Apply for disney chase credit card -
Good morning, I may be a few days late on this, but I had been following the news on chat of the new Southwest RR Priority Card that offers up to 65,000 bonus points plus a number of other features. We currently have a Chase Reserve which has worked extremely well for us, but am really contemplating opening this card as well.The Points Guy
Southwest Introduces Premium Credit Card With 65,000-Point Bonus
The airline is adding a third personal card to its co-branded credit card portfolio, and the sign-up bonus counts toward the coveted Companion Pass.
The bonus is obviously substantial, but the companion pass has caught my eye as well. I know many Liners on here have strategized the timing of the companion pass and I’m wondering if you guys can walk me through it. I’m currently pregnant and due this fall so don’t have any current trips in the near future, but want to fly to WDW in Oct of 2019. Do I open the card now and then hope to hit 100,000 points by January in order to get the companion pass for all of 2019? Is that how it works? (I think the offer expires 8/2 but will look further.)
Thanks! I’m happy to use a referral code from the list as well. Also - what is the ballpark number of tickets that 65,000 would buy?
Chase credit card
Get the Citi Double Cash, then use your cash back rewards to buy Disney gift cards.
Best cards I've found by category:
Restaurants and travel: Uber Visa from Barclays, 4% back at restaurants, 3% back on airfare and hotels, no annual fee
Groceries and gas: AmEx Blue Cash Preferred, 6% back on groceries, 3% back on gas, $95 annual fee (worth it for the 6% on groceries)
Amazon: Prime Rewards Visa from Chase (only if you're a Prime member anyway), 5% back at Amazon.com
Everything else: Citi Double Cash card
I think you'd be better off with the Uber card. 3% on travel is better than Southwest's 2 points per dollar spent, and it's redeemable in any form (i.e. cash back).
1LE McQueen said:
I actually thought about it, but figured it would be much better to accumulate air points with a Southwest credit card and that overall would be the better choice for lifestyle.
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Disney's Visa® Cardmembers
The Disney Rewards® Redemption Card is used by Disney's Visa® Cardmembers to redeem Disney Dream Reward Dollars® for Disney goods and services. To learn how to order a Disney Rewards Redemption Card or to transfer Disney Dream Reward Dollars, click here.
Cardmembers save 10% on select merchandise purchases of $50 or more at DisneyStore.com and Disney Store locations.
To receive the discount at DisneyStore.com:
1. Log in to DisneyStore.com and place eligible items you wish to purchase in your cart.
2. Once you're finished shopping, go to the Shopping Cart page. You can get to this page via the Shopping Cart icon in the top right header area of the site.
3. Type DRVCMEMBER in the Special Offers and Discounts field below the list of items in your cart. Then click Submit.
4. Click Checkout and proceed through the Checkout process. You may be prompted to confirm your Shipping and Billing information.
5. At the Payment Page, if you are paying with your Disney's Visa Card, select Credit Card in the Payment Method section at the top of the page and enter your name, card number and expiration date in the required fields. Then click Complete Purchase.
6. If you are paying with your Disney Rewards® Redemption Card, select the Disney Gift Card or Disney Rewards Redemption Card option at the top of the page and enter your Disney Rewards Redemption Card number and expiration date in the highlighted fields. Click Complete Purchase to complete your transaction.
Note: The balance on your Disney Rewards Redemption Card will be automatically applied toward your purchase amount. If the balance on your Disney Rewards Redemption Card exceeds your purchase amount, your credit card will not be charged. If the balance on your Disney Rewards Redemption Card does not cover the entire amount of your purchase, you can use another form of payment, including your Disney's Visa Card, for the remaining balance.
For in-store ordering, simply use your Disney's Visa Card or Disney Rewards Redemption Card to receive the discount
Explore Credit Card Benefits
Unlimited Rewards, No Expirations
There's no limit to how much cash back or travel miles you can earn with Capital One rewards credit cards. Plus, your rewards won't expire for the life of the account.
Earn travel miles on every purchase. Book through any site or service and redeem for any flight, car rentals, hotels, ride-sharing apps, cruises and more. Compare travel rewards cards
Earn cash back on every purchase, every day. Redeem your cash back for any amount at any time for the life of the account. Compare cash back cards
Redeem your rewards to lower your account balance.
Get Gift Cards4
Redeem rewards for gift cards with your favorite merchants.
Transfer Your Miles5
With our travel rewards cards, you may be able to transfer miles to one of our 10+ travel partners.
All About the Disney Visa Card Character Opportunities
There are many advantages to having the Disney Visa Card such as the Character Experience that you will find at Epcot. During our visit, I was happy to learn that the experience is currently open at two parks at Disney World.
What is the Disney Visa Card?
Chase Bank currently offers two different Disney-branded credit cards.
The more basic of the two is the Disney Visa which includes no Annual Fee.
The Disney® Premier Visa® Card includes a $49 Annual Fee.
The Disney® Premier Visa® Card gives a $200 statement credit after spending $500 in three months, whereas the Disney® Visa® Card gives a $50 statement credit after first purchase with a new Disney Visa Card.
Both cards give back a 2% back at restaurants, gas stations, supermarkets, and Disney purchases with 1% on other purchases.
Personally, I find the Disney® Premier Visa® Card great for our Disney family as we frequently visit the theme parks.
On the other hand, I believe that the Disney® Visa® Card is better for people who plan to visit the parks infrequently.
There are no limits to the number of Rewards Dollars you can earn. This is my favorite part of having the card.
For example, I mostly place all our purchases on this credit card and in almost a year, I have already accumulated $900.00. I tend to save our Reward Dollars for when we visit Walt Disney World as well as when we sail on the Disney Cruise Line.
When it is time for me to use the Reward Dollars, I simply transfer them to a Disney Rewards Redemption Card that is mailed when requested.
I have utilized the same Redemption Card for the last couple of years.
The Disney Reward Dollars becomes our fun money that we spend during our vacation without having to dip into our savings or checking account.
Having the Reward Dollars allows these funds to act as a vacation savings fund and let me tell you that the rewards end up racking up very quickly into quite a nice chunk of change!
Card Member Perks
The Disney Visa Card website provides you an array of information regarding the card itself and the many different perks for being a member.
You can find the information here.
Card member perks range from the various Disney parks, the Disney Cruise Line, Aulani, Shop Disney and many others.
One of our very own writers, Maggie wrote an article on the benefits and perks of having a Disney Visa Card.
Click here to read her very informative article.
Disney® Visa® Cardmember Photo Opportunity at Hollywood Studios
Today I want to focus on one of two different Disney Visa Cardmember photo opportunities at Walt Disney World.
The first photo opportunity is located outside of the Star Wars Launch Bay in the Animation Courtyard at Disney’s Hollywood Studios.
All you must do is show your Disney Visa Credit Card from Chase for entry. The photo experience is available daily from 11:00-4:00 pm.
The complimentary photo downloads will be digitally enhanced with Star Wars Characters appearing right next to guests.
Disney® Visa® Cardmember Photo Opportunity at Epcot
The character opportunity that I was able to experience during our trip to Epcot was the one that is located in Future World next to Journey Into Imagination With Figment.
It was a perfect opportunity to find Winnie the Pooh looking for butterflies. Then I rode the Figment attraction before heading over to the photo opportunity next door.
Upon entry, I showed my Disney Visa Card to the PhotoPass Cast Member.
He then asked me to follow him throughout four different backgrounds where I was told to stand in different poses.
When we reached the last background, I was told that the last picture would include some Disney friends.
My complimentary photo downloads were digitally enhanced and appeared in my Disney PhotoPass on MyDisneyExperience App.
The hours for this Character Experience is 1:00pm – 7:00pm.
I was really happy and surprised to learn that the Character Experience had reopened at both Epcot and at Hollywood Studios.
This experience is one of my family’s favorite photo opportunities as it is a private meet and greet with a character.
For example, before the pandemic, one would either have the experience with Kylo Ren, Chewbacca or Darth Vader.
At Epcot, it was usually two of Mickeys friends that would meet for the photo opportunity.
In the past, we have had our pictures taken with Minnie, Mickey, Pluto and Goofy.
I definitely understand how during this time face to face meet and greets would not be allowed in the parks.
However, I do appreciate that Disney Visa card holders are able to experience this card member perk.
*At the time of my visit to the parks, guests were not allowed to take face masks for pictures. Recently, the rules have changed and guests are allowed to take mask less photos!
Do you have a Disney Visa Chase card? What are your experiences with the card? Have you taken advantage of the various card member perks that the card offers? Let us know in the comments on Facebook and in our Facebook group.
Chase Credit Card Application Status Explained: No Instant Approval, No Worries
You just clicked “submit” on your application for a new Chase credit card, and the few seconds it took to decide your fate felt like a lifetime. If you’re lucky enough to have received instant approval, you can rest easy knowing you’ll have your new card in a few days.
But that isn’t always the case. If you aren’t approved instantly and your Chase credit card application status is pending, don’t worry and assume the worst yet.
There are a handful of reasons why you might not have received an immediate approval from the credit card issuer. Even something as simple as a typo could send your credit card application to the “under review” pile. This additional review process generally takes anywhere from seven to 10 business days, although in some cases, it could take up to 30 days.
While it can be a drag, if you go in knowing what to expect, it might make the process a little more bearable.
What it means if your Chase application status is under review
It’s understandable to feel anxious after finding out you weren’t instantly approved for a credit card. You might even consider scouring your entire credit profile to identify what it was exactly that now requires further review.
Try not to overthink it. While instant approval is ideal, being notified that your application is under review doesn’t automatically mean you’re on the edge of being denied. Especially if you are applying for a business card, Chase may simply have additional questions for you.
As your application undergoes further review, Chase will consider the following to make a decision:
- Credit history
- Housing status
- Number of recently-opened credit cards
It’s generally all the same information normally used to make a decision, but since the criteria required to trigger an instant approval may not have been met, someone at Chase will have to take a closer look manually.
Once a decision is made, you’ll likely be notified by mail or email as to whether or not you were approved. If you were approved, you’ll find out what your credit limit is and when to expect your new card in the mail.
It’s also possible that Chase will request additional information to assist in the decision-making process. This could be anything from proof of income to correcting mistakes that may have been made on the initial application.
Chase business credit card applications
If you’re applying for a business credit card from Chase, it’s likely you won’t be instantly approved. The Chase Ink business cards are very popular, especially with those who also have other Chase cards that earn Ultimate Rewards, as you can pool your points across your accounts. With generous sign-up offers, high rewards rates on purchases, and spending power that’s valuable to any business, there is little wonder why so many people apply for these powerful small business cards.
But getting approved for a business card is a little more complicated than for a consumer card. There may be more information than your credit history that needs to be verified, which can result in a longer waiting period when it comes to an approval decision. A recent call to Chase Ink Business’ customer service revealed that they receive so many applications that it takes at least seven to 10 business days to review all the information before a decision is reached.
If you’re worried about the time it’s taking to get a response from Chase about your business credit card application, calling customer service is your best bet. Don’t call the reconsideration line unless you’ve received a notice that your application was denied. Doing this will possibly result in more questions to answer while your application is still under review, which unnecessarily complicates the process. Sometimes just waiting to hear from Chase is the best strategy.
How to check the status of your Chase application
If you find you’re too eager to await the decision, you can actually check your Chase credit card status as often as you want by logging into your account or calling for an update.
Check Chase application status online
To check your credit card application status online, visit Chase.com, log in to your Chase account, and click the icon in the top left corner to pull up the main menu. From there, under “Explore Products,” you should see the option “Application status.” This will open up your application activity.
Check Chase application status by phone
The other option is to call customer service for Chase credit cards and go through the automated system or speak to a representative directly. To check the status of personal credit cards using the automated system, call the status line phone number: 1-800-432-3117. Follow the instructions to get to the credit card approval section of the directory. Once there, you’ll need to enter your Social Security number to retrieve the application.
For business credit cards, call this phone number to check the status of your application: 1-800-453-9719.
How to improve your chances of being approved
The criteria you need to qualify varies from card to card, but there are a few things you can do that can help set you up for success.
- Improve your credit score: Since it’s one of the leading factors of whether or not you’ll be approved, you should know if your credit score aligns with the credit card you’re applying for. If it means having to wait a little longer, it might make sense to work on improving your score to increase your chances of being approved.
- Be mindful of credit utilization: Chase is going to look at whether or not you’ve been handling your credit responsibly, and this includes checking how much credit you’re currently using. If you’re maxing out credit cards or carrying over high balances month to month, they’ll see this as a red flag.
- Keep the Chase 5/24 rule in mind: Chase has been known to operate under a little rule called Chase 5/24. Though these sorts of application rules are unofficial, this one pretty much means if you’ve signed up for five new accounts in the past 24 months, you stand little chance of being approved for a new credit card within that time frame. This includes all credit card accounts from all credit card issuers — not just Chase.
If your Chase credit card application is denied
Unfortunately, it happens. If your application is denied, consider calling the Chase reconsideration line, which is 1-888-270-2127. There’s no guarantee, of course, but it may be worth trying if your circumstances have changed or you wish to further explain something on your application.
If you can’t persuade them in your favor, you may have to focus on what you can do yourself to improve your chances going forward. Depending on your situation, this might mean taking some time to improve your credit score, reduce debt, or let the dust settle if you’ve recently applied for multiple cards.
Alternatives to Chase cards
If you aren't approved for a Chase card, you may still have some options, depending on your situation. If you have a decent credit score and you're over 5/24, you might want to consider applying for a credit card from a different issuer. For instance, The Platinum Card® from American Express is a top travel rewards card that offers comparable — and maybe even better — perks than the Chase Sapphire Reserve card.
As a new Amex Platinum cardmember, you can earn 100,000 Membership Rewards points when you spend $6,000 in the first 6 months. Plus, this rewards card offers 10X Membership Rewards points on restaurants worldwide and when you Shop Small in the U.S (on up to $25,000 in combined purchases during the first 6 months, after that 1X). Amex Platinum cardmembers also get top-tier benefits like airport lounge access, elite status with Marriott Bonvoy and Hilton Honors, a statement credit for TSA PreCheck or Global Entry, and Uber VIP status. While it does have a hefty annual fee of $695 (See rates and fees), it's possible to offset that cost if you can take advantage of this card's many perks. Note that select benefits require enrollment.
If you have less-than-stellar credit, but you're working toward improving it, the Capital One QuicksilverOne Cash Rewards card may be worth considering. It's arguably one of the best credit cards for fair credit because it earns cashback rewards. Typically, it's difficult to get approved for a rewards credit card with fair or average credit, but this card is often an exception to that rule. It carries a reasonable $39 annual fee, and you get unlimited 1.5% cash back on every purchase. Plus, you'll also automatically be considered for a credit line increase every six months, which may help improve your credit utilization. With responsible use, you could be on your way to a better credit score over time.
Commonly asked questions about Chase application status
How long does it take to get approved for a Chase credit card?
While you may be eager to start taking advantage of Ultimate Rewards right away, credit card approval timelines may vary. If you applied online or through your mobile device, you may receive an application decision within minutes. If you didn’t receive an immediate approval, the approval process may take 7 to 10 business days.
Does Chase have 24/7 customer service?
Yes. As an existing or prospective Chase customer, you can call Chase credit card support and speak to an agent 24 hours a day, seven days a week at 1-800-432-3117.
Does Chase ever approve credit card applications instantly?
In some cases, you may receive an instant, or same-day, credit card approval online, if you are eligible. Some cards will even enable you to earn bonus points by spending money soon after your account opening. Alternatively, you may receive an email saying more time is needed or that you need to call in with more information. If you don’t receive an instant credit card application decision, you can always reach out to a Chase credit card support agent at 1-800-432-3117 for an update.
Is it hard to get approved for a Chase credit card?
Approval for a Chase credit card will vary with the card being applied for and with each applicant. Some Chase cards, like the Chase Sapphire Preferred, Disney Visa, and the Chase Freedom Unlimited, require a good to excellent credit score. Other cards require a fair credit score. Other factors, such as income and existing debt, are also used to determine credit card approvals. The best way to improve your odds of being approved for a Chase credit card is to work on raising your credit score.
Can I apply for the Chase Freedom Unlimited if I have the Chase Freedom?
Yes, you can apply for the Chase Freedom Unlimited credit card, even if you already have the Chase Freedom card. These rewards credit cards are two separate Chase products with different rewards structures. That said, be aware that Chase does keep an eye on how many cards you’ve been applying for overall, so you may want to read up on the 5/24 rule.
Can you have two Chase business cards?
Chase doesn’t have any documentation when it comes to how many Chase business cards you can have. So while we don’t know the maximum number of Chase business cards you can have, you can definitely have more than one. However, before you apply for two Ink Business cards, consider Chase’s 2/30 rule.
The Chase 2/30 rule is an unwritten policy backed up by many data points in the points-and-miles community. It indicates that if you’ve been approved for two Chase cards within the past 30 days, you’re not likely to be approved again. So if you've added the Chase Ink Business Preferred and the United Club Business cards to your wallet in the past month, it's unlikely you'll be approved for another business credit card. Some sources report that the limit is two consumer cards and one business card.
Since this is a generalized guideline and not a concrete rule, experiences may vary. But if you don’t want to risk too many hard inquiries to your credit report, it’s a good idea to keep the 2/30 rule in mind before submitting your application and when evaluating your chances of approval.
The bottom line
Getting denied for a credit card stinks, but it doesn’t mean it’s the end of the road. If you have your heart set on a specific Chase card, go through your credit report and locate any weak points that may have been a factor in their decision. Use this as an opportunity to see where you can improve and start making moves. If you’re open to applying for a credit card from a different issuer, several other options offer valuable perks like cash back and no annual fees.
Matt Miczulski Matt Miczulski is a personal finance writer specializing in financial news, budget travel, banking, and debt. His interest in personal finance took off after eliminating $30,000 in debt in just over a year, and his goal is to help others learn how to get ahead with better money management strategies. A lover of history, Matt hopes to use his passion for storytelling to shine a new light on how people think about money. His work has also been featured on MoneyDoneRight and Recruiter.com.
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