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Card Economics
Annual Fee
$149
Ongoing Annual Value
$152
First-Year Value Estimate
$300
Net Value
+$3
Card type: PersonalForeign transaction fee: NoneCurrency: Disney Rewards Dollars

Sign-up Bonus

$300 Disney gift card upon approval + $200 statement credit after $1K in purchases within first 3 months
Am I eligible?

Earning Structure

10XDisneyPlus.com, Hulu.com, Plus.ESPN.com10%
3XDisney locations3%
3XGas Stations3%
2XDining2%
2XGrocery Stores2%
1XAll other purchases1%

Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.

Benefits

Worth it for me?
Credits & Perks (3)
  • Streaming: $10 (Monthly)

    Up to $10 back per month (up to $120 annually) on qualifying subscriptions or add-on purchases made directly at DisneyPlus.com, Hulu.com or Plus.ESPN.com after spending $10 or more on eligible purchases (yearly activation required)

  • Theme Park Tickets: $100 (Annual Cardmember Year)

    $100 statement credit after spending $200 per card anniversary year on U.S. Disney theme park tickets

  • Resort & Cruise: $200 (Annual Cardmember Year)

    $200 Disney Reward Dollars after spending $2,000 per card anniversary year on U.S. Disney Resort stays and Disney Cruise Line bookings

Protections (3)
  • Baggage Delay — up to $300 — Up to $100 per day for up to 3 days for essential purchases when baggage is delayed over 6 hours
  • Purchase Protection — up to $500 — 120 days coverage for damage or theft, up to $500 per item
  • Extended Warranty — Extends manufacturer's warranty by 1 year (max 3 years original), up to 4 years from purchase date

Other Perks

  • Cardmember-exclusive character photo opportunities at Walt Disney World Resort and Disneyland Resort
  • 10% off select merchandise purchases at select locations at Walt Disney World Resort and Disneyland Resort
  • 10% off select dining locations most days at Walt Disney World Resort and Disneyland Resort
  • 15% off the non-discounted price of select guided tours at Walt Disney World Resort and Disneyland Resort
  • 10% off the non-discounted price of select recreation experiences at Walt Disney World Resort
  • 10% off select purchases at DisneyStore.com
  • 0% promotional APR for 6 months on select Disney vacation packages
  • Disney Cruise Line savings on select onboard purchases (photos, merchandise, spa treatments)
  • Complimentary 12-month DashPass membership for DoorDash and Caviar (activate by 12/31/2027), plus $10 quarterly discount on non-restaurant DoorDash orders
  • Pay Yourself Back: redeem Disney Rewards Dollars as statement credits toward airline purchases and Disney purchases
  • Savings on Aulani Resort merchandise, activities, and experiences
  • Broadway VIP package with premium ticket purchases to Aladdin or The Lion King
  • Savings on first year of annual Marvel Unlimited subscription