cards. In some instances, an application may require additional time to process. To qualify and receive your $300 statement credit, you must make Purchases totaling $1,000 or more during the first 3 months from account opening. ("Purchases" do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. After qualifying, please allow up to 8 weeks for your credit to appear in your statement.

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