It's worth it if you pay off the balance every month. If you are not a Premium Annual Pass holder, the Disney VISA is the next best thing for insider deals and perks. Used to, the Disney VISA got you free stroller rental at the parks. 10% discount on Disney purchases.
I pay off my balance each month, so I have never paid any interest on my card. Just this past week, Disney Visa gave it's cardholders the first opportunity to book it's Free Dining package. Presently, my rate is about 10%. The rewards program is only 1%, but I have accumulated as much as $100 dollars spending money on my card, for use on an upcoming vacation. I used to use my card for most of my daily purchases. If you use the card to book, and or pay for a vacation, you usually have 6 months to pay it off, without being charged interest.
That's all the information, I can remember at the moment.
I just requested a new Disney Visa card design, and I chose the Tinker Bell one.
The people I have talked to over the phone at the Disney Visa offices are always helpful, and very courteous.
In fact, I just got the statement today with the charges I made during our trip two weeks ago (they're fast!! LOL).
I pay it off in full, so I don't pay interest, but I checked the statement and my rate is 10.24% on purchases and 19.24% on cash advances. I don't even have a pin for it, so I've never even thought about a cash advance on it.
We collect the points and use them for future trips. We no longer need a stroller, but last fall some friends were with us and needed one so we got it for them and it was free. Nice touch!
We already have a PAP so we use that discount rather than the one that the Visa card gives us.