Disney® Visa® Card: 570+ Credit Score Needed
- Lucrative signup bonus
- Earn 1% in Disney Rewards Dollars on all purchases
- Choose your favorite Disney card design
- No annual fee
Is it hard to get a Disney credit card?
Yes, the Disney Premier Credit Card will do a hard pull. You will need a credit score of at least 700 to get it and there is no way to get pre-approved. A hard pull usually causes an applicant's credit score to drop by 5-10 points.
Are the Disney Visa credit cards worth it?
Yes, a Disney credit card can build credit. Chase, the card issuer, reports card activity to the three consumer credit bureaus. By using a Disney credit card and following good credit habits, such as paying on time, you can increase your credit score.
What are advantages of using a Disney Visa credit card?
What are advantages of using a Disney Visa credit card? Disney Vacations. Cardholders can enjoy benefits at Walt Disney World Resort,Disneyland Resort,Disney Cruise Line and other U.S. Shopping. Cardholders save 10% off every day on select purchases at Disney store locations and also save 10% on select purchases at shopDisney.com. Entertainment.
Does opening a credit card hurt your credit score?
Per FICO, opening a new credit card account can impact your credit score in two primary ways. First, the card issuer will likely pull your credit report as part of their review process.
Is it hard to get approved for a Disney credit card?
Yes, the Disney Premier Credit Card will do a hard pull. You will need a credit score of at least 700 to get it and there is no way to get pre-approved.
What bank is Disney credit card?
JPMorgan Chase Bank, N.A.Disney Visa Credit Cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Offer subject to change. 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.
What credit score do you need for Chase Slate?
670 or greaterSimilar to most balance transfer cards, the Chase Slate requires good credit or excellent credit (scores 670 or greater). Keep in mind, even if your credit score falls within the good or excellent range, there is no guarantee you'll be approved for the Chase Slate.
What is the starting credit limit for Chase Freedom?
Here's why: The Chase Freedom Unlimited® offers a $500 minimum credit limit, but the limit is at least $5,000 if you're approved for the Visa Signature® version of the card. Beyond those minimum limits, this card offers plenty of opportunities to earn cash back.
How many credit cards should a person have?
It's generally recommended that you have two to three credit card accounts at a time, in addition to other types of credit. Remember that your total available credit and your debt to credit ratio can impact your credit scores. If you have more than three credit cards, it may be hard to keep track of monthly payments.
How many credit cards are too many?
How many credit accounts is too many or too few? Credit scoring formulas don't punish you for having too many credit accounts, but you can have too few. Credit bureaus suggest that five or more accounts — which can be a mix of cards and loans — is a reasonable number to build toward over time.
What is the easiest Chase card to get approved for?
Chase Freedom® Student credit cardThe easiest Chase credit card to get is the Chase Freedom® Student credit card because applicants can get approved with limited credit. This means the odds of approval are good even for people who are new to credit, making the Chase Freedom® Student credit card much easier to get than other Chase credit cards.
What credit score do you need for a Amazon credit card?
You must have a good credit score of at least 670 to be considered for either of the co-branded Amazon Signature Visa cards. Amazon also offers two store-only cards that are not credit cards and can only be used for purchases on Amazon.
What credit score is needed for a American Express card?
a 670 scoreAccording to the score ranges from FICO, that means American Express applicants typically have at least a 670 score: Exceptional. 800 and above.
What credit limit can I get with a 750 credit score?
$1,000-$15,000The credit limit you can get with a 750 credit score is likely in the $1,000-$15,000 range, but a higher limit is possible. The reason for the big range is that credit limits aren't solely determined by your credit score.
What credit limit can I get with a 700 credit score?
“In the 700 club, your credit limit will likely be close to the average credit limit for a newly issued card, about $5,000,” says Ted Rossman, senior industry analyst at Bankrate. “That limit can vary based on income and other debt.”
How do I get a 50k credit limit?
In order to have a better chance of getting the highest credit card limit possible in your situation, you should make sure to always pay bills on time, use 30% or less of your available credit, pay down your debts, save money for the future, and otherwise make good financial decisions.
Where can I use my Chase Disney credit card?
Once you receive your credit card by mail, you can use your Disney® Visa® Card anywhere Visa credit cards are accepted. Learn how to earn Disney Rewards Dollars and turn everyday purchases into lasting memories.
What credit agency does Chase use?
ExperianThe credit bureau Chase uses for approval is mainly Experian, according to customer service. However, it's possible for Chase to use any of the three major credit bureaus to evaluate credit card applications for approval: Experian, TransUnion and/or Equifax.
How does the Chase Disney card work?
Individuals who use the Chase Disney credit cards for eligible purchases earn Disney Rewards Dollars on their purchases at a rate of 1 or 2 Disney "cents" per dollar spent. Specifically: Disney Rewards Visa cardholders earn 1% back in Disney Rewards Dollars on all purchases.
How does Chase Disney credit card work?
Chase offers two Disney-branded credit cards that let cardmembers buy tickets to Disney Theme Parks using points. The Disney® Visa® Card and the Disney® Premier Visa® Card both offer Disney Rewards Dollars on all your card purchases, which you can redeem on just about any Disney purchase, including Disney Resort stays.
What is the minimum credit score for a Disney visa?
Wow! That's an interesting site! I looked up "Disney Visa" and didn't specify a state. Looks like minimum score approved is 608 w /no neg on report. Interesting that a person with a score of 753 only got a 2000 credit limit?? Perhaps they have a lot of open, revolving credit.
Is credit score a factor in Chase approval?
Really, the credit score isn't the only factor in determining approval. There is income to consider, job stability, etc. I think it was on Chase's website where I've read the requirements for approval for the card. I just logged on and checked and as expected - the requirements vary considerably based on your credit. They are advertising A variable APR, currently as low as 14.24%" and I know for a fact that my interest rate is set at 9.9 fixed right now.
How to qualify for Disney financing?
To qualify for the financing, you or your travel agent must book through the Walt Disney Travel Company, Disney Cruise Line or Adventures by Disney Travel Services and prepay for the package with your Disney Visa Card before you start your vacation.
What is the APR for Disney Visa?
As a Disney Visa Card holder, you qualify for a special 0% Intro APR on purchases for 6 months on select Disney vacation packages, then a standard APR of 15.99% Variable APR on purchases and balance transfers applies. Certain Disney Resort packages, all Adventures by the Sea packages, Aulani and Disney Cruise Line packages qualify for the special rate.
How much is Disney merchandise discount?
Merchandise Discounts. Discounts at Disney theme parks and resorts, the Disney Store and shopDisney.com: Receive a 10% discount on purchases of at least $50 made with your Disney Visa Card or Disney Rewards Dollars at the Disney Store or at participating shopping locations at Disney parks and resorts.
How much does a Disney Premier card cost?
The Disney Premier Card also comes with an annual fee of $ $49. The card also earns 2% back on purchases made in the following categories: gas stations, grocery stores, restaurants, and on most Disney purchases. However, the most notable difference is the redemption aspect.
How many Disney Rewards do you get for every $100 you spend?
Rewards are earned in the form of Disney Rewards Dollars, and for every $100 you spend on the card, you’ll earn 1 Dis ney Reward Dollar to redeem toward Disney goods and services. That sounds like a problem-free philosophy, right?
How many Disney credit cards does Chase have?
Chase issues two Disney credit cards: the Disney Visa Card and the Disney Premier Visa Card. How are the cards different?
What credit card gives you 2% cash back?
Perhaps, a more flexible and a more rewarding credit card for cash back lovers is the Citi® Double Cash Card. The credit card earns 2% cash back on every single purchase you make: 1% when the statement closes and another 1% when you pay off the balance.
How much is the Disney Premier Visa card?
This will more than offset the $49 annual fee that comes with the card, at least for the first year.
How many Disney Rewards dollars can you redeem?
The process for redeeming Disney Rewards Dollars is a bit convoluted. Once you have at least 20 Disney Rewards Dollars, you can order a Disney Disney Rewards Redemption Card. The Disney Rewards Redemption Card works in a similar fashion to a prepaid debit card, but is only good in certain locations.
What is a Disney Premier Visa?
The Disney® Premier Visa® Card * offers the bare necessities for those who love all things Disney. Instead of cash back, the Disney Premier card earns Disney Reward Dollars which can only be spent at a limited number of Disney-themed locations. Because of this and the unmagical earnings rate, the Disney Premier Visa card is probably only best for the supercalifragilistic Disbonusney fan.
What is 10% off Disney?
10% Off Select Disney and Star Wars Purchases: Discounts on merchandise at Disney Store, ShopDisney.com, and certain theme park outlets. Exclusions apply, most notably on theme park tickets.
Can you redeem Disney Rewards Dollars at Disney Stores?
Disney Rewards Dollars can be redeemed at most Disney locations, including Disney stores, theme park tickets, resort stays and more. The process for redeeming Disney Rewards Dollars is a bit convoluted. Once you have at least 20 Disney Rewards Dollars, you can order a Disney Disney Rewards Redemption Card. The Disney Rewards Redemption Card works in a similar fashion to a prepaid debit card, but is only good in certain locations. You can reload your Rewards Redemption card at any time with a minimum of 10 Disney Rewards Dollars.
Does the Disney Premier Visa card earn cash back?
Rather than earning cash back, the Disney Premier Visa card earns Disney Rewards Dollars.
Does Disney Visa have a fee?
The Disney® Visa® Credit Card is Chase and Disney’s no-annual-fee card. It only earns 1% in Disney Rewards Dollars on all card purchases. Cardholders of the $0-annual-fee Disney Visa Rewards card do not have the ability to redeem Disney Rewards Dollars as an airline statement credit.
How much is the Disney Premier credit card?
Initial Bonus: The Disney Premier Credit Card offers $300 for spending at least $1,000 within 3 months. The Disney Rewards Credit Card gives you $150 after spending $500 in the first 3 months from account opening. Ongoing Rewards: Premier gives you 2% back on Disney purchases as well as gas, groceries and dining out, plus 1% back on everything else.
How much money do you get back on a Disney credit card?
Up To 2% Back On Purchases: Perhaps the most underrated aspect of the Disney Credit Card is the extent to which it rewards you in important everyday spending categories. More specifically, you will earn the “Rewards Dollar” equivalent of 2% cash back not only on Disney purchases but also on purchases made at gas stations, grocery stores and restaurants.For the average person — who spends a collective $9,213 in these categories each year, according to data from the Bureau of Labor Statistics — this 2% earning rate would yield about $184 in free Disney goodies annually. And when you factor in the 1% on all other purchases — $19,310 per year for the average person — as well as the $49 annual fee, the earnings grow to $328.
How much foreign transaction fee does Disney charge?
3% Foreign-Transaction Fee: While the credit-card market increasingly distances itself from foreign-transaction fees — with the average falling by nearly 7% in the past year to 1.46% — the Disney Credit Card has not joined the party. Its 3% foreign fee is therefore reason enough not to use it when traveling abroad or making purchases through internationally based merchants.
How long does Disney Rewards last?
Instead, you have to order a Disney Rewards Redemption Card, wait two to three weeks for it to arrive and load your earnings onto it through your online account. Then you can spend your money. Finally, it’s worth noting that Reward Dollars expire 60 billing periods (i.e. five years) after they are earned.
How long is 0% APR on Disney Vacation Club?
0% promotional APR for 6 months on select Disney vacation packages or purchase of a real estate interest, including a Member Add On, in a Disney Vacation Club® Resort. Terms Apply.
How much is the balance transfer fee on Disney?
5% (min $5) Balance-Transfer Fee: The Disney Card’s lack of a 0% introductory balance-transfer APR should be enough to discourage you from using this plastic for such a transaction. But if that’s not enough, the presence of an additional 5% (min $5) surcharge should do the trick.
What is the APR of Disney?
Below-Average Regular APR: The Disney Card’s standard interest rate is 15.99% (V), which is below the 19.41% market average for people with good credit but is still expensive. As a result, you should avoid carrying a balance from month to month when using this card.
Most helpful positive review
I applied for this card with a 631 (Equifax) and 604 (TransUnion) and got a pending response. A minute later, a rep called to confirm my application, and I was approved for $1200! Seeing as I'm moving back to Orlando to work at Disney World again, this was a huge bonus for me. So looking forward to maintaining my credit with this card!
Most helpful negative review
Used this card to card to charge over $1300 the first month. Paid the balance off before the next month. Weeks later it did not work when I went to buy AAA tickets. Said I had plenty of money and I paid off. Rude woman in custmer service would not talk on phone without asking question I never gave them the answer to.
All member reviews (18)
This card is fantastic for Disney lovers as the discounts really add up if you don't own an annual pass. My wife already has one and I was browsing cruises and while going through the booking process was prompted to apply with an offer of $200 statement credit after initial $500 spend in first 3 months.
What is the minimum credit score for Freedom Unlimited?
Chase Freedom Unlimited® credit card is a cash back card with no annual fee. We found references that pegged the minimum score to be around 680, but one source had a low score of 636.
What is the minimum credit score for Southwest Rapid Rewards?
However, we expect it to have a lower minimum requirement than the 607 found for the middle sibling, the Southwest Rapid Rewards® Premier. That would put this card’s required minimum score at about 600, and perhaps lower.
What is the minimum credit score for Chase Sapphire Reserve?
As such, it’s not surprising to find that its minimum credit score is in the 660 to 670 range.
What to do if your credit score is poor?
If your score is poor, you may want to first obtain another card to help build your credit before applying for this card .
What is the best credit score for Chase Sapphire?
It is geared to consumers having good to excellent credit scores, with an average score of 736 among cardholders. However, scores in the fair range, as low as 646, have been reported.
How many months does Chase have to approve a credit card?
Like all Chase cards, this one observes the 5/24 application rule, which limits approvals (with some exceptions) if you’ve opened 5 or more credit cards from any bank in the past 24 months.
How much back does Southwest credit card earn?
Cardholders also earn 20% back on in-flight Southwest purchases with the Priority card.
How much are Disney Rewards Dollars worth?
Disney Rewards Dollars are worth $1 each — when redeemed toward eligible goods or services. So, first, the good news about what qualifies there: With the Premier version of the card, you can use your Disney Rewards Dollars as a statement credit toward airline travel. Redemptions start at 50 Disney Reward Dollars for a $50 airline statement credit.
How much does a Disney card save?
The savings here can be significant. For example, a one-day Ultimate Day of Thrills VIP Tour can cost up to $349 per person before tax, which means cardholders would save about $52.
How many Disney Rewards do you need to reload a Chase card?
Once you've accumulated a minimum of 20 Disney Rewards Dollars, you can contact Chase and order a Disney Rewards Redemption Card, which functions similarly to a prepaid card but can be used only on qualifying purchases. You can either wait for the card to be mailed to you or pick it up from Guest Relations at a Disney theme park. You need to have earned at least 10 Rewards Dollars to reload the card.
How to redeem Disney Rewards?
And for those options, the rewards redemption process is clunky: 1 Once you've accumulated a minimum of 20 Disney Rewards Dollars, you can contact Chase and order a Disney Rewards Redemption Card, which functions similarly to a prepaid card but can be used only on qualifying purchases. You can either wait for the card to be mailed to you or pick it up from Guest Relations at a Disney theme park. You need to have earned at least 10 Rewards Dollars to reload the card. 2 The Disney Rewards Dollars expire after five years, which means if you were hoping to accumulate a stash of points over time to pay for a Disney trip, you'd better make sure you do it within that time frame.
How long do Disney Rewards last?
The Disney Rewards Dollars expire after five years, which means if you were hoping to accumulate a stash of points over time to pay for a Disney trip, you'd better make sure you do it within that time frame.
Which is better, a Disney card or a cash back card?
The cards offer some fan perks, but a general-purpose cash-back or travel card will likely be a better choice in terms of financing a Disney vacation.
Why should every purchase be on a credit card?
by Virginia C. McGuire, Paul Soucy. Credit cards are convenient and secure, they help build credit, they make budgeting easier, and they earn rewards. And no, you don't have to go into debt, and you don't have to pay interest.