Verdict: This card has the most you could ask for if you love Disney. You receive special financing when you book cruises and vacations, earn Disney rewards points, and receive discounts at Disney theme parks and online stores.

Overview:
The Disney Rewards Visa card earns 1% back in the form of Disney Dream Reward Dollars, which can be redeemed for a host of Disney merchandise and more. You receive discounts when you buy merchandise, food, and tours at all Disney theme parks, and get a 10% discount at DisneyShopping.com and DisneyStore.com. You also get special financing when you book a Disney cruise or vacation and receive $50 onboard credit for cruises.

How This Card Works:
You can also choose your own Disney card design, choosing from designs such as Vintage Mickey, Pixie Dust, and Finding Nemo. This card can be used anywhere Visa is accepted, earning Disney Dream Reward Dollars for every purchase. These points can be redeemed for Disney goods. When you use this card to book cruises or vacations you can expect a 0% APR for 6 months, along with a $50 onboard credit on cruises. You also get discounts on almost everything in the Disney theme parks, as well as Disney online shopping sites.

Shopping and Travel Benefits:
Discounts on mechandise, food, and tours at Disney theme parks. 0% APR financing for 6 months on many Disney Resort vacation packages, as well as Disney cruises and Adventures by Disney. Save 10% at DisneyShopping.com or DisneyStore.com. Receive $50 onboard credit when you book a Disney cruise using your Disney Rewards Visa. Even better, you earn 1% in Disney Dream Reward Dollars (DDRDs) on everything you purchase with your Disney Rewards card. These DDRDs can be redeemed for breakfasts with characters, mechandise, and more. There is no limit to the amount of DDRDs you can earn and points in your Disney Rewards account expire in 5 years. And, for a limited time, when you buy a ticket to any Disney on Broadway show, such as the Lion King, receive a second ticket for only $15. You also receive a 2009 cardholder’s Disney pin. When your application is accepted, you will receive a bonus $15 Disney gift card.

You also receive 0% fraud liability, emergency card replacement, travel accident insurance, and baggage delay coverage.

Fees:
There is no annual fee for your Disney Rewards Visa card and you get a 0% introductory APR, along with 0% APR financing options when you book a vacation or cruise with Disney. Depending on your credit history, your APR will be a variable 13.24% or 16.24%. The APR for balance transfers is the same as that for purchases. The cash advance APR is 19.24%. The late payment APR is 24.24% and the overdraft advance APR is 13.99%. The grace period is at least 20 days. The transaction fee for balance transfers and cash advances is 3%, not less than $5 nor more than $249.00. The late fee for balances under $250 is $15 and $39 for balances over $250. $25 is charged if you go over your limit.

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