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Disney® Premier Visa® Card review

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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.


Welcome offer

Up to 2%

Cash back


Annual fee


Intro purchase APR

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


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 15.99% variable)
Balance transfer APR15.99% variable
Balance transfer fee$5 or 3% of the transaction, whichever is greater
Cash advance rate24.99% 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.

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.

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 APR15.99% variable15.99% 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 15.99%.

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
Disney locations$2,000$40
Everything else$4,000$80

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.

    Compare travel credit cards

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    Chase Sapphire Preferred® Card
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    Earn a huge signup bonus worth $1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
    Citi Premier® Card
    60,000 points after spending $4,000 in the first 3 months
    3x points at restaurants, supermarkets, gas stations, flights and hotels and 1x points on everything else
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    Chase Sapphire Reserve®
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    10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
    Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.
    Marriott Bonvoy Brilliant™ American Express® Card
    100,000 points after spending $5,000 in the first 3 months, plus earn 25,000 after the first anniversary of card membership (offer expires 1/13/2021)
    6x points at Marriott Bonvoy hotels, 3x at US restaurants and on flights booked directly with airlines and 2x for all other purchases
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    Compare up to 4 providers

    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.

    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 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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