Cruise ship docked at a long pier offshore, with colorful seaside cabanas and palm trees along the beach.
  • On Jul 21, 2026
    Jill from CA Asked Please note that experiences, policies, pricing and other offerings are subject to change and may have changed since the date of this answer.

    When you get 6 months 0% financing using your Disney Visa card. What is considered date of purchase? When you first book the cruise and pay your down payment or when you make a balance payment?

    Hello, Jill! I'm so happy that you cruised to planDisney with your question. Welcome!

    I am a BIG fan of credit card perks, and the rewards that come with a Disney Visa Card are pretty magical. You ask a great question, and after combing through the fine print on the Disney Rewards website, I think the date of purchase is recorded as the date you first book your cruise and pay your down payment (or any portion of the cruise fare). 

    In addition to the financing offer, you can look forward to some special savings when you set sail. You can receive discounts on select digital photo packages, merchandise, specific island experience packages, and even onboard spa treatments on port days. My favorite treatment at the spa is a facial. I love the relaxing experience and the way that my face just glows afterwards. 

    To ensure your savings opportunities as a Disney Visa cardmember, make sure to enter your Disney Visa Card as your form of payment during online check-in for all onboard purchases. When you are on the ship, your “Key to the World” card will indicate that you’re a Disney Visa Cardmember and eligible for the special perks. Make sure that you also mention your special offers to ensure you get the special savings. Please note that offers cannot be combined with other discounts, so if you are eligible for other discount opportunities, check to see which will offer the best savings for you. 

    Jill, if you have additional questions as you plan for a magical getaway at sea, I hope you'll sail back to planDisney any time. My pals and I will be here to help you. 

    Happy Planning, 

    Adrianna
thumbnail image for Adrianna

Meet the Panelist: Adrianna, California

Welcome, fellow voyagers! Like my favorite bibliophile princess, I want adventure in the great wide somewhere! I’m a wife, a mom of two, and my favorite way to find adventure is on board the Disney Cruise Line. I’d love to help you and your sailing crew plan for your own adventures, filled with magic and memories that last a lifetime. Learn More About Adrianna

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