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Deciding whether to get a new credit card can be a tough decision, especially for travelers looking to save the most on their Disney vacations. The Disney Rewards Chase Visa credit card isn't our favorite card for Disney vacations, but when it comes to credit card perks, the Disney Visa perks are as good as a Disney fan will find.
The Disney Visa cards offered by Chase can be great cards if you know where to find their value. Every Disney traveler should at least consider adding this card to their wallet, as the savings it offers can really add up, especially if you're into Disney dining.
Here are the top Disney Visa perks that we think you need to know about.
1. Our Favorite Disney Visa Perk - 10% Off Dining at Select Disney Restaurants
You can use your Disney visa to get 10% off your meals at select Disney restaurants. Best of all, there are some good ones on the "select" list, including Narcoossee's, Jiko, Biergarten, Le Cellier, and more. Like the tour and merchandise discounts, this Disney Visa perk is nice because it is simple and immediate value from your card. That's money in the bank for every more Disney!
2. SPECIAL CHARACTER MEET AND GREETS
Not for everyone, but if you've got kids you can get short queues for premium characters. There are two of these meet and greets at each of Disney World and Disneyland, with both resorts have a Star Wars offering and a more standard offering. For many families, especially those operating on a tighter budget, the Disney Visa perks that come as straight discounts won't matter as much. We love this perk because it's something everyone can get value out of, regardless of how much they're spending!
3. 15% Off Select Guided Tours
Confession: I'm about $60 poorer because I didn't know about this perk. The Chase and Disney websites aren't in perfect accord about which tours are covered, so you'll want to call to check. But it seems like you'd be able to get 15% off some of the best tours - like Keys to the Kingdom and Backstage Tales. For a family of four, that would be $60 in savings just for a single tour!
ACCESS TO THE CHASE LOUNGE (FOOD & WINE FESTIVAL) This isn't a year-round perk, but during the Food & Wine Festival at Walt Disney World, your Chase card can get you access to a dedicated lounge. This benefit appears to actually be for all Chase cards, not just the Chase Disney Visa.
This perk has been discontinued as of the 2017 Food and Wine Festival. [Updated October 21, 2017]
5. Six-Month 0% Financing on Disney Vacations
You'll want to be very careful about how you use this perk, but it's undeniable that having six months to pay off Disney vacations without interest is a potentially awesome perk, especially when your other cards might be charging interest rates over 20%! Why do you have to be very careful? -- Because the terms and conditions are specific in what is covered. For instance, they specifically refer only to select "Disney vacation packages," so theoretically a non-package hotel stay could be excluded (indeed, I've had single nights at Walt Disney World resorts that were not covered by the 0% interest policy). Once you have the card, you'll be able to check your statement to track your 0% purchases.
6. 10% Off Select Disney Merchandise
The list of exclusions is a bit long, but if you're a Disney fanatic and spending lots on merchandise, 10% off can easily save you hundreds over the course of a year.
7. Access to VIP Packages on Broadway
When most of us think of Disney performances, we think of what goes on inside the parks, but some of Disney's best performances are actually on Broadway! An underrated Disney Visa perk is access to VIP packages at these shows. Unfortunately, this perk isn't applicable to all ticket prices, so you have to spend a bit more to use it.
8. Access to the Disney Rewards Program
While not strictly a perk, we don't want you to leave this article without knowing that the Disney Visa cards earn you points as part of the Disney Rewards Program. Disney Rewards Dollars can be spent at most U.S. Disney locations, including the theme parks.
And a Variety of Other Offerings
One of the nice things about the Chase Disney Visa is that Disney continually introduces new perks. You'll see special cardholder-only room and package discounts (typically only 5% more than the current discount offerings, or just early access to an upcoming deal). You'll also see exclusive events, like those recently offered at the Food & Wine festival. You can find a full listing of the perks over at the Disney Rewards website.