Unfortunately, the Disney credit card isn't available in Canada at this time, though some Canadians can apply if they meet a few critical requirements.
However, a Disney card is out of reach for many Canadians. Luckily, there are several excellent Canadian credit cards that offer perks and can make your vacation more rewarding. In most cases, you'll earn better rewards or get better coverage than with the official Disney card.
Here, we've highlighted a few of our favourite credit cards to use on your next trip to The Happiest Place on Earth.
Key Takeaways
- Disney partners with Chase to offer two Disney cards, including one no-fee option and one premium card with higher rewards.
- Disney credit cards earn Disney Rewards you can redeem at various Disney-owned retailers, businesses, etc...
- To apply for a Disney credit card, you need an American address, Social Security Number, and bank account.
- The best Disney card alternatives for Canadians include the American Express Cobalt Card and Scotiabank Gold American Express Card.
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Is the Disney credit card available in Canada?
Unfortunately, Canadians can't apply for the Disney credit cards. Since these cards are issued by Chase, an institution that only provides cards to American customers, Disney cards aren't available in Canada.
There is a workaround that a few Canadians can make work, which is explained below. Generally, though, it's best to consider a different credit card for your vacation.
How to get Disney cards as a Canadian
It's tricky, but it is possible for Canadians to get American-issued credit cards, including the Disney credit card.
To do so, follow these steps:
- Have an American mailing address. U.S. credit card companies won't let you complete an application if your address isn't in the U.S.
- Have an American Social Security Number (SSN). Most banks and card issuers, including Chase, require a SSN in order to pull your credit score. If you don't have one, you won't be able to proceed with the application.
- Have a U.S. bank account. You'll need a U.S. bank account in order to pay your credit card bill, and you must be able to make the payments in USD, not CAD.
As you can probably guess, it may not be worth the hassle unless you already happen to have most of these things.
How good are the U.S. Disney credit cards?
While most Canadians won't be able to get a Disney credit card or any other American card, it's always interesting to see what credit cards in other countries have to offer.
Here's how the two Disney credit cards compare:
| Disney Visa | Disney Premier Visa | |
|---|---|---|
| Welcome bonus | $200 statement credit after | $400 statement credit |
| Annual fee | $0 | $49 |
| Rewards | Disney Rewards Dollars | Disney Rewards Dollars |
| Earn rates | 1% back in Disney Rewards on all purchases | * 5% back in Disney Rewards on purchases made directly on DisneyPlus.com, Hulu.com, or ESPNPlus.com * 2% back in Disney Rewards on gas, groceries, restaurants, and most Disney U.S. locations * 1% back in Disney Rewards on all other purchases |
| Redemption options | * Almost any purchase at Disney parks, resorts, and cruise lines * Disney movies at AMC Theaters * Purchases at DisneyStore.com | * Almost any purchase at Disney parks, resorts, and cruise lines * Disney movies at AMC Theaters * Purchases at DisneyStore.com * Airline purchases (any airline, any destination) |
| Perks and benefits at U.S. Disney locations | * Special vacation financing rates * 10% off select merchandise * 10% off select dining * Photo opportunities and free downloads * Limited-time opportunities just for card members | * Special vacation financing rates * 10% off select merchandise * 10% off select dining * Photo opportunities and free downloads * Limited-time opportunities just for card members |
One cool feature – you can select what credit card design you want, from these 12:
Best Disney credit card alternatives
While the Disney cards are fun, they don't really hold a candle to some of the best credit cards in Canada.
Here are the top Canadian alternatives to the Disney credit card:
| Credit card | Best for | Annual fee | Average earn rate | Learn more |
|---|---|---|---|---|
| American Express Cobalt Card | Travel | $191.88 | 4.5% | Learn more |
| Scotiabank Gold American Express Card | No foreign exchange fees | $120 | 2.45% | Learn more |
| MBNA Rewards World Elite Mastercard | Cash back | $120 | 2.86% | Learn more |
| Rogers Red World Elite Mastercard | No annual fee | $0 | 1.5% | Learn more |
Best credit card for travel: American Express Cobalt® Card
×9 Award winner 
$100 GeniusCash + Earn up to 15,000 Welcome Bonus Membership Rewards® Points.*
GC: $100
9x Award winner Average return rate: 4.5%
Rewards:
- 5 points per $1 spent on eligible groceries and restaurants (up to $2,500 spent per month)
- 3 points per $1 spent on eligible streaming services
- 2 points per $1 spent on eligible gas, transit, and ride share purchases
- 1 point per $1 spent on foreign currency purchases
- 1 point per $1 spent on all other purchases
The American Express Cobalt® Card is the best credit card for travel in Canada if you're looking to collect points, especially Amex points. We love the flexible redemption options the American Express Membership Rewards program offers – you can transfer them to Aeroplan or Marriott Bonvoy, redeem them for purchases, cash them in through the Fixed Points Travel Program, or one of several other high-value choices.
The annual fee is charged as a reasonable $15.99 per month, and the card has no income requirements.
Best no FX credit card: Scotiabank Gold American Express® Card
×3 Award winner GC: $100
3x Award winner Average return rate: 2.45%
Rewards:
- 6 Scene+ points per $1 spent at Sobeys, Safeway, FreshCo and more
- 5 Scene+ points per $1 spent on groceries, dining, and entertainment
- 3 Scene+ points per $1 spent on gas, select streaming services, and transit
- 1 Scene+ point per $1 spent on foreign currency purchases
- 1 Scene+ point per $1 spent on all other purchases
The Scotiabank Gold American Express® Card is a valuable card that doesn't charge foreign exchange (FX) fees. The typical FX rate charged by Canadian cards is 2.5%, and American cards charge up to 3% – which is what you'd pay with a Disney card for purchases made in Canadian dollars.
You'll also earn Scene+ points with this Scotia card, one of Canada's most popular rewards programs.
Best cash back credit card: MBNA Rewards World Elite® Mastercard®
×7 Award winner GC: $20
7x Award winner Average return rate: 2.86%
Rewards:
- 5 points for every $1 spent on restaurants, groceries, and select recurring bills (up to $50,000 spent annually per category)
- 1 point per $1 spent on all other purchases
While it does initially earn rewards rather than straight cash back, the MBNA Rewards World Elite® Mastercard® is still the best cash back card in Canada, with an exceptional 2.86% earn rate. It earns MBNA Rewards, which offers up to 0.83 cents per point (CPP) when redeemed for statement credits, aka cash back.
It also comes with 12 types of insurance coverage and exclusive World Elite Mastercard benefits to make your journey to Disney more convenient and luxurious.
Best no annual fee card: Rogers Red World Elite® Mastercard®
Average return rate: 1.5%
Rewards:
- Earn 2% unlimited cash back on all eligible non-U.S. dollar purchases if you have 1 qualifying service with Rogers, Fido, Comwave, or Shaw
- Earn 1.5% unlimited cash back on eligible non-U.S. dollar purchases
- Earn 3% unlimited cash back on all eligible purchases made in U.S. dollars
For those who are interested in the no-fee Disney card, take a look at the best no annual fee card in Canada: the Rogers Red World Elite® Mastercard®. When you're at Disney in the U.S., you'll get 3% unlimited cash back on all USD purchases, and up to 2% back on Canadian spending if you have qualifying Rogers, Fido, Shaw or Comwave services.
It's an uncommon feature of a no-fee card, but this Rogers card lets you redeem your cash back whenever you like, as long as you have $10 banked.
FAQ
Can Canadians apply for a Disney credit card?
While Disney credit cards aren't officially available here, there is a workaround for Canadians who want to apply for them. If you have an American address, an SSN, and an American bank account, you can apply for a Disney card – though it isn't guaranteed that your application will be approved.
What are the perks of having a Disney credit card?
The Disney Premier Visa allows cardholders to earn between 1% and 5% back in Disney Rewards, while the more basic Disney Visa provides a flat 1% back in Disney Rewards on all purchases. Both cards are eligible for exclusive vacation financing rates, plus other perks and benefits at Disney locations in the U.S.
Which credit card is best for Disney World?
The best credit card for a Disney vacation is the American Express Cobalt Card. As the best travel card in Canada, this card earns incredibly flexible American Express Membership Rewards at an average rate of 4.5%, includes impressive insurance coverage, and offers exclusive Amex perks, like access to the Amex Front Of The Line program.
What is the best Disney credit card for Canadians?
Unfortunately, Disney credit cards available for Canadian residents. You can choose to apply anyway if you have an American address, SSN, and an American bank account, or you can choose a Canadian-issued alternative. The best alternatives are the American Express Cobalt Card and Scotiabank Gold American Express Card.
Should I buy Disney gift cards?
Yes, buying Disney gift cards can be a good idea. Purchasing them from Canadian retailers and spending them at the parks helps you effectively avoid paying foreign transaction fees – around a 2.5% savings on each purchase. Plus, using gift cards could help you stick to a budget.
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