Disney Credit Card: Credit Score, Approval Odds Explained

Short Answer: The Disney Visa Credit Card and Disney Premier Visa Credit Card require credit scores in the Fair to Good range, starting around 650. Below, we detail the credit requirements, approval odds, and application process for Disney credit cards.

Disney Credit Card Credit Score Requirements

Disney offers the Disney Visa Credit Card and Disney Premier Visa Credit Card; both cards are backed by Chase Bank. We contacted both Disney and Chase Bank, and neither was able to provide an exact minimum credit score needed to qualify for the Disney credit cards. However, customers report approvals with scores around 650 and up, meaning they fall within the range of Fair to Good credit, as defined by Chase Bank.

To qualify for either Disney credit card, you must have a permanent home address in the United States or one of its territories. Applicants with a U.S. military address also qualify. If you already have a Chase credit card, you are still able to be approved for the Disney Visa Card or Disney Premier Visa Card, a customer service representative said.

Application Process

You can apply for both Disney credit cards online via a computer or mobile device, but you cannot apply over the phone. You can apply for either card at DisneyRewards.com, DisneyWorld.com, Disneyland.com, or DisneyCruise.com.

When you apply, you will need to provide your gross income, housing costs, and employment history, a customer service representative said. The application requires a hard credit pull, and Chase typically uses Equifax for credit reporting. Your approval odds will vary depending not only on your credit score but your credit profile (including payment history) and employment information.

If you receive immediate approval, your new card will arrive by mail within seven to 10 business days. If you cannot be immediately approved, you will receive an alert stating that Chase needs additional time to process your application. In that case, Chase will notify you of the final decision by mail in about 10 days.

If you are ultimately denied, the letter you receive will indicate the reasons for denial, a customer service representative said. You can re-apply immediately if your application is denied, but keep in mind that each new application requires a hard credit pull, which can negatively affect your credit score.

Disney Credit Card Terms and Perks

Disney Visa Credit Card

  • Annual Fee: None
  • Rewards: 1% in Disney Rewards Dollars on all card purchases (with no limit on rewards)
  • APR: Varies; the average is about 18%
  • Credit Limit: Varies depending on individual creditworthiness
  • Other Perks: $50 statement credit after first purchase with the card

Disney Premier Visa Credit Card

  • Annual Fee: $49
  • Rewards: 2% in Disney Rewards Dollars on all card purchases (with no limit on rewards); 1% on all other purchases
  • APR: Varies; the average is about 18%
  • Credit Limit: Varies depending on individual creditworthiness
  • Other Perks: $200 statement credit after spending $500 on purchases within the first three months of account opening; Rewards Dollars can be redeemed for a statement credit toward airline travel.

Both cards allow you to redeem Rewards Dollars for Disney experiences such as Disney Theme Park tickets, resort lodging, shopping, dining, and movies, with no black-out dates. You can find additional details about current credit card promotions at DisneyRewards.com.