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Review: Disney Rewards® Visa® Card from Chase
Type of credit needed: Good Credit
Type of card: Rewards/Rebate
Issued by: Chase
Overview: This card features high spending limits, a great introductory APR for purchases and balance transfers, and no annual fee. The rate for balance transfers and purchases after the introductory term varies, but those with good credit will receive a reasonable rate. The rewards program will benefit those who are interested in earning Disney-themed rewards. Cardholders earn a small rebate on each purchase. Once a certain rebate amount is earned, it is converted into a Disney Dream Reward Dollar. Collected reward dollars can be redeemed towards Disney theme park visits, hotel stays, and merchandise. Cardholders are given a free Disney gift card for the first card purchase. There are yearly limits on the number of Disney Dream Reward Dollars that may be earned, and rebates and Disney Dream Reward Dollars do expire. There is no opportunity to earn bonus rebates. Standard cardholder benefits like emergency card replacement are included.
Pro and cons of the card:
Pros:
High spending limits
Low introductory APR for purchases and balance transfers
No annual fee
Reasonable APR after introductory term with good credit
Earn rebates on all purchases
Rebates are converted into Disney Dream Reward Dollars
Redeem Reward Dollars towards Disney merchandise, park visits, and more
Free Disney gift card for first card purchase
Standard benefits like emergency card replacement are included
Cons:
Rebates can only be used towards Disney-themed rewards
Variable APR depending on credit history
Yearly limits on Disney Dream Reward Dollar earnings
Rebates and Reward Dollars expire
No opportunity to earn bonus rebates or Reward Dollars
Excellent Credit
750-850
Good Credit
660-749
Fair Credit
620-659
Bad/Poor Credit
350-619
No Credit
0-0
Do You Know Your Credit Score? Find Out Now!
A credit score
is a number generally between 300-850, based on a statistical
analysis of a person's credit files. This score represents the credit
worthiness of a person. A credit score is assigned to each individual, to rate
how risky a borrower he or she is--the higher the score, the less
risk the individual poses to creditors. In most cases, your credit score will determine whether you will be
approved for a credit card.
1. Credit Scores range from 300-850, the higher the better 2. Most lenders base approval on your credit score. 3. Higher Scores mean lower payments and better deals. 4. Higher Scores mean Lower interest rates. 5. Scores are determined by 5 main categories:
Payment History
Amounts Owed
Length of Credit History
Type of Credit Used
New Credit
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Type of credit needed: Good Credit
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