How Do I Pay My Disney Vacation Club Annual Dues?

As we reach the end of the year, the inevitable is coming, DVC Annual Dues. We already received the projections for 2021 dues, and most of us already know how we prefer to pay ours. According to the Disney Vacation Club website, statements will be posted on or after December 17, 2020, and the due date for payments being made in full is January 15, 2021.

For the newer members out there or maybe those who just need a refresher, let’s review the options you have for paying your annual dues.


Pay one lump sum online

You can do this on the member site using a bank account, credit card, or our personal favorite, gift cards. Many members find gift card deals throughout the year and stockpile them for dues. We personally find Disney Gift Cards to be a great gift for us when family members ask, and we usually use a Target Red Card for 5% off any additional gift cards we need. It’s like getting 5% off your dues! There are other gift card deals to be had as well, and purchasing your gift cards with a rewards credit card can help you add even more savings.

Pay one lump sum on autopay

This is a new feature that DVC has started offering. If you prefer the set it and forget it scenario, you can set up an autopay to automatically pay your dues in a lump sum yearly. Note that this feature is not an option for those who choose to make monthly payments. Personally, I’m not too fond of this method for a few reasons. First, you are missing out on valuable gift card savings. Second, most credit cards expire within three years, so you will still need to re-setup your autopay every few years. Since it only occurs once a year, you will only get to use this feature one-three times before you have to make changes.

Pay monthly

If you opt for the monthly payment, it will take your yearly dues and spread them out over 12 payments. This is convenient if you don’t want to shell out the entire bill at once. The downside here is that in order to enroll in monthly payments, you can only use a bank account from the United States (so this leaves out our international friends). You do not have the option to use a credit card or gift cards.

Mail a check

If you are not interested in dealing with paying dues online, you still have the option to mail in a check. If you usually choose this method, it is important to note that there is a new address to send your checks: 28397 Network Place Chicago, IL 60673-1283. Checks are no longer being accepted at the old PO Box or the Celebration, FL address after March 30, 2021. Even though there is some time built-in, it’s probably best to mail to the new Chicago address.

Call and pay by phone

You can also call Member Services to pay your bill. Be sure to have your preferred method ready, and remember if you are setting up a monthly payment, you will need a US banking account. The phone number is (800) 800-9800.


While dues are due January 15, 2021, you have until February 14, 2021 (Happy Valentine’s Day!) for your payment to hit your account before you incur any late fees. As of February 15, 2021, you will have late fees and interest that will accumulate each month on any past due balance.

If we can chalk up anything good from 2020, it will be that this yearly right of passage as DVC Members won’t sting quite as much this year thanks to a small rebate/credit being applied to 2021 Annual Dues due to the events of this past year. My best advice is to enjoy the holidays and then worry about this payment once the new year rolls around.

7 thoughts on “How Do I Pay My Disney Vacation Club Annual Dues?

  • December 15, 2020 at 10:12 am
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    We pay monthly, but I was wondering if we can call and pay off that balance at anytime? In the meantime, I’m going to start collecting gift cards from Target now for the 2022 dues.

    • December 15, 2020 at 10:23 am
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      I’m sure you can probably call and pay off the balance… Disney loves to take your money! Lol

  • December 15, 2020 at 1:22 pm
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    We’re on the monthly plan, but pay using Disney GCs every 2-3 months. Just before they take out a payment, I go online and pay using the GC. I get the $200 GC from Target (pay $190), and apply it all towards dues. They apply it to each monthly payment, so I just repeat the process before the next payment is due in about 3 months.

  • December 15, 2020 at 1:39 pm
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    Throughout the year I’ve bought Disney gift cards using Amex Offers at Shoprite. I’ve purchased $425 worth of gift cards and actually only spent $375. But those $375 were cash back rewards dollars through my Chase Freedom card. So honestly I don’t spend anything out of pocket on my dues. 🙂

  • December 15, 2020 at 2:28 pm
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    I just bought gift cards at a grocery store, using a credit card with 5% Bonus category. Plus card let’s me pay grocery Transactions *with* points on the statement at a 125% point exchange. Plus grocery store has double gas coupons for gift card purchases!! … If only you could buy DVC with gift cards (I tried)… Hehe.

  • December 15, 2020 at 5:10 pm
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    Mickey needs a new costume lok

  • December 15, 2020 at 8:44 pm
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    If you have a Disney Visa card, you can use the Disney Rewards dollars you earn to pay dues. Just be sure to leave enough time for the initial Rewards card to be mailed to you, then you can transfer Rewards dollars to the card online any time.

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