With no annual fee, an average APR and convoluted redemption rules, the Disney Visa card by Chase isn't a great choice if you're not a fan of Disney products or if you don't have a family trip to Disney on your calendar.
The Disney's Premier Visa® Card offers better value, earning 2% back in rewards at gas stations, grocery stores, restaurants and most Disney locations. All other spending earns 1%. So if you fill up your gas tank for $50 with the card, you'll get 1 Rewards Dollar back.
Credit-Score Requirements: The Disney Premier Credit Card is the harder of the two to get, requiring good credit or better for approval, whereas folks with limited/fair credit can get the Rewards Visa.
The baseline score needed to qualify for the Disney Premier Visa Credit Card is 660, which is the bottom of the "good credit" range. But simply having a 660 credit score doesn't guarantee you of approval.
Earn 2% in Disney Rewards Dollars on purchases at gas stations, grocery stores, restaurants and most Disney locations. Earn 1% on all your other card purchases. There are no limits to the number of Rewards Dollars you can earn. Redeem Rewards Dollars toward Disney vacations and more.
The standard Disney® Visa® Card has no annual fee, while the Disney® Premier Visa® Card has a $49 annual fee. Both cards charge a 3% balance transfer fee or $5 minimum, whichever is greater.
When do I get my card? Your card will arrive in the mail within 2 weeks after your application was approved. I applied online for instant credit for the Disney® Visa® Card and was informed that Chase was unable to make a decision at that time.
What is the 5/24 rule? Many card issuers have criteria for who can qualify for new accounts, but Chase is perhaps the most strict. Chase's 5/24 rule means that you can't be approved for most Chase cards if you've opened five or more personal credit cards (from any card issuer) within the past 24 months.
To be eligible for a Disney Visa Credit Card you must have a valid permanent home address within the 50 United States, the District of Columbia, Guam, Puerto Rico, or the US Virgin Islands, or have a United States military address. Accounts subject to credit approval. Restrictions and limitations apply.
To prepare, you might want to have at least three cards: two that you carry with you and one that you store in a safe place at home. This way, you should always have at least one card that you can use. Because of possibilities like these, it's a good idea to have at least two or three credit cards.
As one of Chase's no-annual-fee cash back credit cards, the Chase Freedom Unlimited is easier to get approved for than the Chase Sapphire Preferred Card or Chase Sapphire Reserve.
Most Chase cards require a score of at least 600, which is about the dividing line between fair and poor credit.
Best credit cards if your FICO score is 600 to 649 overview
| Credit Card | Best For |
|---|---|
| Capital One Platinum Credit Card | Rebuilding credit |
| Secured Mastercard® from Capital One | The lower end of fair credit |
| OpenSky® Secured Visa® Credit Card | Those with little to no credit |
| Discover it® Secured | Cashback rewards AND building credit |
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