Originally Posted by Mary2e
I have to disagree about the Disney Visa. It's actually about average to poor as far as rewards go.
There are plenty of cards out there with better rewards, either miles or cashback. I believe the highest rated card is the SPG Amex.
Actually, value is largely in the eye of the beholder.
I can get my wife to USE the Disney VISA instead of cash for many of her purchases. I get the float that way, paying 100% balance each month, so I am enjoying the benefit of my money for an additional 30-45 days rather than forking it over to a retailer.
My family enjoys watching our DisneyDollar balance grow, knowing we will spend all of it on our next trip to WDW. It is essentially a 1% cash back proposition, with occasional bonus cash back, with the major drawback being the relatively narrow opportunities to SPEND said cash back.
MY family actually even gets a kick out of the card graphics - the classic Mickey is pretty cool. And you'd be surprised the good it does an old codger to get a smile and a kind word from a pretty cashier merely becasue she thinks your CC is "kewl." And my wife thinks I got the Jag as a babe-magnet! Little does she know.
I really don't need any more miles, as I accrue plenty via travel and Amex rewards. We don't use a lot of hotel nights non-business, other than WDW, so my Hotel poiunts tend also to be converted to miles.
And, they do offer frequent promotions only for cardholders, many of which are quite interesting. Plus, 6 months free financing of a WDW package is quite attractive when taking a long trip to WDW with a large group. I'm taking a group of 8 over Christmas/New Year's (pending the DL pilot situation
), but will not have to pay principal or interest on a spend of many thousands until May. My favorite mantra - make other people's money work for ME!
The "best" card is really dependent upon the indivdual's situation and needs.