N092 Hurricane Ian Update, Return of Disney After Hours, DCL drops vaccine requirement, and EPCOT Holiday Announcements - a podcast by Shannon Ford, Peter Scheidle and the My DVC Points Community

Pete, Vicky, and Sue discuss the impact of Hurricane Ian in Orlando. Disney also announced Disney After Hours events are returning to Magic Kingdom and Hollywood Studios in January 2023. Disney Cruise Line is dropping the vaccine requirement for passengers on upcoming cruises. EPCOT revealed details of the EPCOT International Festival of the Holidays and the full list of celebrity narrators for the Candlelight Processional. N092

Season 10 of the My DVC Points Podcast was brought to you by:

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Please note this post has affiliate and personal referral links to credit cards.

Special Guests from the YouTube Credit Card Creator Community

• Anthony Venture - "Providing Value by Helping YOU Achieve Life-Changing Vacations Completely For Free With Credit Card Points & Miles!"





• Chad's Money Minutes - "My mission is to simplify investing and empower you with knowledge for smart financial decisions. Discover budget-friendly travel, credit card strategies, and other personal finance tools for optimizing your financial well-being."

How We Evaluate Reward Cards (Academic Scale: A+ to Fail)

• Earning Power





• Redemption Values





• Ease of Redemption





• Flex / Joy of Use from the Card





• Other Perks





• Lounge Access (Orlando and LA + Home Airports)





• Travel Insurance on Flights and Rental Cars

Chase Offers 3 Co-Branded Cards with Disney

1. Disney Visa Card - No Annual Fee Credit Card:

• https://disneyrewards.com/





• Flat - 1% back everywhere.  Awarded as Disney Dollars.





• 3% Foreign Transaction Fee. Normal for Chase No Annual Fee Card





• Sign Up Bonus - $150 statement credit for $500 spent.





• 0% Financing on Major Disney Purchases and DVC Downpayments

2. Disney Premier Card - $49 Annual Fee:

• https://disneyrewards.com/





• 5% back on Disney+, Hulu, ESPN+ or the Disney Bundle of Streaming





• 2% back on Grocery Stores, Gas, Dining, and all things Disney





• 1% back on everything else.





• 3% Foreign Transaction Fee - this is strange for a Chase card with an Annual Fee





• 0% Financing on Major Disney Purchases and DVC Downpayments





• $14.99 a month credit for the first three months of Disney Plus Bundle





• Another redemption method is to charge airfare to the card and pay yourself back.  (However, the card's travel insurance is OK - it’s not a travel card).





• Sign Up Bonus - $300 statement credit for $1000 spent.

3. Chase Disney Visa Debit Card - Free with a Chase Checking Account:

• https://disneydebit.com/





• Available with almost every checking account.





• No additional fees for a Disney debit card





• Other than 0% financing for six months on major Disney purchases, you get all the other perks and benefits.





• This doesn’t impact your credit profile, Chase 5/24 status, or other credit cards.





• $200 sign-up bonus for a New Checking Account with direct deposit and transactions





• Chase ATMs are everywhere at WDW and Disneyland - very accessible.

Earning Rates: C-

• Premier Only
  
  
  
  • 2% back is the max you will earn.  That’s the minimum in my ideal setup.
  
  
  
  
  
  • You must spend $4,900 in 2% categories yearly to make up the annual fee.
  
  
  
  





• 1% back is better than nothing, but that’s still unacceptably low.





• 2% back should be the minimum you accept for all categories. You can get a Citi DoubleCash, Wells Fargo Active Cash or Capital One Venture series to earn 2% on everything.

Redemption Notes: C- 

• Earn Disney Dollars - a currency transferable to a gift card you can use at most Disney locations.  You can buy park tickets, APs, DVC dues, meals, etc.





• There is a $10 minimum transfer amount to the redemption card. This requires at least $1,000 of spending on a Disney Visa or $500 in 2% categories on a Premier card.





• Getting the card in the mail, replacing cards, and transferring the rewards are incredibly annoying compared to any other cash-back card program that gives a statement credit or wires the money to your checking account. However, for most Disney fans, once you have the loaded card, it's as easy to use as a Disney Gift Card on your vacations.





• Redemptions are locked in at one cent per point. We're not opposed to 1 cent per point redemptions. However, the Chase Disney program does not have any opportunities for outsized value. Flexible travel reward cards readily offer 1.5 cents per point or higher. 5-10 cents per point is possible with international business flights.

Flex Factor / Joy of Using the Card: A+

• You can choose from 10 to 12 officially licensed Disney characters on your card. The cards are not exclusive or hard to get but very unique. The Disney cards become talking points with cashiers and customers when they see your Disney character credit card.





• A small dose of Pixie Dust every time you pay—this joy is undeniably incredible for any Disney fan.





• As a Disney fan, the daily joy of using cards with Disney characters must be recognized. However, there are also a lot of emotional benefits that come with using a luxury travel card like the American Express Platinum or Chase Sapphire Reserve. Metal cards feel special. Many people love the prestige of using a high-end credit card.

Other Perks: Nice for Disney Park Fans but Easily Replaced

• In-Park Character Meets
  
  
  
  • Chase hosts a Darth Vader meet-and-greet in Disney's Hollywood Studios (inside Star Wars Launch Bay) and Disneyland near the DVC Member Lounge. Darth is one of the absolute best meet-and-greets at Disney.  He’s the ultimate villain character and offers a highly intimidating presence.  It’s awesome.
  
  
  
  
  
  • Chase offers classic character meets in Epcot near the exit of the Figment Ride and Pixar shorts theatre. You'll also find character opportunities in Disney's California Adventure near the classic Hollywood area.
  
  
  
  
  
  • Lines for the Chase meets are usually very small and move quickly - quite often, you’ll be the only person there.
  
  
  
  





• Discounts: The discounts are only helpful if you don’t have Disney Annual Pass or DVC Membership Extra discounts.  When you compare discounts at MousePerks.com, Disney Visa holders only have about 10% of the discounts available to passholders or DVC members. None of the Disney Visa discounts are exclusive.





• Disney Experience Promotions. When you hold a Disney card, you'll get special invites and mailers for Disney on ICE and theater experiences like when Disney Broadway productions are on tour.





• The first three months of Disney+ are free to new Disney Premier Card holders. However, you may get this free from Verizon. Amex Platinum offers $20 monthly streaming credit on Disney+ and other services. Amex Blue Cash Preferred has no annual fee and offers a $7 monthly credit on Disney+. (The bottom line is that this perk has diminished value since so many Disney+ promotions are readily available.)





• The Six Month Interest-free financing is noteworthy.

Chase Disney Visa and Disney Premier Visa A+ Super Power: Six Months No-Interest Financing

Pro: Both credit card versions offer six months of zero percent interest on Disney vacation purchases. Your trip to Disney World, Disneyland, Disney Cruise Line, or even the downpayment on a Disney Vacation Club contract can be financed for six months at zero interest on this card. Some people have the cash but keep it in an interest-bearing savings account for six months. Travel agents love selling vacations and offering this financing. Your DVC guide will promote using a Chase Disney Visa card as well. Using this card, you'll earn 1% or 2% on the vacation purchase AND get six months of no-interest financing. (In most retail transactions, you must choose between no-interest financing OR getting rewards on spend). This is the true superpower of the Disney credit card solution.

Con: For those of us in the credit card rewards space on team travel, we take issue with actually paying for travel. We argue that your other day-to-day spending rewards should ultimately pay for your vacation experiences. You may get six months without interest, but we're using higher earning cards on our day-to-day spending and getting our entire trip paid for with rewards - no financing needed. If you were to pay for your Disney Cruise on a Capital One Venture X, you would earn 2% on the cruise AND be able to redeem your rewards at 1 cent per dollar to cover the cost of the cruise AND enjoy airport lounge access AND have Visa Infinite level travel insurances and coverages. Alternatively, you could earn 1.5 to 5 points per dollar spent in the Chase Ultimate Rewards ecosystem and cash out the points at 1 cent per point to cover your Disney vacation.

Airport Lounge Access:  Fail

• The Disney cards do not offer any lounge access. The card perks are built for people who love Disney Vacations; however, they are not travel cards.





• Orlando International Airport has two priority pass lounges in Terminals A and B and a Plaza Premium lounge in Terminal C. American Express Platinum, Chase Sapphire Reserve, or Capital One Venture X will grant access to these lounges on departing flights. Any travel card offering lounge access to Priority Pass or Plaza Premium lounges will work at Orlando's MCO airport.





• Lounge access gets more complicated when visiting Disneyland due to multiple airport options. We're interested in lounges that aren't limited to a specific airline. We suggest checking the Lounge Buddy app for the most up-to-date information.
  
  
  
  • LAX - American Express has a Centurion Lounge in LAX's Tom Bradley International Terminal. Chase Sapphire holders have access to a video game lounge called Gameday.
  
  
  
  
  
  • ONT - Ontario has two Aspire Lounges available to Amex Platinum, Capital One Venture X, and Chase Sapphire Reserve card holders.
  
  
  
  
  
  • LGB - Long Beach airport does not have any lounges.
  
  
  
  
  
  • SNA - John Wayne airport only has American and United lounges.
  
  
  
  
  
  • BUR - Hollywood Burbank airport does not have any lounges.
  
  
  
  
  
  • SAN - San Diego has two Aspire Lounges available to Amex Platinum, Capital One Venture X, and Chase Sapphire Reserve card holders.
  
  
  
  

Card Insurances:  Fail

• Disney Visa card offers $500 of return protection. (Chase Sapphire cards offer $1000 to $10,000.





• $100 a day for three days of lost or delayed baggage coverage.





• Up to 1 year of extended warranty for purchases with three years or less from the manufacturer.

Bottom Line - Our Advice:

• If you travel to Disney Parks or Disney Cruise, you are a traveler. You owe it to yourself to investigate the perks and benefits of travel reward credit cards.





• Travel rewards cards have more earning power. 2% back on everything is the absolute minimum you should accept.





• Travel rewards cards have better reward redemption opportunities.





• Travel rewards cards have better travel insurance and purchase protection coverage.





• Travel reward cards have annual fees, but there are numerous ways to offset the fees.





• If you have a Disney Visa card, we don't recommend canceling the card; keep the card for the perks.





• If you have a Disney Premier card, consider downgrading it to the no annual fee card, but keep it for perks.





• If you don't have either Disney credit card, we recommend getting a Disney Debit card with a Chase checking account. They are free. You'll get 90% of the upside without impacting your credit profile. If you talk to a Chase personal banker, they can help you find a $200 bonus for opening a new Chase checking account.





• Once you get a Disney card, we recommend adding a digital version to Apple Wallet or Google Pay. The digital version works for all discounts and perks.

Affiliate and Referral Links to Card Mentioned in Today's Show (Help support the show by using our links when you apply).

• Chase Disney Visa (if you want the 6-month superpower feature)





• Chase Sapphire Reserve - Excellent Loung Access - Priority Pass with Restaurants and Visa Infinite coverages





• Capital One Venture X - Excellent Lounge Access - Travel Protections and Insurances from top-of-the-line Visa Infinite cards. $395 annual fee but easy to make it -$5 annual fee when you book through their travel portal.





• American Express Platinum - Ultimate Lounge Access Card and Coupon Book - $695 annual fee but $1400 of credits available

Return of After Hours in 2023 

Disney After Hours events will return to Walt Disney World Resort starting January 2023! These fan-favorite experiences are scheduled to kick off January 4 at Disney’s Hollywood Studios and January 9 at Magic Kingdom Park.

Disney After Hours are late-night, separately ticketed events that let you enjoy a Walt Disney World theme park for three additional hours after regular park hours, with treats such as ice cream, popcorn and select beverages included. The number of tickets for these events is limited, which means lower wait times and crowd levels.

Event tickets for Magic Kingdom Park and Disney’s Hollywood Studios can be purchased by all guests starting October 7, 2022, with prices ranging from $129 to $159 (plus tax). Guests of select Walt Disney World Resort hotels can begin purchasing Disney After Hours tickets as early as October 4. Eligible Disney Vacation Club members and Walt Disney World Annual Passholders can also purchase specially priced tickets for select dates.

Disney After Hours at Disney Hollywood Studios is scheduled from 9:30 PM to 12:30 AM, while the Magic Kingdom event is scheduled from 10:00 PM to 1:00 AM. However, ticketholders can enter the park at 7:00 PM, a few hours before the event officially begins.

Event DatePrice (Excludes Tax)Price for Passholders and Disney Vacation Club Members (Excludes Tax)Monday, January 9, 2023$135$105Monday, January 16, 2023$159$129Monday, January 23, 2023$145$115Thursday, February 16, 2023$159$129Monday, February 20, 2023$159$129Monday, February 27, 2023$155$125Thursday, March 2, 2023$159$129Monday, March 6, 2023$155$125Monday, March 13, 2023$155$125Thursday, March 16, 2023$155$125Monday, March 20, 2023$155$125Monday, March 27, 2023$149$119Disney After Hours at Magic Kingdom Park







Event DatePrice (Excludes Tax)Price for Passholders and Disney Vacation Club Members (Excludes Tax)Wednesday, January 4, 2023$145$115Wednesday, January 11, 2023$129$99Wednesday, January 18, 2023$139$109Wednesday, January 25, 2023$145$115Wednesday, February 15, 2023$149$119Wednesday, February 22, 2023$149$119Wednesday, March 8, 2023$149$119Wednesday, March 22, 2023$149$119Wednesday, March 29, 2023$145$115Sunday, April 2, 2023$139$109Wednesday, April 5, 2023$149$119Wednesday, April 19, 2023$145$115Disney After Hours at Disney's Hollywood Studios

Source: Disney Parks Blog

Festival of the Holidays and Candlelight Processional Celebrity Narrators announced

EPCOT International Festival of the Holidays has been announced to run from November 25th to December 30th. Celebrity narrators for the Candlelight Processional have also been announced:

• 11/25 – 11/26: Simu Liu (NEW)
• 11/27 – 11/29: Edward James Olmos
• 11/30 – 12/1: Raul Esparza (NEW)
• 12/2 – 12/3: Whoopi Goldberg
• 12/4 – 12/6: Isabella Rossellini
• 12/7 – 12/9: Daymond John (NEW)
• 12/10 – 12/12: Josh Gad (NEW)
• 12/13 – 12/14: Gloria Estefan (NEW)
• 12/15 – 12/18: Neil Patrick Harris
• 12/19 – 12/20: Mariska Hargitay (NEW)
• 12/21 – 12/23: Cal Ripken Jr.
• 12/24 – 12/26: Marie Osmond
• 12/27 – 12/28: Courtney Vance
• 12/29 – 12/30: Angela Bassett

World Showcase will also offer 16 specialty food booths as well as special treats at other locations around World Showcase. 

Source: Disney Parks Blog

Disney Cruise Line drops vaccination requirements

For cruises on Disney Dream, Disney Fantasy, Disney Wish, and Disney Wonder beginning October 14, full COVID vaccination is not required but highly recommended according to Disney Cruise Line’s website. Unvaccinated passengers aged 5+ must provide proof of a negative COVID test taken within 2 days of the sail date, through an observed antigen test/lab-based PCR test. Vaccinated guests and children under the age of 5 are not required to test.

The same applies to Disney Magic cruises beginning November 7. The liner will be visiting ports of call in Bermuda and Canada in October, which have their own requirements, though Canada is lifting entry restrictions on October 1.

Source: Cruise Mapper, Disney Cruise Line website

Another MVMCP has sold out

The Mickey's Very Merry Christmas Party on November 8th has sold out.  This is the first party scheduled and the second to sell out.

Source: Walt Disney World website

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