How you earn points

When you use your Disney credit card to buy products or services online or in person, you automatically earn points, or Disney rewards, that accumulate in an account with each purchase. As your point count increases, you qualify for certain point reward packages. Each level entitles you to shop for various items at the Disney Store, Disneyland Resort, Walt Disney World Resort, Disney Cruise Line, the Disney catalog, or DisneyStore.com. You can redeem your points for merchandise like Disney toys, clothes, DVDs, and collectibles. As a travel credit card, the Disney card also features a benefit that allows you to redeem your reward points for vacation packages. You can select packages that include travel to your favorite Disney theme park. Your points are good for parking permits, admittance to the park, and discounts on Disney hotels and resorts.

Drawbacks

Unfortunately, as you accumulate the sought after Disney rewards, you also accumulate credit card debt. If you are not skilled at managing your finances, you may be enticed to use your Disney credit card in excess of what you are capable of paying back. This type of incentive program could cause you painful repercussions in terms of debt and poor credit scores if you are unable to make prompt payments on the balance.

The more you buy with your Disney card, the more rewards you qualify for. But remember that the more you buy, the more interest you pay on these purchases as well, especially if you are unable to pay your balance in full each month. As your interest accumulates on purchase that you made with your card, you credit card debt rises and your credit rating plummets.

Special features

On the bright side, the Disney credit card has a unique card design that will delight families: Mickey Mouse on a sparkling red background. The card is a great way to allow any family member to contribute to future vacation plans or holiday gift times. You might consider giving the travel credit card to younger members of the family as an emergency credit card to be used for expenses away from home. The rewards can be added to the family