CH
Chase · Visa

Disney® Visa® Card

Co-branded Standard $150 Bonus
$0 Annual Fee
18.24%–27.74% Variable Purchase APR
150 Welcome Bonus
670+ Recommended FICO
Cash Back Reward Type
Browse Cards Chase Disney® Visa® Card

Welcome Bonus

$150
Welcome Bonus
Spend $500 in the first 90 days
Bonus Posted $100 Disney Gift Card eGift loaded instantly upon approval; $50 statement credit posted within 6–8 weeks after $500 in qualifying purchases in the first 3 months from account opening

Rewards

Reward TypeCash Back
Base Rate1x / 1%
Bonus RateUp to 1x
Point Value~0.01¢ each
ExpirationDisney Rewards Dollars do not expire as long as the card account remains open and in good standing; Disney Rewards Dollars accumulated on a Redemption Card do not expire
Redemption NotesDisney Rewards Dollars can only be redeemed toward Disney-related purchases (theme park tickets, resort stays, Disney Cruise Line, merchandise, dining, and Disney streaming at most U.S. Disney locations) and select airline purchases via Chase Pay Yourself Back; they cannot be transferred to Chase Ultimate Rewards, airline miles, or hotel points, and cannot be redeemed for general cash back or non-Disney purchases. Disney Rewards Dollars are tracked on a separate Disney Rewards Redemption Card which must be presented or provided at time of redemption.
CategoryRateTypeCap
All Purchases
Flat 1% in Disney Rewards Dollars on every purchase with no category restrictions, bonus categories, or annual cap. Excludes balance transfers, cash advances, fees, and other non-purchase transaction types.
1x Cash Back No cap

Benefits & Protections

Purchase Protection
Extended Warranty
BenefitCategoryValue / Coverage
DoorDash Quarterly Non-Restaurant Credit
DashPass members receive up to $10 off per quarter on one qualifying non-restaurant order on DoorDash using the enrolled card at checkout, through December 31, 2027. The discount does not roll over if unused in a quarter.
Credits Up to $10/quarter ($40/year)
Up to $40
Welcome Bonus — $50 Statement Credit
Earn a $50 statement credit after spending $500 on purchases within the first 3 months of account opening. Credit posts within 6–8 weeks of meeting the spend requirement.
Credits $50 statement credit
Up to $50
0% Promotional APR on Select Disney Vacation Packages
Receive 0% promotional APR for 6 months from the date of purchase on eligible Disney vacation packages (Disney Resort packages, Adventures by Disney, National Geographic Expeditions, Aulani vacation packages, and Disney Cruise Line packages) booked through qualifying Disney channels. After the promotional period, the standard variable APR applies.
Financial 0% APR for 6 months on eligible Disney vacation packages
Chase Pay Over Time® (My Chase Plan)
Eligible cardmembers can split purchases of $100 or more into equal monthly payments with a fixed monthly fee and no interest, with plan durations ranging from 3 to 24 months.
Financial Flexible installment payments
No Annual Fee
The Disney Visa Card carries no annual fee, providing permanent no-cost access to Disney card perks and Disney Rewards Dollars.
Financial $0 annual fee
Up to $0
Auto Rental Collision Damage Waiver
Decline the rental company's collision insurance and charge the entire rental cost to the card for reimbursement of theft and collision damage for most rental vehicles. Coverage is secondary to personal insurance in the U.S.
Insurance Secondary CDW coverage
Extended Warranty Protection
Extends the time period of the U.S. manufacturer's warranty by an additional year on eligible warranties of three years or less, up to four years from the date of purchase.
Insurance 1 additional year of warranty
Purchase Protection
Covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $500 per item. New York residents are limited to a 90-day coverage period.
Insurance Up to $500 per item
Up to $500
Complimentary DashPass Membership (DoorDash & Caviar)
Receive 12 months of complimentary DashPass membership for both DoorDash and Caviar, providing $0 delivery fees and reduced service fees on eligible orders, when activated for the first time with this card between February 1, 2025 and December 31, 2027. After the complimentary period, auto-enrollment at the then-current monthly rate applies.
Lifestyle 12 months complimentary
Exclusive Character Photo Opportunities at Disney Parks
Cardmembers have access to exclusive photo opportunities with Disney characters at Walt Disney World Resort and Disneyland Resort, subject to availability.
Lifestyle Complimentary exclusive access
Choice of Disney Card Designs
Cardmembers can choose from multiple exclusive Disney Visa card designs featuring beloved characters across the Disney card portfolio.
Other Multiple card art options
1% Disney Rewards Dollars on All Purchases
Earn 1% in Disney Rewards Dollars on every purchase with no category restrictions or caps. Disney Rewards Dollars are tracked separately on a Disney Rewards Redemption Card.
Rewards 1% Disney Rewards Dollars
Disney Rewards Dollars — Pay Yourself Back for Airline Purchases
Cardmembers can redeem Disney Rewards Dollars as a statement credit toward airline purchases made directly with the airline using the Disney Visa Card via Chase Pay Yourself Back.
Rewards Statement credit toward airline purchases
Welcome Bonus — $100 Disney Gift Card eGift
New cardmembers receive a $100 electronic Disney Gift Card instantly loaded upon card approval with no minimum spend required. The Gift Card is only awarded to new cardmembers at the time of approval.
Rewards $100 Disney Gift Card eGift
Up to $100
Contactless Tap to Pay
The card supports contactless payment technology for fast and secure checkout wherever the Contactless Symbol is displayed.
Security Complimentary
Zero Liability Protection
Cardmembers are not held responsible for unauthorized charges made with their card or account information when reported promptly to Chase.
Security Complimentary
10% Off Select Merchandise at Most U.S. Disney Locations
Cardmembers receive 10% off select merchandise purchases at most U.S. Disney Parks and Resort locations and select Disney Cruise Line sailings (through December 31, 2026) when using the Disney Visa Card and/or Disney Rewards Redemption Card as the form of payment.
Shopping 10% off select merchandise
10% Off Select Dining at Participating Disney Restaurant Locations
Cardmembers receive 10% off select dining at a list of participating Walt Disney World Resort and Disneyland Resort restaurant locations when paying with the Disney Visa Card and/or Disney Rewards Redemption Card.
Travel 10% off select dining
Exclusive Disney Cruise Line Perks
Cardmembers who designate the Disney Visa Card for all onboard purchases on eligible sailings receive special Disney Cruise Line cardmember perks, subject to availability and restrictions through December 31, 2026.
Travel Complimentary onboard perks
Spend Instantly — Digital Wallet Access
Upon approval, cardmembers can immediately add their new card to Apple Pay, Google Pay, or Samsung Pay for instant use before the physical card arrives.
Travel Instant card access

Interest Rates

Purchase APR18.24%–27.74% Variable
Balance Transfer APR27.74%
Cash Advance APR29.99%
Penalty APR29.99%

Fees

Annual Fee $0 — No Annual Fee
Authorized User FeeFree
Foreign Transaction Fee3%
Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater
Cash Advance FeeEither $10 or 5% of the amount of each transaction, whichever is greater
Late Payment FeeUp to $40
Returned Payment FeeUp to $40

Approval & Eligibility

670 Recommended minimum FICO · Range 670–850
300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional
Approval DifficultyEasy
Credit ProfileGood
Approval OddsGood
Decision TimeInstant
Pre-QualificationAvailable (no hard pull)
Student EligibleYes
Co-ApplicantNot allowed
Business EligibleYes
Credit Limit Range $500 – No limit listed

Issuer Rules & Restrictions

Maximum Cards per Issuer
You can hold up to 5 cards from this issuer simultaneously.
Shutdown Risk Triggers
Manufactured spending, excessive cash advances, too many Chase applications in a short period, returned payments, suspected fraudulent activity, cycling credit limits, misuse of the Disney Rewards program
Cliff Effect Rules
The Disney Visa, Disney Premier Visa, and Disney Inspire Visa are treated as separate products for bonus eligibility — each card's 24-month new cardmember bonus rule applies independently. No officially published rule prevents a cardmember from holding more than one Disney Visa family card simultaneously. The Disney Visa is commonly used as a product-change destination for cardmembers who downgrade from the Disney Premier Visa after earning that card's welcome bonus, which is a widely used community strategy to preserve credit history while avoiding the $49 annual fee.
International Friendly
May have limitations for international use.
Additional Issuer Rules
Chase enforces an unpublished but consistently observed 5/24 rule — applicants who have opened 5 or more new credit card accounts across all issuers in the past 24 months will typically be denied. The Disney Visa welcome bonus is not available to current cardmembers or those who received a new cardmember bonus for this card within the past 24 months. No officially published cross-card bonus cliff between the Disney Visa, Disney Premier Visa, and Disney Inspire Visa exists; each card's 24-month bonus rule applies independently, meaning cardholders may hold multiple Disney Visa family cards simultaneously.
Military & Hardship
MLA Compliant
Complies with the Military Lending Act (36% APR cap for active duty servicemembers).
SCRA Benefits
Active-duty servicemembers with pre-service balances are eligible for a reduced APR of 4% (below the SCRA statutory cap of 6%) on existing balances, waived annual fees (not applicable as there is no annual fee), and waived late and other fees for the duration of active duty and one year thereafter.
Hardship Program
Hardship program available.
Chase
$0
Annual Fee
Apply Now
You will be redirected to the issuer's secure website.

Welcome Bonus $150
APR 18.24%–27.74% Variable
Quick Summary
Annual Fee Free
RewardsCash Back
Welcome Bonus$150
Min. FICO670+
NetworkVisa
Card TypeCo-branded
Online
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