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The Best Disney® Visa® Credit Card for Your Next Disney Cruise Line Vacation

April 25, 2022

There’s a whole ocean of possibilities for amazing getaways with Disney Cruise Line, especially when you have the best Disney Visa Credit Card for making the most of your experience. There are so many Disney cruises to choose from—including the newest liners, the Disney Destiny and the Disney Adventure, offering itineraries in North America and Asia, respectively. And the Disney® Inspire Visa® Card, the Disney® Premier Visa® Card and the Disney® Visa® Card are the perfect options to bring along for the fun, no matter which voyage you choose. Before you hit the high seas, learn about all the Disney Cruise Line benefits each card offers, then check out Which Disney Visa Credit Card Fits You Best? for more information on which card you should choose. Anchors aweigh!

Disney Visa Credit Card Benefits on Disney Cruise Line

1. Earn Bonus Offers on Your Disney Getaways

Planning your next voyage should feel almost as exciting as setting sail. With the Disney Vacation Reward, exclusively available with the Disney Inspire Visa Card, even the early steps toward your Disney Cruise Line adventure feel a little more rewarding. Disney® Inspire Visa® Cardmembers can earn 200 bonus Disney Rewards Dollars per anniversary year for Disney Resorts and Disney Cruise Line card purchases over $2,000.1 As you picture sunny days at sea and unforgettable destinations, the Disney Vacation Reward adds extra value while your cruise adventure takes shape!

2. Special Vacation Financing

When you book a qualifying Disney Cruise Line vacation package with any of the Disney Visa Credit Cards, you can take advantage of special vacation financing.2 You can select the ideal package for you, which could include a variety of options at dream destinations around the globe and special extras like wedding and honeymoon ceremonies, added hotel stays at Walt Disney World® Resort or a port of call and more!

Cruise by the beach

3. 10% Savings on Non-Discounted Disney Cruise Line Digital Photo Packages

You can receive 10% off the non-discounted price of 10-photo, 15-photo, 20-photo or all-inclusive Disney Cruise Line digital photo packages with any of the Disney Visa Credit Cards.34 You can capture candid moments, custom studio-quality portraits and photos at landmarks all over the ship to preserve some truly epic memories.

4. 10% Savings on Select Merchandise Purchases

Another great way to bring memories ashore is to pick up souvenirs from your cruise, like plush towels, cozy robes and collectibles such as toys and pins to commemorate your vacation.
Using your Disney Visa Credit Card gets you 10% off select purchases onboard.35

Girls on the beach

5. 20% Savings on Select Onboard Spa Treatments

The Senses Spa & Salon soothes Guests from head to toe, offering rejuvenation and beautifying services for adults, couples and teens ages 13 to 17 (when accompanied by a parent or guardian). You can save 20% on a non-discounted massage or facial service aboard Disney Cruise Line ships on port day when you purchase with your Disney Visa Credit Card.36

Spa

6. Redeem Disney Rewards Dollars Toward Fun Extras

When you’ve earned Disney Rewards Dollars and you’re ready to use them, you can redeem toward all sorts of experiences and enhancements on your Disney Cruise Line vacation—from souvenirs and excursions to room upgrades and at the adult-exclusive restaurants Palo (aboard all ships) and Remy (aboard the Disney Dream and Disney Fantasy). Disney Rewards Dollars can also be combined with other forms of payment, as well as being combined with the other savings mentioned earlier in our list.7

Palo Restaurant

Get ready to set sail on the best Disney Cruise Line vacation ever with the Disney Inspire Visa Card, the Disney Premier Visa Card or the Disney Visa Card, since all offer helpful benefits for Disney fans. Remember to check out the Card Designs page for all the details and to find the card that is right for you.8 Bon voyage!

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

1200 Disney Rewards Dollars on U.S. Disney Resort Spend Each Anniversary Year

You will receive 200 Disney Rewards Dollars automatically applied to your account after $2,000 in Qualifying Purchases each Anniversary Year. Qualifying Purchases are when you use your Disney Inspire Visa Card for U.S. Disney Resort purchases made directly with Disney (including through Disney operated websites, apps or call centers) for Disney Resorts Collection at Walt Disney World® Resort, Disneyland® Resort Hotels, AULANI Resort, Disney’s Hilton Head Island Resort and Disney’s Vero Beach Resort. Qualifying Purchases include Resort hotel rates (including associated taxes and fees) and folio expenses and Resort vacation package purchases (including Theme Park tickets purchased as part of a vacation package). Qualifying Purchases also include Disney Cruise Line stateroom rates booked directly with Disney Cruise Line in U.S. Dollars (which includes associated taxes and fees but excludes folio expenses and port adventures). Purchases made for Adventures by Disney, National Geographic Expeditions or international Disney Resorts or Parks will not qualify. Purchases of Disney Theme Park tickets (unless purchased as part of a Disney vacation package) also do not qualify. "Anniversary Year" means the year beginning with your credit card account open date through the anniversary of your credit card account open date, and each 12 months after that. For accounts that switch to the Disney Inspire Visa Card, the account open date is the date the switch is official in the Chase system. Please allow 6 to 8 weeks after Qualifying Purchases post to your account for the Disney Rewards Dollars to post to your account. The 200 Disney Rewards Dollars will be issued for the Anniversary Year in which the transaction posts to your account. For example, if you make a Qualifying Purchase, but the transaction does not post until after your current Anniversary Year ends, the cost of the purchase will be allocated toward the following Anniversary Year's Disney Rewards Dollar bonus.

2Special 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.

3Savings Onboard Disney Cruise Line

Offer and offer elements are subject to availability, capacity limitations, cruise cancellations, and additional restrictions, may change or be canceled without notice, and are not guaranteed. In order to receive special Disney Cruise Line perks, valid Disney Visa Card must be designated for all onboard purchases at time of purchase for sailings through 12/31/26. Cannot be combined with any other offers or discounts including Cast Member, Castaway Club, and Disney Vacation Club® offers or discounts, and is for personal use only. Ships' Registry: The Bahamas. Chase is not responsible or liable for fulfillment of this offer.

4Digital Photo Package Savings Onboard Disney Cruise Line

10% off a non-discounted digital photo package. Offer and offer elements are subject to availability and additional restrictions, and may change or be canceled without notice. Valid only on 10-photo, 15-photo, 20-photo, and all-inclusive digital photo packages. Not valid for other photo purchases such as photo books, retail items, printed photos, folio packages or Shutters Portrait Studio. In order to receive special Disney Cruise Line perks, valid Disney Visa Card must be designated for all onboard purchases at time of purchase for sailings through 12/31/26. Cannot be combined with any other offers or discounts including Cast Member, Castaway Club, and Disney Vacation Club® offers or discounts, and is for personal use only. Ships’ Registry: The Bahamas. Chase is not responsible or liable for fulfillment of this offer.

5Merchandise Savings Onboard Disney Cruise Line

10% off select merchandise purchases. Offer and offer elements are subject to availability, capacity limitations, cruise cancellations, and additional restrictions, may change or be canceled without notice, and are not guaranteed. Discount is not valid on previous purchases or on purchases of Port Adventures (Excursions), photos and photo packages, trunk shows, fine jewelry and timepieces, Disney Gift Cards, tobacco, alcohol, Add-a-Dollar (Disney Conservation Fund), postage stamps, original or consignment art, select limited editions, select specialty items, purchase-with-purchase offers, newspapers/periodicals, DVDs, CDs, sundries, kitchen production/prepared foods, digital/video/disposable cameras, consumer electronics, National branded fragrances, treatments and cosmetics, select collectibles, handmade items, Bibbidi Bobbidi Boutique, themed experiences (e.g., Royal Court, Royal Tea), shipping or taxes, or on phone, email, online or mail order purchases, or at merchandise locations located at Disney Castaway Cay. In order to receive special Disney Cruise Line perks, valid Disney Visa Card must be designated for all onboard purchases at time of purchase for sailings through 12/31/26. Cannot be combined with any other offers or discounts including Cast Member, Castaway Club, and Disney Vacation Club® offers or discounts, and is for personal use only. Ships' Registry: The Bahamas. Chase is not responsible or liable for fulfillment of this offer.

6Spa Savings Onboard Disney Cruise Line

20% off select spa treatments and services. Offer and offer elements are subject to availability, capacity limitations, cruise cancellations, and additional restrictions, may change or be canceled without notice, and are not guaranteed. Valid for non-discounted massages or facial treatments on port days only. In order to receive special Disney Cruise Line perks, valid Disney Visa Card must be designated for all onboard purchases at time of purchase for sailings through 12/31/26. Reservations may be required. Cannot be combined with any other offers or discounts including Cast Member, Castaway Club, and Disney Vacation Club® offers or discounts, and is for personal use only. Ships' Registry: The Bahamas. Chase is not responsible or liable for fulfillment of this offer.

7Disney 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.

8Card Designs

Card designs are subject to availability and may change without notice. Selection of a new card design does not automatically deactivate your previous card. Your previous card remains activated upon the selection of a new card design, until the expiration date of the previous card, unless otherwise requested by you to Chase.

9$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.

10$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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