Disney Premier Visa Card review | finder.com

The Disney® Premier Visa® Card review – February 2019

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Disney® Premier Visa® Card

Get accelerated Disney rewards dollars on select purchases and get Disney discounts.

  • Get this card if you love everything Disney and Star Wars and want discounts on your Disney vacation expenses.
  • Pick something else if you want cash back or an intro APR period on purchases and balance transfers.
  • Apply with fair to excellent credit score of 570 or higher.
Product NameDisney® Premier Visa® Card
Card TypeVisa
Annual Fee$49
APR (Annual Percentage Rate) for Purchases18.24% variable
Introductory Purchase APR0% for the first 6 months (then to variable)
Balance Transfer APR18.24% variable
Introductory Balance Transfer APR

N/A

Balance Transfer Fee$5 or 3% of the transaction, whichever is greater
Cash Advance Rate27.24% variable
Foreign Transaction Fee3% of the transaction value
Cash Advance Fee$10 or 3% of the cash advance amount, whichever is greater
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

The Basics

If you’re a fan of all things Disney and Star Wars, enjoy discounts at Disney resorts, on purchases from a Disney location and their online store and at Disney restaurants and salons.

Also, you get to earn double rewards dollars at restaurants, gas stations, grocery stores and most Disney locations, and you get special financing for Disney vacations.

Expect to pay $49 a year to use this card, but you’ll make it up in the first year’s rewards alone.

Another travel rewards card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2x points on travel and dining at restaurants worldwide and 1 point per dollar spent on all other purchases
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
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Disney® Premier Visa® Card vs. Disney® Visa® Card

The Disney® Premier Visa® CardThe Disney® Visa® Card
Annual Fee$49$0
Sign-up Bonus$250 (after $500 spend in 3 months)$100 after first purchase
Cash Back2% select categories, 1% elsewhere1%
Purchase APR 18.24% variable 18.24% variable

The Perks

  • Signup bonus.

    Earn $250 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 six months from the date you make your purchase of eligible Disney vacations. Once the intro period passes, your rate reverts to variable 18.24%.

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

What you spend onHow much you spendRewards dollars
Grocery stores$7,200144
Gas stations$3,60072
Restaurants$4,00080
Disney locations$2,00040
Everything else$4,00080
Total$20,800416

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?

By clearing the signup bonus, you offset the annual fee for five years. Otherwise, you 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 on select Disney and Star Wars purchases at Disney stores and online; 10% off select merchandise of $50 or more and 10% at 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. And if you change your mind, switch your card design whenever you want.

    • 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.

      To enjoy the card’s perks, expect to pay $49 annually.

    • Foreign transaction fees.

      Using your card abroad will cost you 3% fee of the amount of each transaction.

    • Signup bonus eligibility.

      If you own this card or have owned and you received a bonus in the last 24 months, you may not be eligible for the signup bonus.

    Compare travel credit cards

    Name Product Welcome Offer Rewards Annual Fee
    50,000 points after spending $4,000 in the first 3 months
    2x points on travel and dining. 1x points on all other purchases
    $0 annual fee for the first year ($95 thereafter)
    Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
    50,000 points after spending $4,000 in the first 3 months
    3x points on dining and travel after earning your $300 travel credit. 1x points on all other purchases
    $450
    Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
    30,000 miles after spending $1,000 in the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months
    2x miles on Delta purchases and 1x miles on all other purchases
    $0 annual fee for the first year ($95 thereafter)
    30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
    75,000 points after spending $1,000 in the first 3 months
    7x points on direct purchases within the Hilton Honors portfolio. 5x points at US restaurants, US supermarkets and US gas stations. 3x points 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
    35,000 points after spending $2,000 in the first 3 months
    3x points on airfare booked directly with airlines; 4x points at US restaurants; 4x points at US supermarkets on up to $25,000 per year in purchases (then 1x points)
    $250
    35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees
    70,000 miles after spending $5,000 in the first 90 days
    2x miles on all purchases
    $0 annual fee for the first year ($89 thereafter)
    Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
    60,000 points after spending $5,000 in your first 3 months
    5x points on flights booked directly or flights and hotels booked through American Express 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
    125,000 points after spending $2,000 in the first 3 months
    12x points on Hilton Portfolio spending, 6x points at US restaurants, US supermarkets and US gas stations and 3x points on all other purchases
    $95
    Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
    10,000 miles after spending $500 in the first 3 months
    2x miles at US restaurants and on purchases made directly with Delta and 1x miles on all other purchases
    $0
    Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & Fees
    Earn 25,000 bonus points when you spend $2,500 in the first 90 days from account opening.
    Earn 3x points on travel — or 4x points if you’re a PenFed Honors Advantage member — and 1.5x points on all other purchases
    $0
    Earn 25,000 bonus points when you spend $2,500 in the first 90 days from account opening.
    20,000 bonus LifeMiles after first card use
    2x miles on Avianca purchases, 1x miles on all other purchases. Plus a 15% discount on purchases of miles with Multiply Your Miles
    $59
    20,000 bonus LifeMiles after first card use
    40,000 bonus LifeMiles after first card use
    3x miles on Avianca purchases, 2x miles at gas stations and grocery stores and 1x miles on all other purchases. Plus 15% discount on purchases of miles with Multiply Your Miles
    $149
    40,000 bonus LifeMiles after first card use
    N/A
    1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
    $195
    Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
    N/A
    1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
    $495
    Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
    N/A
    1x points on all purchases with 2% point value when you redeem for airfare or cash back
    $995
    Earn 2% point value when redeemed for airfare or cash back through the Luxury rewards program.

    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 source of income.

    What credit score do I need?

    You’ll have a better chance of approval with a fair to excellent credit score of 570 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 1-800-300-8575 or email disneyrewards@email.disneyrewards.com for any questions you may have.

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

    Log in to your online account or call 1-800-300-8575 once you reach 20 rewards dollars and request a Disney Rewards redemption card.

    Once you get the card, load it anytime 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 merchendise, vacations and experiences. If you’re a Disney theme park regular or make a lot of Disney purchases, this could be an interesting 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

    Megan Horner

    As the assistant publisher of credit cards at finder.com, Megan is passionate about helping you compare and find the best credit cards for your situation, whether that is earning great rewards or improving your credit score. In her previous position, Megan worked as an assigning editor at Credit Karma, where she focused on editing and publishing educational articles on credit cards. Megan started her career as a writer at a comparison website, so she has a longstanding background in surfacing the best deals and helping people make decisions. In her spare time, Megan likes to hike, camp, surf, and read.

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