Edited by: Michael Y. Park
& Keri Stooksbury
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Whether you’re a die-hard Disney fan or a casual visitor to the House of Mouse, having a Disney credit card in your wallet can benefit your Disney, theme park, and even airline purchases.
Disney has 2 co-branded cards with Chase: the Disney® Premier Visa® Card and the Disney® Visa® Card. Both offer unique benefits for Disney loyalists and allow you to earn coveted Disney Rewards Dollars.
Let’s dive into what you need to know about these 2 cards!
We’ll get into the nitty-gritty of both cards later on, but first, here’s a quick summary of how the cards stack up in terms of features and benefits:
|Disney® Premier Visa® Card
|Disney® Visa® Card
|Earn $300 Statement Credit after you spend $1,000 on purchases in the first 3 months.
|[up cc_id=1934 name="disney-visa-card-offer"]
|1% in Disney Rewards Dollars on all your card purchases with no limit to the amount you can earn
|Redeem for Disney Reward Dollars or statement credit for airline tickets
|Redeem for Disney Reward Dollars
|Top Travel Protections and Benefits
|Top Shopping Protections and Benefits
|You can add authorized users to your account
The welcome offers for both cards are pretty straightforward. The Disney Premier card typically has a higher welcome offer than the Disney card, but will generally have a higher minimum spending threshold.
Take a look at our current offers for both the Disney Premier card and the Disney card, and don’t forget to double-check the most recent offer before applying for either card.
2% back Disney Rewards Dollars at Disney, gas stations, grocery stories, and restaurants means more rewards dollars for Disney fans.
Mickey and his friends are like part of the family. Your kids can recite the words to everything from Aladdin to Toy Story. And there’s no question where you’re going on Spring Break (Space Mountain, anyone?).
As a premier Disney fan, you always have the Disney® Premier Visa® Card on hand. It earns you cash back and discounts at Walt Disney World, Disneyland, and more.
A straight 1% in Disney Rewards Dollars that can be redeemed for Disney tickets, merchandise, and other offerings makes this a Mickey fan's go-to card.
For you and your family, vacation time is Disney time. In fact, Disney is #1 for you and your brood all year-round. You have the Mickey ears to prove it!
Lucky for you, the Disney® Visa® Card makes it simple to earn Disney Rewards Dollars that you can spend at Walt Disney World®, Disneyland®, shopDisney.com, and more.
The easiest way to earn Disney Rewards Dollars is by spending with the cards. But there’s a wide gulf between the 2 when it comes to your earning potential.
Spending with either card will earn Disney Rewards Dollars, with no limits on how many you can earn. According to Disney and Chase, Disney Rewards Dollars equal a $1 value when redeeming for Disney products.
Here’s how you’ll earn rewards on every purchase you make with either card:
|Disney Premier Visa Card
|Disney Visa Card
|Flat 1% in Disney Rewards Dollars on all card purchases
|All Other Purchases
|1% in Disney Rewards Dollars on all other purchases
|Flat 1% in Disney Rewards Dollars on all card purchases
As you can see, the clear winner here is the Disney Premier card, as you earn up to 5% Disney Rewards Dollars on your purchases. Additionally, you earn 2% on everyday purchases such as grocery stores and restaurants, and, importantly for Disney fans, 2% at most U.S. Disney locations, including Disneyland and Walt Disney World.
In comparison, the no-fee Disney Visa card offers just 1% in Disney Rewards Dollars on purchases across the board — including at Disney locations.
Now, let’s look at how that breaks down in your everyday spending. Let’s say, during an average month, you spend the following:
You’d earn 14.75 Disney Rewards Dollars in this month with the Disney Premier card, while you’d earn just 7.15 Disney Rewards Dollars with the no-fee Disney card.
With the Disney Premier card and Disney card, you earn up to 500 Disney Rewards Dollars per year for every person who gets approved for any Disney Visa card, up to 5 friends per year. This is a great way to earn Disney Rewards Dollars, especially for Disney loyalists.
You have several ways to redeem the Disney Rewards Dollars you’ve earned on the Disney Premier card or Disney card. It’s important to note that Disney values its Disney Rewards Dollars at $1 each.
|Disney Premier Card
|Redeem for Disney resort stays, Disney Cruise Line, and Disney park tickets
|General Statement Credit
|Redeem for statement credit to cover purchases made at most U.S. Disney locations
|Additional Redemption Options
The best way to redeem your Disney Rewards Dollars is on purchases made directly with Disney. However, no matter which card you have, you must have a minimum of 20 Rewards Dollars to use a Disney Rewards Redemption Card, which is similar to a gift card. That means the Disney Premier Visa Card is the better of the 2 cards for redemptions, especially if you spend a lot on Disney purchases.
One feature the Disney Premier card has that is exclusive to the card is the ability to redeem Disney Rewards Dollars for airline purchases when you purchase tickets with your card. While you won’t encounter blackouts or limits on which airline you can use, you must redeem a minimum of 50 Disney Rewards Dollars. You then receive a credit on your monthly statement within 60 days of purchasing your ticket.
The travel protections and benefits are similar for both the Disney Premier card and Disney card. Both cards include baggage delay insurance. This feature reimburses you for purchases related to baggage delays over 6 hours (up to $100 a day for 3 days).
Disney Premier card and Disney card both offer shopping benefits meant to protect your purchases.
Both cards have credit card purchase protection, which covers your purchase against damage or theft for 120 days. This benefit is limited to up to $500 per claim and $50,000 per account. Both cards also include extended warranty protection, which extends the U.S. manufacturer’s warranty by an additional year. Both benefits are only valid when you use your eligible Disney card for your purchase.Hot Tip:
Learn more about the benefits and perks of the Disney Premier card in our detailed guide!
Finally, though it doesn’t affect the bottom line of the value of your earnings or redemptions, both Disney credit cards come in a number of designs from Disney brands (including Pixar, Marvel, and Star Wars). You can pick a design at no charge, change the design of your card at no charge, and change it as often as you like. Authorized users can pick a different design for their own card at no extra charge. Disney updates the available designs from time to time.
The only difference between the cards is that Disney Premier cardholders get an exclusive metal card if they pick the design rolled out for Disney’s 100th anniversary.
The clear winner here is the Disney Premier card, which offers more ways to earn Disney Rewards Dollars than the Disney card. However, if you’re looking for a no-fee card (and you’re a casual Disney fan), the Disney card should be able to suit your needs.
We hope this guide was beneficial in helping you choose the best Disney credit card for you!
The Disney Premier card is better, as you earn up to 5% Disney Rewards Dollars on your purchases. The Disney card offers just 1% across the board.
The Disney card has a $0 annual fee.
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UP's Bonus Valuation
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.