Our illustration in the card’s colours, not its design
Chase credit card
Disney Card from Chase
- APR up · 18.24% to 18.49% · Oct 10, 2026
- Bonus up · $100 to $150 · Oct 2, 2026
No annual fee. $150 Mixed: $100 Disney Gift Card eGift and $50 statement credit after you spend $500 in 3 months. Purchase APR 18.49–27.99%, variable.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · chase.com
“$150 Offer”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · chase.com
The source states this figure; we have no exact sentence on file yet.
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · chase.com
“0% promotional APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 18.49%– 27.99%. †”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · chase.com
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
Chase’s terms
Welcome offer
150 credit
After you spend $500 on purchases in your first 3 months.
- Spending it takes
- $167 a month
- for 3 months
- Tracking since
- Oct 11, 2026
- history will chart every change
The $100 Disney Gift Card eGift is sent by email within hours of approval. The $50 statement credit may take up to 8 weeks after qualification. The offer is not available to current cardmembers or previous cardmembers who received a new cardmember bonus for this card within the last 24 months.
Who can get it: If you’ve had this bonus in the last 24 months (2 years), you can’t get it again yet.
“This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months.”
The issuer’s terms, from its page, as of Oct 12, 2026. Check which bonuses you can get
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $120 | $120 | |
| Typical spender | $300 | $300 | |
| Heavy spender | $660 | $660 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
$120a year
The same in the first year and after.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500.
$300a year
The same in the first year and after.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.
$660a year
The same in the first year and after.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 70% of the 732 cards we track.
- No annual fee, like about 85% of the 711 cards we track.
- Lower top APR than about 40% of the 163 cards on our Sign-up bonuses list (see the list).
Other cash back cards with no annual fee
- Citizens Summit World MastercardCitizens · No annual fee+$310 a year
- Wells Fargo Cash Back Credit CardWells Fargo · No annual fee+$300 a year
- Credit One Bank Omni RewardsCredit One · No annual fee+$300 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Disney Rewards
How you earn
- 1%
- Everything else
Cash back, as a share of each purchase.
Benefits
- New cardmember statement credit: $50 one time
- Baggage: Up to $100 a day for up to 3 days
- Purchase protection: Up to $500 per item
- Extended warranty: Up to four years from the date of purchase
Changes
- Oct 10, 2026 APR 18.24% to 18.49%
- Oct 2, 2026 Bonus $100 to $150
Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · chase.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · chase.com “0% promotional APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 18.49%– 27.99%. †” |
| Intro APR | Receipt · Intro APRChecked Nov 1, 2026 Issuer's page · chase.com “0% Intro APR” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 1, 2026 Issuer's page · chase.com “18.49%– 27.99% variable APR. †” |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 Issuer's page · sites.chase.com “Either $5 or 5% of the amount of each transfer, whichever is greater.” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · chase.com The source states this figure; we have no exact sentence on file yet. |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
- The bonus: If you’ve had this bonus in the last 24 months (2 years), you can’t get it again yet.
Questions
- What is the annual fee?
- None · chase.com, since Oct 11, 2026
- Does it charge a foreign transaction fee?
- Yes: 3% of the amount of each transaction in U.S. dollars.. · chase.com, since Sep 29, 2026
- What is the purchase APR?
- 18.49–27.99% APR · chase.com, since Oct 10, 2026
- Is there an intro APR?
- 0% for the first six months following the purchase date on select Disney vacation packages or purchase of a real estate interest, including a Member Add On, in a Disney Vacation Club ® Resort. · chase.com, since Sep 29, 2026
- Is there a welcome bonus?
- Mixed: $100 Disney Gift Card eGift and $50 statement credit after $500 in purchases in 3 months. · chase.com, since Oct 11, 2026