Last August, we receive a credit card offer for the Chase Disney Visa card. Now normally I shred any credit card offers we receive but I decided to see what this one said. We are planning a trip to Disney World at Christmastime next year and I thought the reward program might be nice. This turned out to be a wonderful introductory offer. They offered us 0% interest on all balance transfers and purchases until January of 2009.
We decided to transfer the balance from a high interest card that we were trying to pay off. We were approved for the card and the balance transfer went very smoothly. They don't give you reward points on balance transfers but do on anything thing else you purchase. The rewards points equal $1 for every $100 you spend. I know there are cards that give higher rewards but we figured since we were going to Disney anyway, we might as well earn something towards our trip.
We have been using this card to pay for all of our expenses that we can and then paying it off every month, as well as paying down the balance transfer. We still have a few months of the 0% interst rate and the balance transfer will be gone next month.
The Chase Disney Visa also has offers occasionally to earn extra rewards when you make certain types of purchases. We also received 25 reward dollars when we referred my husbands mother and she was approved for the card. In on year we accumulated 380 Disney Reward Dollars which we just used to put the deposit on our trip for next year. What we earn from now until our trip, we will use for spending money once we are at Disney.
The only reason I did not give this card a 5 rating is that once the introductory offer is over the interest rate seems high to me. Since we don't carry a balance this does not bother me too much.
Customer service has always been very helpful, although we have never really had a problem to complain about. The card comes in, I believe, 7 or 8 different designs which you can change anytime you want to. Just call customer service, tell them which design you want, and you will have your new card in a few days. They have designs ranging from Mickey Mouse to Tinkerbell to The Castle and several others.
We have been very pleased with this card so far and plan to keep using it in the future.