Disney Premier Visa Card review | finder.com

Disney® Premier Visa® Card review

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Disney® Premier Visa® Card

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.
Product NameDisney® Premier Visa® Card
Card TypeVisa
Annual Fee$49
Standard Purchase APR18.24% variable
Intro Purchase APR0% for the first 6 months on select Disney vacation packages (then 18.24% variable)
Standard Balance Transfer APR18.24% variable
Intro Balance Transfer APR

N/A

Balance Transfer Fee$5 or 3% of the transaction, whichever is greater
Cash Advance Rate27.24% 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
Minimum Age18 years of age
Welcome Offer$200 after spending $500 in the first 3 months
Rewards2% in Disney rewards dollars at gas stations, grocery stores, restaurants and most Disney locations and 1% on everything else
Base Rewards1% cash back
Rewards Points ExpiryNever

The basics

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.

Our pick for getting to Disney

Gold Delta SkyMiles® Credit Card from American Express

  • Earn 60,000 bonus miles after you use your new card to make $2,000 in purchases within your first 3 months and a $50 statement credit after you make a Delta purchase with your new card within your first 3 months.
  • Earn 2 miles for every dollar spent on eligible purchases made directly with Delta.
  • Earn one mile for every eligible dollar you spend on purchases.
  • Check your first bag free on Delta flights – that’s a savings of up to $240 per round trip for a family of four.
  • Settle into your seat sooner with Main Cabin 1 Priority Boarding.
  • Enjoy a $0 introductory annual fee for the first year, then $95.
  • Terms apply.
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Promoted

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

The Disney® Premier Visa® CardThe Disney® Visa® Card
Annual Fee$49$0
Sign-up Bonus$200 (after $500 spend in 3 months)$50 after first purchase
Cash Back2% select categories, 1% elsewhere1%
Purchase APR18.24% variable18.24% variable

The perks

  • Signup bonus.
    Earn $200 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 18.24%.

Compare travel credit cards

Name Product Welcome Offer Rewards Annual Fee Filter values
75,000 points after spending $1,000 in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$0
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
60,000 points after spending $5,000 in your first 3 months
5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases
$550
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & fees
35,000 points after spending $2,000 in the first 3 months
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months. Rates & fees
25,000 points after spending $2,000 in the first 4 months
2x points on gas, groceries or airlines, whichever you spend the most on each month, 2x points on cell phone services and charities and 1x points on all other purchases
$0 intro annual fee for the first year ($49 thereafter)
Earn 25,000 enrollment FlexPoints worth $375 in travel after spending $2,000 in the first 4 months. Rates & Fees
60,000 miles after spending $2,000 in the first 3 months, plus $50 after your first Delta purchase in the same timeframe
2x miles on Delta purchases and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
60,000 bonus miles after you use your new card to make $2,000 on purchases within the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months. Rates & fees

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.

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