Disney Premier Visa Card review | finder.com

The Disney® Premier Visa® Card review

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Disney® Premier Visa® Card

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

30-second take

  • 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
Purchase APR18.24% variable
Intro Purchase APR0% for the first 6 months (then to variable)
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
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
Late Payment Fee Conditions

Returned Payment FeeUp to $37
Additional Cardholder Fee$0
Rates & FeesRates & Fees
Minimum Age18 years of age
Welcome Offer$ 250 when you spend $500 in the first 3 months of opening your account.
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 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. All this can make up for the card’s annual fee.

Another card for your vacation

Chase Sapphire Preferred® Card

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 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 & 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, 60,000 points are worth $750 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 APR18.24% variable18.24% 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 an APR variable of 18.24%.

Compare travel credit cards

Name Product Welcome Offer Rewards Annual Fee
60,000 points after spending $4,000 in the first 3 months
2x points on travel and dining. 1x points on all other purchases
$95
Earn 60,000 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.
40,000 miles after spending $2,000 in the first 3 months plus 20,000 miles after spending $8,000 in the first 6 months
2x miles at restaurants, on hotel stays and on purchases from United and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Earn 40,000 miles after spending $2,000 in the first 3 months. Earn an additional 20,000 miles after spending $8,000 in the first 6 months.
25,000 points after spending $2,000 in the first 4 months
2x points on gas, groceries and 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.
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 intro 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 and a $50 statement credit after you make a Delta purchase in the first 3 months. Rates & Fees

Compare up to 4 providers

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?

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 source of income.

    What credit score do I need?

    You’ll have a better chance of approval with a fair to an 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 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 merchendise, 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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