Castaway Cay; Side View of Ship;
  • On Sep 16, 2025
    Lisa from NC Asked Please note that experiences, policies, pricing and other offerings are subject to change and may have changed since the date of this answer.

    Hello, If we were to get a Disney credit card , what are my benefits to paying off my Disney cruise . Thank you

    Ahoy there, Lisa, and welcome to planDisney! It sounds like you’re looking to maximize the value of your next Disney Cruise, so I’m delighted to be the one to help you with this.

    Adding a Disney Visa Card to your wallet can definitely sprinkle some extra pixie dust into your Disney Cruise Line vacation. Not only does it make paying for your cruise more flexible, but it also unlocks some exclusive perks along the way. Allow me to explain...

    When you pay for your Disney Cruise Line reservation with your Disney Visa or Disney Premier Visa Card, you’ll enjoy special vacation financing: 0% promotional APR for six months from the date of purchase. This offer can be applied each time you book, so whether it’s your first cruise or your fifth, it’s a benefit you can continue to use. Even better, if your cruise package includes a stay at Walt Disney World Resort before or after your sailing, those charges qualify for the same financing too. This makes it easy to bundle your whole vacation into one magical payment plan.

    Once onboard, Disney Visa Cardmembers also enjoy exclusive discounts. These can include savings on select photo packages, merchandise, spa treatments, and even experiences on Disney’s island destinations, Castaway Cay and Lighthouse Point. All of these perks add up quickly, especially when you’re treating yourself (or your crew) to everything from special extras to specialty coffee with character art on top.

    To maximize your benefits, I recommend entering your Disney Visa Card during online check-in so it’s set as your onboard payment method from the start. I especially like the discount when shopping for souvenirs from Mickey’s Mainsail. Plus, by using my Disney Visa, I’m actually building up Disney Rewards Dollars I can use on a future cruise too!

    Another benefit as a cardmember is being able to choose my favorite card design and switch it whenever I want. While I haven’t seen a Disney Cruise Line card design yet, I did just request the new Disneyland 70 Celebration card and can’t wait to carry it proudly.

    I could go on and on about why I love being a Disney Visa cardholder, but these are just some of my favorite reasons. I hope you’ll be using one to book your next vacation soon! And if you think of any more questions in the meantime, don’t hesitate to head back to us here at planDisney.

    SEA ya real soon,
    Sami
thumbnail image for Sami

Meet the Panelist: Sami, Tennessee

Hey Howdy Hey! I'm Sami - an author, TV Host, & new empty-nester living in Nashville with two teenagers in college. We enjoy sports, live music, and making magical memories aboard Disney Cruise Line & in Disney Parks worldwide. I raised my kids just around the riverbend from the Walt Disney World Resort and celebrated every milestone with their Disney friends. With so many incredible itineraries and delicious dishes on board, I love helping my extended ohana discover a whole new world at sea! Learn More About Sami

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