Help!! I messed up with my Disney Rewards Visa! - Page 2 - PassPorter - A Community of Walt Disney World, Disneyland, Disney Cruise Line, and General Travel Forums
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We have gotten one at City Hall at MK the last couple of trips. Very easy. I actually like doing that so I don't have to carry the card down there or take a chance of losing it.
Shelly - Here's how we accumulated our points so quickly.
We upgraded to the Premier Disney Visa in early February. It cost $45 for the year, but we were given a 5% promo for the first 90 days for gas, groceries, restaurants & Disney purchases. Everything else was 2 or 3% (I want to say 2%). Living in California (in the greater Los Angeles area) the cost of groceries and gas is ridiculous!!!
Anyway, after the promo period, the rewards percentage was reduced to 2% - which is still better than it was. As of our last statement we had 513 points, which is pretty darn good, but so much easier to achieve because of the promotion.
I use my Disney Visa to book our WDW trips because I want to take advantage of the 6 months interest free benefit. Unfortunately my husband thwarts my efforts because he refuses to carry a credit card balance and believes that somehow it's still going to wind up costing him something. It's maddening but I can't change his mind.
Wow. That is an amazing point accumulation! We only have about $90 in rewards because I had carried a balance for a bit after our 2010 trip. I did not start using it again until I paid it off.
I do not understand how people can get so many points with only a 1% return. I pay for as many things as I can with my Disney Visa. I wish there was a way to put my mortgage and car payment on it--that would add the points up faster!
We usually accumulate over $500 in rewards every year. I've hit the cap of $750 a few times but that was when I could charge my son's tuition to the card without a penalty (that changed by his 3rd year in college). And my husband sometimes travels for work and is allowed to use his personal credit card for those expenses (including airfare), so we rack up points very quickly when that happens. I've also gotten a few "bonus" reward offers -- like a $50 bonus if I set up 2 different utilities to be charged to my Disney Visa every month. Though I can't say I've gotten any of those bonus offers lately -- probably because I use the card all the time. We cleared our Disney Rewards during our trip last June but have accumulated over $600 again since then.
I've also started using a Chase Freedom card (shhhhh! Don't tell my cute Disney Tinkerbell Visa) because we can accumulate rewards faster on certain charges with that card. We got a sign-on bonus of $300 in rewards dollars (after making $500 worth of purchases during the first 90 days of having the card) and we earn the standard 1% reward on all purchases. However, they also have bonus rewards every quarter where you earn an extra 5% bonus on charges in certain categories (for a total of 6% on those purchases). This quarter the bonus is for gas and restaurant purchases. Last quarter it was groceries and entertainment. We use the Chase Freedom card only for the bonus categories and we've accumulated a little over 600 rewards $ since January. Those rewards can be used for a number of things, one of them being cash (which we will use towards our Disney trip next June).
Shelly - Here's how we accumulated our points so quickly.
We upgraded to the Premier Disney Visa in early February. It cost $45 for the year, but we were given a 5% promo for the first 90 days for gas, groceries, restaurants & Disney purchases. Everything else was 2 or 3% (I want to say 2%). Living in California (in the greater Los Angeles area) the cost of groceries and gas is ridiculous!!!
Anyway, after the promo period, the rewards percentage was reduced to 2% - which is still better than it was. As of our last statement we had 513 points, which is pretty darn good, but so much easier to achieve because of the promotion.
I use my Disney Visa to book our WDW trips because I want to take advantage of the 6 months interest free benefit. Unfortunately my husband thwarts my efforts because he refuses to carry a credit card balance and believes that somehow it's still going to wind up costing him something. It's maddening but I can't change his mind.
I think business travel would be the way to accumulate! I do not like cards with annual fees so we passed on the Premier. If we earn less than $100 a year in rewards it is hard to justify the annual fee!
Quote:
Originally Posted by allgiggles
We usually accumulate over $500 in rewards every year. I've hit the cap of $750 a few times but that was when I could charge my son's tuition to the card without a penalty (that changed by his 3rd year in college). And my husband sometimes travels for work and is allowed to use his personal credit card for those expenses (including airfare), so we rack up points very quickly when that happens. I've also gotten a few "bonus" reward offers -- like a $50 bonus if I set up 2 different utilities to be charged to my Disney Visa every month. Though I can't say I've gotten any of those bonus offers lately -- probably because I use the card all the time. We cleared our Disney Rewards during our trip last June but have accumulated over $600 again since then.
I've also started using a Chase Freedom card (shhhhh! Don't tell my cute Disney Tinkerbell Visa) because we can accumulate rewards faster on certain charges with that card. We got a sign-on bonus of $300 in rewards dollars (after making $500 worth of purchases during the first 90 days of having the card) and we earn the standard 1% reward on all purchases. However, they also have bonus rewards every quarter where you earn an extra 5% bonus on charges in certain categories (for a total of 6% on those purchases). This quarter the bonus is for gas and restaurant purchases. Last quarter it was groceries and entertainment. We use the Chase Freedom card only for the bonus categories and we've accumulated a little over 600 rewards $ since January. Those rewards can be used for a number of things, one of them being cash (which we will use towards our Disney trip next June).
That sounds complicated! I generally use the Disney card for gas and groceries--unless I am shopping at SuperTarget where I use my Target debit card to get 5% off on the spot. Remembering that is complicated enough! LOL!
[QUOTE=benjiboo25;4001992]I think business travel would be the way to accumulate! I do not like cards with annual fees so we passed on the Premier. If we earn less than $100 a year in rewards it is hard to justify the annual fee!
I completely agree about annual fees, but when I considered the points we'd earn during the promo period and throughout the year, the $45 didn't hurt us. Depending on how things look next year I may opt out of the Premier and go back to my regular Disney Visa. I love my (supposedly) exclusive Premier card design, but not for $45 a year! Lol!
That sounds complicated! I generally use the Disney card for gas and groceries--unless I am shopping at SuperTarget where I use my Target debit card to get 5% off on the spot. Remembering that is complicated enough! LOL!
I don't have a problem remembering what the bonus category is each quarter, but I do need to make my husband a "cheat sheet". I put a little post-it note with the bonus category deals on his Disney Card (since that's the one we use for everything else) so that he remembers *not* to use that card for those things and switch to the Chase Freedom. This quarter is easy for him since 95% of the things he charges are gas or restaurants...I do all the shopping and bill paying.
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I was searching the boards looking for the answer of how far ahead of the trip should I order my Disney Visa Rewards card, and stumbled across this thread. After reading this thread I am guessing the best plan of attack is to not order a rewards card ahead of time, but to instead to go to one of the locations listed in annc98's post. Thanks for the helpful advice!
Personally, I prefer to have it in hand when I leave for my trip. What I do is order it a couple months in advance with the minimum numbers of rewards dollars on it, which is 20. Then I wait until the last billing cycle before my trip ends to transfer the rest so that I can have the maximum possible number of reward dollars on my card.
Personally, I prefer to have it in hand when I leave for my trip. What I do is order it a couple months in advance with the minimum numbers of rewards dollars on it, which is 20. Then I wait until the last billing cycle before my trip ends to transfer the rest so that I can have the maximum possible number of reward dollars on my card.
That's exactly what I do. Once you've got the card you can keep adding rewards dollars to it before every trip until it expires. The Disney Visa has worked out great for me. I always pay it of fully so never pay any finance charges. For my next trip I'll be able to buy an annual pass with my rewards card!
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This quarter is easy for him since 95% of the things he charges are gas or restaurants...I do all the shopping and bill paying.
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