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Card Economics
Annual Fee
$49
Ongoing Annual Value
$103
First-Year Value Estimate
$221
Net Value
+$54
Card type: PersonalForeign transaction fee: 3%Currency: Disney Rewards Dollars

Sign-up Bonus

$200 Disney gift card upon approval + $100 statement credit after $500 in purchases within first 3 months
Am I eligible?

Earning Structure

5XDisneyPlus.com, Hulu.com, Plus.ESPN.com5%
2XDining2%
2XDisney locations2%
2XGas Stations2%
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 (2)
  • Instacart: $10 (Monthly)

    $10 Instacart credit every month with an active Instacart+ membership through December 31, 2027

  • Streaming: $15 (One Time)

    $14.99/month in statement credits for up to 3 consecutive months on qualifying Disney Bundle purchases (Disney+, Hulu, ESPN+) totaling $14.99+ per month

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 with complimentary photo downloads
  • 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 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
  • Complimentary 12-month DashPass membership for DoorDash and Caviar (activate by 12/31/2027), plus $10 quarterly discount on non-restaurant DoorDash orders
  • Complimentary Instacart+ membership for 3 months (activate by 12/31/27)
  • Pay Yourself Back: redeem Disney Rewards Dollars as statement credits toward airline purchases (any airline, any destination, no block-out dates)
  • 20% off tickets to Cirque du Soleil's Drawn to Life at Disney Springs (up to 8 tickets)
  • 20% off first year of annual Marvel Unlimited subscription