There is usually a bonus if you sign up and spend a certain amount in a set time period. There is no cash back per se, it is a Disney gift card you earn. And it's a low percentage, basically 1% back and even the more upgraded card (with an annual fee) isn't much higher, it's 2% on a few things. I have the basic no fee version and use it more for special offers for Disney Visa card members (such as resort discounts, some merch and dining discounts, etc). For cash back, you are better off with a different card that has higher cash back percentages. I have a better card from Chase for cash back that I can use how I want, not restricted to Disney.