Compared: Children's Place vs. Disney Credit Cards

The Disney Visa and Disney Premier Rewards cards offer pure vacation magic that you can earn for any purchase, whereas the The Children's Place card limits modest benefits strictly to its stores and site. Learn all the details in this comparison review.

The Winner

Disney's credit cards offer better discounts, more perks, and a more generous sign-up bonus

It's no contest.

Both Disney credit cards—Disney Visa and Disney Premier Visa—deliver 10% off select Disney and Star Wars merchandise at the Disney Store and DisneyStore.com, plus park discounts and special experiences for cardholders.

Cardmembers also get rewards points that can be redeemed for Disney and Star Wars merchandise and experiences, plus a generous sign-up bonus in the form of a statement credit.

Combine these rewards with the exclusive experiences and discounts the cards offer, and the Disney Visa and Disney Premier Visa can help you unlock the keys to the "magic" kingdom in a big way.

The Children's Place card, also known as the My Place Rewards Credit Card, can only be used on The Children's Place purchases.

While it offers shoppers discounts on purchases, there's not much else to boast about this one.

A store credit card really can't compare to a Visa you can use anywhere.

But it may be easier to get if your credit score is less-than-stellar.

Why You Should Consider These Rewards Cards

The Children's Place store credit card and the Disney Visa or Disney Premier Visa can help you shave some costs off the high price of raising kids with discounts on clothing, toys, and accessories.

Americans Love to Buy Toys!

These cards are ideal for Disney and Star Wars fans and families who shop for children's clothes

The My Place Rewards Credit Card and both Disney credit cards offer sign-up bonuses, rewards points, and discounts on merchandise.

Consider Disney Visa cards if you're planning a Disney vacation

To find out if one of the Disney Visa cards is the best fit for your family, consider these questions:

  • Do you have a credit score greater than 670?
  • Do you frequently shop at the Disney Store or DisneyStore.com?
  • Do you visit (or plan to visit) any of the Disney parks?
  • Do you pay off your credit card balance in full each month?

Would you like 0% financing for six months on a Disney Vacation Package or Disney Cruise?

If you answered yes to the questions above, then the Disney Visa Rewards cards could fit you like Cinderella's glass slipper.

The Children's Place credit card can help you save money on children's clothes

Think you might get more mileage out of The Children's Place credit card? Answer the questions below to find out.

  • Are you a frequent shopper of The Children's Place?
  • Are you looking to build (or rebuild) your credit rating?
  • Do you pay off your balance in full every month?
  • Would you like the convenience of making payments right in the store?

If you answered yes, then the My Place Rewards Credit Card could provide substantial savings when you need them most.

The Winner's Strengths

When you use the Disney Visa or Disney Premier Rewards Visa, you will earn 1–2% rewards, depending on where you shop.

These rewards can be applied toward Disney and Star Wars purchases.

Disney Visa cards beat Children's Place because you can use them anywhere

The Disney Visa and Disney Premier Visa rewards points multiply faster than 101 dalmatians because you can use the cards anywhere.

Earn 2% in Disney Rewards Dollars on card purchases at gas stations, grocery stores, restaurants, and most Disney properties when you use the Disney Premier Visa.

All other purchases earn 1%.

The Disney Visa gives you 1% on all purchases across the board.

So you can shop for toys and clothes anywhere and still earn points towards Disney merchandise and experiences.

You can cash in those rewards for magical merchandise or experiences that are virtually everything Disney, including theme park tickets, resort stays, and shopping and dining at Disney properties or on Disney Cruise Lines.

You can also take in a Disney or Star Wars movie at select theaters, redeeming your points for tickets.

And you can always use your points towards purchases online at DisneyStore.com or in Disney stores or outlets.

People love the special experiences for cardholders and 0% financing on their Disney Vacation package

Planning a Disney vacation? Ask your Disney travel agent how you can use your card for 0% financing on your big trip.

Disneyland is the Most Instagrammed American Attractions 2017

Plus, unlock the keys to the Magic Kingdom (and other Disney parks) with exclusive "meet-and-greets" and other Disney or Star Wars experiences certain to make your little princess or Stormtrooper smile.

Biggest complaints about Disney Visa cards surround foreign transaction fees and limits on rewards use

Planning to visit a galaxy far, far away? Or even just Disneyland Paris?

You might as well leave your Disney Visa at home or get hit with a 3% foreign transaction fee.

The Bank of America Travel Rewards card, on the other hand, has no foreign transaction fee.

Other customers pointed out they prefer a cash back rewards card, like the Amazon Visa, that pays you in money you can spend anywhere.

Counter-Argument

Save on the items your children really need with The Children's Place Card.

The Children's Place Card could be right for anyone looking to save on stylish clothes for kids

How does 30% off your first My Place Rewards Card purchase sound?

After that generous sign-up bonus, you'll receive another 20% off coupon when your card arrives in the mail.

You can stack the savings by using your card on heavily discounted clearance merchandise, sale items, or even with other coupons.

Plus, card members get free standard shipping every day from ChildrensPlace.com.

People love the My Place Rewards Card because rewards points turn into bigger savings

You'll earn 2 points for every $1 you spend with your My Place Rewards Card.

Each time you earn 100 points, The Children's Place sends you a $5 off coupon to be used within the following month.

Earn 200 points in one month, get a $10 off coupon. It's that easy.

Let's do the math: In 2017, the average family spent $284 on school clothing and accessories, according to a Deloitte survey.

Use your My Place Rewards Card and you could earn $25 off the next month—enough for a few more hoodies or even a winter jacket if you shop the sale racks.

The top complaint about the My Place Rewards Card is that it can only be used at The Children's Place stores, outlets, or website

Once your children outgrow their clothing lines, you may as well cancel the card.

(Since you're looking, Walmart offers a debit card good for everyday shopping to consider.)

Plus, the APR is cringe-worthy at 26.99%.

But if you've been making on-time payments, you may have built up your credit enough to qualify for a better card (like the Disney Visa).

How the Disney Visa credit cards compare to their top competitor

Disney Premier Visa The Children's Place Credit Card (aka My Place Rewards Card)
How high of credit score do you need? >670 >590
Average APR? 17.99% 26.99% variable
Annual fee? $0 / $49 $0
How big of sign-up bonus do you get? $50 / $200 30% off and then 25% off when your card arrives in the mail
How much do you need to spend to get the bonus? Any amount / $500 within the first 3 months Any amount
How many points do you get for every dollar? 1 point / 2 points on Disney purchases, plus at gas stations, grocery stores, restaurants 2 points
Any restrictions? None Can only be used at The Children's Place
If you spent $100 on the card, then how much would the points be worth in dollars? $1/$1 or $2 depending on where you used the card $2
How much would you need to spend on the card to make up for the fees (excluding APR/rates)? $0 / $4900 or $2450 in bonus categories $0

Bonuses and Benefits

Save money on your Disney vacation and earn cash back when you sign up.

Earn a statement credit when you start using your Disney Visa Rewards card

The Disney Premier Visa Card gives new cardholders a $200 statement credit after spending $500 anywhere within the first three months.

The Disney Visa gives you money even faster. Earn a $50 statement credit after your first purchase.

If you don't use the card immediately, you'll earn that $50 the first month you do.

Better than a magic carpet (well, almost!) Disney Rewards points can be redeemed for travel on any airline to any destination, even if you're not going to a Disney property.

Cards that show off your Disney personality. Show your love for Disney every time you make a purchase.

Choose one of 10 eye-catching designs, from Mickey Mouse to Yoda.

Revenue of Walt Disney's Parks and Resorts Worldwide

Get substantial savings on The Children's Place clothing and accessories when you need them most

The Children's Place card offers 30% off your first credit card purchase and another 20% off when your card arrives in the mail.

Shop the sales and you can stock your children's closets for back to school or summer vacation without spending a bundle.

Make it a fashionable birthday. Cardholders get a 25% off coupon delivered the month of their children's birthdays.

So go ahead and splurge on that party dress, matching shoes, and stylish choker.

Earn points, redeem coupons. For every $50 you spend, you'll earn a $5 off coupon for your next purchase.

Costs and Fees

"Do or do not" choose an annual fee.

The Disney Premier Visa carries an annual fee of $49, but the savings could still pay off for big spenders at Disney parks.

For Disney fans, the savings more than cover the annual fee

If you spend at least $4,900 on the card in one year (or $2,450 at double-points locations), you'll cover the fee.

Let's break this down: The average one-week Disney vacation costs about $3,485.

That's for a family of four staying at a moderate Disney property, purchasing Park Hopper tickets and the Disney meal plan.

These are all double points expenses.

That means, take one vacation and you've paid the annual fee with enough left over for a cheeseburger at Epcot's American Adventure.

Or you can book that same trip with your regular Disney Visa card—which carries no annual fee—and put $34.85 in your pocket to buy that Elsa dress or Stormtrooper costume.

The Children's Place card also has no annual fee.

Customer Service

There are few complaints here about either card.

Disney Visa cardholders love the rewards card they can use like a debit card on Disney merchandise

Disney and the card issuer, Chase Bank, make it easy to redeem rewards by providing cardholders with a reloadable Rewards card.

Use it just like a debit card on Disney property and other locations.

If you have any questions about your card, just call 800-300-8575 and speak to a representative who will provide the service for which Disney is known.

Make sure to call Comenity Bank for help with your My Place Rewards Card

Some customers make the mistake of calling The Children's Place customer service for help with their store card.

Cardholders actually need to contact Comenity Capital Bank at 866-254-9967, Monday through Saturday from 8 am to 9 pm Eastern Time.

Key Digital Services

Disney Visa Rewards and Disney Premier Visa Rewards cards make it easy to manage your accounts and check your rewards balance online.

Access your Disney Visa account and all your other Chase accounts through the user-friendly portal

Chase continues to improve the user experience on its website and through its app.

Disney's digital services stand head-and-shoulders above The Children's Place for ease-of-access and a user-friendly experience.

As a large bank, Chase has put countless resources into its website and app—and Disney Visa customers benefit from the investment.

Access your Disney Visa account (along with any of your other Chase accounts) with one click, or download the handy Chase app for on-the-go access.

The Chase site allows you to pay bills, manage your account, check your Disney Rewards Dollars balance, request a Rewards Redemption Card, and even book airline travel using your points.

You can also find a list of Disney restaurants, movie theaters, websites, and attractions that accept your Disney Rewards Redemption Card as payment.

Make sure to register your email address to get additional offers open only to Disney cardholders.

Get the basics to manage your Place Card account through Comenity Bank

Sign up for an online account to pay your bill, sign up for paperless statements, and check your balance on the go.

However, you'll need a separate My Place Rewards account to check your Rewards points balance, so you can't manage your rewards and your credit card account all in one place.

Frequently Asked Questions (FAQs)

  • How do you get started with Disney Visa?

    Getting started with Disney Visa is easier than finding your Prince Charming. But first, you have to know what you're looking for.

    Decide if you want the no-annual-fee Disney Visa for discounts, a $50 sign-up bonus, and 1% rewards.

    Or, opt to pay $49 a year to use the Disney Premier Visa, get 2% rewards in select categories, and a generous $200 sign-up bonus if you spend $500 within the first three months.

    Then, go to DisneyRewards.com, choose from one of 10 different card designs, and click "Apply."

  • How do you get started with The Place Card?

    It's easiest to apply for The Children's Place credit card in the retail store or The Children's Place outlet.

    Before you do, choose a day where you have a lot of shopping to do.

    You want to make the most of that 30% off on your first purchase.

    You can also apply online.

  • Is the Disney Rewards Visa card worth it?

    With a vast variety of travel rewards cards as well as cash back rewards cards available, Disney fans want to know if it's really worth tying yourself down to 2% rewards on limited categories that they can only redeem in certain places.

    But Disney fans report using their card year-round, booking airline travel to California or Florida for their Disney vacation, and getting a nice statement credit.

    You can also redeem rewards for your hotel stay at a Disney property, Disney meal plans, and more.

    For the diehard Disney family, the Disney Visa offers more than enough bonuses to make it well worthwhile.

  • Is The Children's Place card worth it?

    The Children's Place credit card has a high APR and a number of restrictions.

    But if you are working to build your credit, this card isn't hard to get.

    Plus, it provides discounts on The Children's Place purchases that you can't find in other ways.

    As long as you pay your My Place Rewards Card in full at the end of each month and leverage your rewards points for savings by using those $5 or $10 rewards coupons before they expire, this card can help you save money.

  • How do you cancel your Disney Visa card?

    First, make sure you use all your Disney Rewards Dollars so you don't lose them.

    Then call the number on the back of the card (800-300-8575), and tell the representative you want to cancel the card.

    If you have a balance on the card, make sure to keep making on-time payments.

    And keep in mind that canceling a credit card could lower your credit score.

  • How do you cancel your Children's Place card?

    To cancel your My Place Rewards credit card from The Children's Place, call Comenity Bank at 866-254-9967.

    Make sure you've used your rewards first or you will lose them.

Let your imagination soar with the Disney Visa or Disney Visa Rewards credit card

With generous sign-up bonuses in the form of statement credits, you'll look wiser than Yoda if you sign-up for either the Disney Visa or the Disney Premier Visa Rewards card.

If you have the credit score to qualify, the Disney Visa card offers more value, better rewards, and a card you can use anywhere to accrue points toward fulfilling your Disney dreams.

0% financing for six months on Disney Vacation Packages and Disney Cruise Lines makes it more affordable than ever to see your children's Disney dreams come true.

Once you start tapping into all the rewards and discounts, you may never want to "let it go."

(You were waiting for a "Frozen" reference this whole time, weren't you?)

You should consider these cards if you are raising a family and often shop for children's clothes and Disney or Star Wars merchandise and experiences.

The Disney Visa cards are stronger than The Place Card because you can use them anyplace.

Earn a statement credit when you start using your Disney Visa Rewards card.

For Disney fans, the savings more than cover the annual fee.

Disney Visa cardholders love the rewards card they can use like a debit card on Disney merchandise.

Access your Disney Visa account and all your other Chase accounts through the user-friendly Chase portal.

Do you use a Disney Visa or Disney Premier Rewards credit card?

How has the company worked out for you?

Any great tips (or nightmares) to share with the rest of us?

Let us know in the comments below.


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