Chase Disney Credit Card Review – $200 Disney Gift Card Sign Up Bonus

This is another post in our Weird Wednesday series where we look at credit cards that aren’t often talked about. You can view more posts in this series by clicking here.

Chase cards are talked about a lot, so it’s a bit weird writing a post about a Chase credit card. That being said, I almost never see anybody talk about the Disney card they offer so I thought it was worth a look. Before we get started, it’s important to note that there are actually two Chase Disney credit cards: Chase Disney Premier & Chase Disney Rewards.

chase disney credit cards

The Basics

Let’s have a look at the marketing bulletins for each of these cards.

Chase Disney Rewards

  • No annual fee
  • 1% in Disney Dream Reward Dollars on all purchases
  • Disney perks:
    • Character Meet ‘N’ Greet at a private Cardmember location
    • 10% off select merchandise purchases of $50 or more at Disney Store and

Chase Disney Premier

  • 2% in Disney Dream Reward Dollars on card purchases at gas stations, grocery stores, restaurants and most Disney locations
  • 1% in Disney Dream Reward Dollars on all other purchases
  • Annual fee of $49
  • Disney perks:
    • Character Meet ‘N’ Greet at a private Cardmember location
    • 10% off select merchandise purchases of $50 or more at Disney Store and

Getting this card doesn’t make sense, you’re basically paying $49 annually to get 2x on certain categories. It’s easily possible to get 2% cash back on ALL purchases, so getting the premier makes very little sense.

The Benefits

Character Meet ‘N’ Greet

Both of the cards offer this benefit, there are some restrictions and fine print that we should go over though.

  • Only available at Disney California Adventure® Park and the Walt Disney World®
  • Must present your valid Chase Disney credit card to gain entry
  • Allows entry for up to 6 people
  • Each card can only be used for one entry per day (e.g for a party of up to 6)
  • Only offered at set hours at Epcot
  • Includes one complimentary 5 x 7 photo per valid cardmember account per day
  • Complimentary photo must be picked up at a Disney PhotoPass location the day the photo was taken
  • Cannot be combined with any other offer

This benefit sounds pretty good, but it’s hard to get a good gauge without having actually used it yourself. Thankfully, lots of people have used it and have shared their experiences. It actually sounds like a pretty good experience from the reports I’ve read, but I’d encourage you to read them as well. Here are some of the better ones I’ve found:

One thing that a lot of people reported is that they will take some pictures using your camera as well if you ask nicely. 

10% Discount

There are a number of restrictions that apply to the 10% discount that both cards offer. Let’s have a look at them:

  • Offer valid only at Disney Store and Disney Baby Store retail locations in the U.S. or orders placed online at
  • There is a minimum purchase order of $50
  • Offer excludes Shipping & Handling, Theme Park Passes, Disney INFINITY, Disney Electronics, DVDs, Blu-rayTM, CDs, Video Games, Books, Art & Collectibles, Jim Shore, Lenox�, Enesco Busts and Figurines, Olszewski, Precious Moments, Vinylmation, Limited Edition Dolls, D23 Memberships, D23 Merchandise, gift cards or certificates, Disney Dollars, personalization, gift wrap and gift boxes and items not in stock
  • Not valid on purchases at The Disney Studio Store Hollywood & Ghirardelli Soda Fountain Shop
  • World of Disney® locations are not operated by Disney Store
  • Cannot be combined with other discounts
  • Must use promotional code DRVCMEMBER

How useful this benefit is probably depends on how often you shop with Disney and what type of other discounts they usually offer. I imagine it’s usually cheaper to buy the same products from a third party than from Disney directly, but it’s really not my forte.

The Sign Up Bonus

If you’re observant you’ll probably notice I haven’t mentioned anything about a sign up bonus on either of these cards yet, but I did mention $200 in the title. The current public bonuses are a $100/$50 statement credit. There are two ways to get a Disney gift card of $200 after $500 in spending, one of these works for the no annual fee card and the other works for the annual fee card.  Here is how to get these offers:

  • Get a referral link from somebody who already has the card. For some reason the referral bonus is $200 after $500 in spending, the person who refers you will also receive a $50 bonus if you are approved. It’s usually possible to find somebody in this thread with an active referral link (go to the last page or just search for ‘Disney’), if you have one then you’re more than welcome to share it in the comments.
  • Order a free Disney planning CD from the Disney website. The CD that you want is called ‘Disney Vacation Planning‘. I learned this trick from Frequent Miler, he has a great guest post titled ‘Hacking Walt Disney World‘, which is well worth a read if you plan on going to Disney World.

Now obviously using a referral link is better because it’s for the no annual fee card and the annual fee doesn’t have any benefits/features that are actually useful. Your best bet might be to try and split the referral bonus the other person gets, which would bring your total of $225 which is a very competitive bonus (Disney gift cards sell for 80% of face value, but they will be similar to cash if you’re actually going there).

Final Thoughts

This isn’t an amazing card, there are cards that have higher cash sign up bonuses. That being said if you’ve already got all of those higher bonuses and don’t really value travel rewards and are planning on going to Disney then this is an OK choice. It doesn’t make any sense to put any actual spending on these cards, but the meet ‘n’ greet features and the fact that it’s no annual fee should make it worth keeping (if you go to Disney World on a regular basis).

The major downside is that this is yet another card issued by Chase and they offer a lot of really great bonuses (e.g the Freedom is often a bonus of $225 in cash with rotating categories). Because of this I wouldn’t recommend this card to most people.

Disney lovers, what did I miss? Are there any hidden benefits that make this card a must have? Would you recommend it to others? As mentioned previously please feel free to share your referral links in the comments below.


oldest most voted

Daniel Wu
Daniel Wu (@guest_629927)
August 15, 2018 19:15

Here is a working link for my referral:

Cody (@guest_608620)
June 25, 2018 11:25

This summer we plan to take our boys 4 & 7 to Disney World for the first time. This is actually a first for our whole family (and I think my wife & I are just as excited as the kids will be). This trip is a complete surprise. Our boys are the biggest Disney fans and I know they are going to be so excited when they realize where we are. I really appreciate anyone willing to click my link to make this dream vacation a possibility for my family. Thank you and enjoy that $200 sign up bonus!!!

Eddy Maximov
Eddy Maximov (@guest_608014)
June 21, 2018 22:25

Earn a $200 Disney Gift Card with the Disney® Visa® Card

HarryTheFirstHarry (@guest_600118)
May 29, 2018 00:45

When I opened Chase checking in branch, I was offered a Disney debit card which the banker said has similar benefits to this CC – diff between that and normal debit card would be that I have to wait for it to be sent to me. I did pick this option to get the Disney debit and have it with me now. Need to verify if the discounts are same as CC or banker was not really aware….so if anyone interested in the benefits without a HP, the debit may be an option if you are opening a Chase account.

JuicyJosh (@guest_600114)
May 29, 2018 00:32

I hope you feel dirty. Thank yourself for killing referrals on DoC.

May 29, 2018 00:33

I removed their links now, thanks

JuicyJosh (@guest_600112)
May 29, 2018 00:28
Gadget (@guest_600106)
May 29, 2018 00:10


JuicyJosh (@guest_600113)
May 29, 2018 00:30

 Chuck Gadget really is awesome. Delete permissions for Gadget !

JuicyJosh (@guest_600115)
May 29, 2018 00:33

$10 says this person is the same as LC on the Incredible Bank thread.

Gadget (@guest_600105)
May 29, 2018 00:10

Another duplicate!  William Charles

JuicyJosh (@guest_600111)
May 29, 2018 00:26

I think it’s time you got admin rights. Or just delete permissions. Win for DoC. Win for the rule followers. Let all rule breakers think before they sell themselves for a potential referral.

Gadget (@guest_600122)
May 29, 2018 00:55

Thanks. I did politely request admin rights in an e-mail a couple months ago, offered to help for free, at least for the referral pages, but I also understand that just giving out permissions may not make sense for DoC. I am just some dude on the Internet and not planning on interviewing for a position. I have a background in IT engineering/hardware mainly, and was a software analyst for a couple years, during my 23 years in the military, but I’m not a web publisher.

I was considering getting this card for the last couple months, and reached out to family trying to find a “worthy” referrer. None found, and not worried about it enough to care. There are better sign-up bonuses, but I like a quick $200 occasionally and I don’t reliably MS enough to do the big potatoes, don’t do much travel and find it extremely difficult to spend my points once I get them, and 5/24 is out of reach.

Did you (or someone you know) ever get this card? If so, hit me up on Reddit.

JuicyJosh (@guest_600124)
May 29, 2018 01:09

Before I entered the game, my SO wanted this card. The Chase debit card tied to the bank account quickly ended that convo. Seemed to have all the same benes with a higher payout ($300) and no credit implications.

About to take our first DoC related redemption next week. Won a round-trip JetBlue flight for me due a post a 6 months ago. For her transfered some TYP to JB for roundtrip flights. Picked up our Hyatt stay from UR transfers and boom! Vacay on DoC!! Salt Lake City, Arches NP, Canyonlands NP, and all just for being a reader. Thanks for the memories DoC.

Gadget (@guest_600132)
May 29, 2018 01:57

Yeah, I know you can get the debit and still get the park/disney discounts. I am more looking at the easy spend to get the $200. The referral is a nice gift for someone. Plus, my debit is only good for keeping my sock drawer weighted down since I use debit cards as slot filler in my 120 slot business card holder for the 180 days the account is open. My family had 3 separate instances of debit card fraud in the last year, so apparently the crooks are getting more use out of them than us.

So people from FL go north for the summer? I thought they just get in line in front of me since they have season passes to everything. In all seriousness, enjoy the vacation. Make sure you have a new MSR CC ready to get some organic spend for all the stuff that isn’t covered.

But I hear ya, ain’t no vacation like a free one – just wish I was better at spending the points. 75K Amex MR, 50k Citi TYP, 85K IHG, 75K Chase UR, 40K x 2players US Bank FP, and nowhere to go. I usually end up cashing out or gift carding out. I need a DoC class on redemption. I can’t say I wouldn’t have all of that without DoC, but certainly wouldn’t be this points rich. THANK YOU DOC!!!

Liz (@guest_600098)
May 28, 2018 23:45

Earn a $200 statement credit with the Disney® Visa® Card. No annual fee. My referral link: [removed – do not post duplicates]

Gadget (@guest_600100)
May 28, 2018 23:58

Duplicate post. April 4th, and one free referral, wasn’t good enough? Thanks for ruining a good thing! Paging  William Charles

May 29, 2018 00:33

Thanks Gadget

Gadget (@guest_600126)
May 29, 2018 01:14

You’re welcome.

shak (@guest_597678)
May 22, 2018 05:51

Here is a referral link for the $200 bonus that I know works. I just applied and was instantly approved: