Ok, so I'm guessing you are aware that you can book Disney rooms and tickets through Chase to get the 1.5 cpp rate from the CSR and that's why you got it. That's a good start. As we discussed earlier you can transfer points from your UR earnings card(s) to your DH's CSR to get the most out of that. Since you're not up for the double dip, unfortunately referrals from DH wouldn't be helpful in getting a CSP. In this case you can only generate a link for the CSR and not a product family. However, you may be able to get support from others in your various travel groups just as you may have supported someone in your FI group. So still worth checking the app to generate a link from DH's card.
If you're booking a package you can work it so that you can delay paying with your points until final payment to give you more time to amass points. If doing it separate you can still book the room through the portal and then get tickets later, per your current plan. I'd check discount ticket sites to compare getting the discount and then cashing out points to reimburse some (from whatever programs you have) vs. buying tickets through Chase at face value from Disney but using the 1.5 cpp discount from whatever UR points you may have at that point.
As for your question on getting the Disney visa card, counter intuitively, our advice will most times say no
It's not a great earnings card so mostly we'd recommend going for better earning cards first. The real value in a Disney card is the perks and the 0% financing for 6 months on vacation packages or cruises (and a few other select bookings). The no fee version only earns 1% everywhere unless they run their rare promotions. The $49 fee version gets you 2% back on grocery and Disney purchases, 1% everywhere else and a perk for cashing out points to cover airfare, which you wouldn't use. They both earn Disney rewards dollars that can only be spent on Disney products. So even the Freedom Unlimited card has a better earning rate at 1.5% and since it's a UR earning card you can transfer those points to the CSR if that works into your timeline. If all you want it for are the perks(like discounts and special photos), then you can look at opening a Chase checking account and get the Disney debit card. Has all the same perks as the Visa except for the financing but doesn't use one of the 5/24 slots. Plus, if you're eligible for the checking account, most times you can get a cash bonus for opening it either the same or better than the bonus for the credit card. Chase banking account are not in every state, but if you can swing it can be the best of both worlds. If not, then I don't think Disney is subject to the 5/24 rules so you could still pick it up later. (someone will fact check me on that one, but I'm pretty sure
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In addition to cash or points credit cards for paying for some spending money, have you looked into bank account bonuses yet? Like I mentioned for Chase, there are a number of banks that provide sign up bonuses for opening accounts. It's considered interest, so it's taxable income, but can be worthwhile to generate some cash for doing things you may need anyway - like opening the Chase account for the debit card. If the bank isn't a good fit or the regular terms aren't as good as the promotional terms, you can always close the account later after all the terms are met. I feel it's a little more involved, but if you have some money you can float around it can get you more return than the current HYS or CD rates.
It is a lot to take in and work out, but fire away with questions and we'll try to help you out with your Disney plans.
Thanks but no thanks Chase, I don't need a POS payments processing terminal for my Disney card... sigh...
