Disney® Visa® Credit Card Review

Disney® Visa® Credit Card is a store credit card issued by Chase Bank. If you're wondering whether Disney® Visa® Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

• Earn 1% cash back on everyday purchases.
• Signup bonus. Offers a signup bonus of $50.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 17.49%
• No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. Disney® Visa® Credit Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
• Multiple credit card benefits. Includes generous credit card perks, such as extended warranty protection on purchases, purchase protection, and fraud protection.
• Good or better credit required. You should probably try with another card if your credit score is below 700.

Disney® Visa® Credit Card Pros and Cons:

The Good	The Bad
Get a $50 statement credit after first purchase with a new Disney Visa Credit Card No annual fee. Multiple credit card perks. Extended warranty on purchases. Free access to your credit score. Earn rewards on every purchase. Disney® Visa® Credit Card reports to multiple credit bureaus.	Has foreign transaction fees. Higher than average purchase APRs. Requires good to excellent credit. Does not offer rewards or cash back. Charges a foreign transaction fee of 3%. Charges a 3% balance transfer fee.

Is there a Disney® Visa® Credit Card cash back or rewards program?

No, Disney® Visa® Credit Card does not offer a rewards program.

What are the Disney® Visa® Credit Card benefits?

Disney® Visa® Credit Card provides the following benefits:

• Free Credit Score
• Extended Warranty Protection
• Zero fraud liability
• No blackout dates when redeeming miles
• ID Theft Protection
• Reports to major credit bureaus

What are the relevant APRs for Disney® Visa® Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Disney® Visa® Credit Card has higher than average purchase APRs.

Disney® Visa® Credit Card has a variable purchase APR of 17.49%. The card has a variable balance transfer APR of 17.49% . It also has a variable cash advance APR of 26.49% .

What are the fees for Disney® Visa® Credit Card?

The following fees apply to Disney® Visa® Credit Card:

Disney® Visa® Credit Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	3%
Returned Payment Fee	up to $37
Late Payment Fee	$15 - $37

Does Disney® Visa® Credit Card report your account activity to credit bureaus?

Disney® Visa® Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

How to apply for Disney® Visa® Credit Card

• Visit the Disney® Visa® Credit Card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.
• If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.