Flo Analysis
Computed from live catalog data — where this card ranks, wins, and needs a caveat.
Category standing — vs 1,096 cards in the catalog
Everything else
1x
Where it wins:
No annual fee — every dollar of rewards and credits is net value.
Overview
How this card fits in your wallet — fees, value, and who it's built for.
How the points work
Earn 1% in Disney Rewards Dollars on all purchases.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
- Everything elseAll Purchases1×
Welcome offer
150 points
- Spend $500 in 90 days
- Est. value: $2 (WalletFlo catalog)
Credits & Benefits
Statement credits and perks we model in net-value calculations.
Credits
- No statement credits listed for this card
Benefits
- Special Disney Vacation Financing
Enjoy 0% promotional APR for 6 months on select Disney vacation packages from the date of purchase.
- 15% off Select Guided Tours
Receive 15% off the non-discounted price of select guided tours at the Disneyland® Resort and Walt Disney World® Resort.
- Disney Parks Photo Opportunities
Pose for special photos at private Cardmember locations at the Disneyland® Resort and Walt Disney World® Resort and receive complimentary downloads of your photos.
- 10% off Select Merchandise
Save 10% on select purchases at DisneyStore.com and on select merchandise purchases at select locations at the Disneyland® Resort and Walt Disney World® Resort.
- 10% off Select Dining Locations
Receive 10% off at select dining locations at the Disneyland® Resort and Walt Disney World® Resort.
- Complimentary DashPass
Get one-year complimentary DashPass from DoorDash ($120/year value). Activate by Dec 31, 2027. Plus, get up to $10 off monthly on eligible DoorDash orders through Dec 31, 2027.
- Baggage Delay Insurance
Reimburses you up to $100 a day for up to 3 days for essential purchases when baggage is delayed over 6 hours.
- Purchase Protection
Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
- Extended Warranty Protection
Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less.
- Chase Pay Over Time®
Break up eligible credit card purchases into budget-friendly monthly payments with a fixed monthly fee.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
Verdict
Credits & perks offset the fee on paper
Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.
Flo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Open CalculatorSide by Side Compare
Compare against another card with the same spend profile.
Open CalculatorIs the Annual Fee Worth it?
Confirm net value on a no-annual-fee card.
Open CalculatorPoints & Miles → $ Converter
Convert points and miles to estimated cash value.
Open CalculatorAwards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Open CalculatorTransfer Partner Calculator
Explore transfer partner conversions across programs.
Open CalculatorRewards Calculator
Model this card on your spend — adjust categories and compare with others.
FAQ's
Issuers generally look for good-to-excellent credit; exact thresholds vary.
There's no annual fee — focus on whether the earn rates beat cards you already carry.
Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.