We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Disney® Premier Visa® Card review

Last updated:  

Get strong Disney rewards and 2% cash back on everyday spending.

  • Get this card if you love everything Disney and want cash back on everyday purchases.
  • Pick something else if you want more cash back and don’t care about Disney rewards.
  • Recommended fair to excellent credit score of 670 or higher.

$200

Welcome offer

Up to 2%

Cash back

$49

Annual fee

0%

Intro Purchase APR

for the first 6 months on select Disney vacation packages (then to variable)

Details

Product NameDisney® Premier Visa® Card
Card typeVisa
Annual fee$49
Purchase APR0% intro for the first 6 months on select Disney vacation packages (then from 17.49% variable)
Balance transfer APR17.49% variable
Balance transfer fee$5 or 3% of the transaction, whichever is greater
Cash advance rate26.49% variable
Cash advance fee$10 or 3% of the cash advance amount, whichever is greater
Foreign transaction fee3% of the transaction value
Interest free periodUp to 21 days
Late payment feeUp to $37
Returned payment feeUp to $37
Additional cardholder fee$0
Rates & feesrates & fees

Expert review

Kliment Dukovski

Review by


Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

Fans of Disney and Star Wars can use this card to enjoy discounts at Disney resorts, on purchases from a Disney location and their online store as well as Disney restaurants and salons.

Also, you get to earn double rewards dollars at restaurants, gas stations, grocery stores and most Disney locations, plus you get special financing for Disney vacations. All this can make up for the card’s annual fee.

Another rewards credit card

Citi Rewards+℠ Card

  • The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 14.99% - 24.99%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
  • Earn 2x ThankYou® Points at supermarkets and gas stations for the first $6,000 per year and then 1x points thereafter. Plus, earn 1x points on all other purchases.
  • The standard variable APR for Citi Flex Plan is 14.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Read less
Read more

Disney® Premier Visa® Card vs. Disney® Visa® Card

The Disney® Premier Visa® CardThe Disney® Visa® Card
Annual Fee$49$0
Sign-up Bonus (after $500 spend in 3 months) after first purchase
Cash Back2% select categories, 1% elsewhere1%
Purchase APR17.49% variable17.49% variable

The perks

  • Signup bonus.
    Earn statement credit once you spend $500 in your first three months of account opening.
  • Disney reward dollars.
    Earn 2% in Disney rewards dollars on purchases at gas stations, grocery stores, restaurants and most Disney locations. Earn 1% on everything else.
  • Disney vacation financing.
    Get 0% intro APR for 6 months on select Disney vacation packages. Once the intro period passes, your rate reverts to an APR variable of 17.49%.

Compare travel credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Capital One® VentureOne® Rewards Credit Card
20,000 miles after spending $1,000 in the first 3 months
1.25x miles on all purchases
$0
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
Citi Rewards+℠ Card
Earn 15,000 points after spending $1,000 in the first 3 months
Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases
$0
The only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
Delta SkyMiles® Gold American Express Card
60,000 miles after spending $2,000 in the first 3 months, plus 10,000 miles after your first anniversary
2x miles on Delta purchases, restaurants and at US supermarkets and 1x miles on all other purchases
$0 intro annual fee for the first year ($99 thereafter)
Earn 60,000 miles after spending $2,000 in the first 3 months, plus 10,000 miles after your first anniversary. Rates & fees
CardMatch™ from creditcards.com
See terms
See terms
See terms
Can't decide on a card? Get personalized credit card offers with CardMatch™.
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.

Compare up to 4 providers

How many rewards can I earn with the Disney® Premier Visa® Card?

What you spend onHow much you spendRewards dollars
Grocery stores$7,200$144
Gas stations$3,600$72
Restaurants$4,000$80
Disney locations$2,000$40
Everything else$4,000$80
Total$20,800$416

If your annual spending looks similar to our example, you would earn $416 rewards dollars in a year.

If you clear the signup bonus, you get a total of $666 worth of rewards for the first year.

How much do I have to spend to make the annual fee worth it?

You can offset the annual fee for five years just by clearing the signup bonus. Otherwise, you’ll need to spend $2,500 annually on either of the 2% categories to break even. Everything you spend above that is a pure reward.

    You’ll also like …

    • Discounts on Disney and Star Wars purchases.
      Get 10% off select Disney and Star Wars purchases at Disney stores and online; 10% off select merchandise of $50 or more and 10% off select dining locations in Disneyland and Walt Disney World Resorts. Also get 15% off select guided tours at the Disneyland and Walt Disney World Resorts.
    • Choose your card design.
      Choose from 10 card designs from Disney and Star Wars.
    • Redeem dollars toward airline travel.
      Purchase an airline ticket and then redeem your reward dollars for a statement credit.

    What to watch out for

    • Annual fee.
      You’ll pay $49 annually to own the card.
    • Foreign transaction fees.
      Using your card abroad will cost you a 3% fee of the amount of each transaction.
    • Signup bonus eligibility.
      If you own this card, or have owned it and received a bonus in the last 24 months, you may not be eligible for the signup bonus.

    What should I know before I apply?

    To apply for the card, you must be at least 18 years old and a US citizen or resident.

    You also need to provide your:

    • Full name and contact information.
    • Social Security number and date of birth.
    • Annual income and employment details.

    What credit score do I need?

    You’ll have a better chance of approval with a good to excellent credit score of 670 or higher.

    How to apply for the Disney® Premier Visa® Card?

    1. Go to Chase website and Apply Now.
    2. Fill out the application form.
    3. Review your application and submit.

    I got the card. Now what?

    • Download Chase Mobile app. Pay your bills, monitor your account and more.
    • Avoid interest and fees. Your due date is 21 days after the close of each billing cycle. Pay your balance by then to avoid high interest and a late payment fee.
    • Customer support. Call 800-300-8575 or email disneyrewards@email.disneyrewards.com to ask questions.

    How do I redeem rewards from Disney® Premier Visa® Card?

    Log in to your online account or call 800-300-8575 once you reach 20 rewards dollars and request a Disney Rewards redemption card.

    Once you get the card, load it any time with a minimum of 10 rewards dollars.

    Use your rewards dollars:

    • At Disney locations toward theme park tickets, resort stays, shopping, dining and more.
    • To redeem for a statement credit toward an airline ticket purchase.

    Bottom line

    The Disney® Premier Visa® Card is most attractive for lovers of Disney and Star Wars, offering discounts on merchandise, vacations and experiences. If you’re a Disney theme park regular or make a lot of Disney purchases, this could potentially be a great card for you.

    If you want to see a return on more than just your Disney spending, consider other cards that let you earn cash back across multiple categories.

    Frequently asked questions

    Ask an expert

    You are about to post a question on finder.com:

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • finder.com is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked

    Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
    Go to site