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Disney Premier Card vs. Disney Card [Detailed Comparison]

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Victoria M. Walker
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Victoria M. Walker

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Victoria holds a B.A. in Broadcast Journalism from the Howard University School of Communications and is an award-winning journalist, travel reporter, and the founder of the “Travel With Vikkie” newsl...
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Michael Y. Park

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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!

Disney Premier Card vs. Disney Card — Overview

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:

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CardDisney® Premier Visa® CardDisney® Visa® Card
Welcome OfferEarn $300 Statement Credit after you spend $1,000 on purchases in the first 3 months.[up cc_id=1934 name="disney-visa-card-offer"]
Earning
  • 5% in Disney Rewards Dollars on card purchases made directly from DisneyPlus.com, Hulu.com, or ESPNPlus.com
  • 2% in Disney Rewards Dollars on card purchases at grocery stores, restaurants, gas stations, and most Disney locations
  • 1% in Disney Rewards Dollars on all other card purchases
1% in Disney Rewards Dollars on all your card purchases with no limit to the amount you can earn
Redemption OptionsRedeem for Disney Reward Dollars or statement credit for airline ticketsRedeem for Disney Reward Dollars
Top Travel Protections and Benefits
  • Baggage delay protection
  • 0% promo APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 19.24% – 28.24%

  • Baggage delay protection
  • Enjoy 0% promotional APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 18.99%-27.99%.

Top Shopping Protections and Benefits
  • Get $14.99 back per month for up to 3 consecutive months in statement credits on qualifying Disney Bundle purchases
  • Purchase protection
  • Extended warranty protection
  • 1-year complimentary DashPass membership
  • Purchase protection
  • Extended warranty protection
  • 1-year complimentary DashPass membership
Additional Benefits
  • Savings aboard Disney Cruise Line
  • 10% off select merchandise and dining at Disneyland and Walt Disney World
  • 10% off select purchases at shopDisney.com
  • Complimentary downloads of your photos at Disney parks
Authorized UsersYou can add authorized users to your account
Annual Fee$49$0

The Value of a Welcome Bonus Offer

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.

Disney® Premier Visa® Card

Disney® Premier Visa® Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

2% back Disney Rewards Dollars at Disney, gas stations, grocery stories, and restaurants means more rewards dollars for Disney fans.

Learn More(at Chase's secure site)

Disney® Premier Visa® Card

2% back Disney Rewards Dollars at Disney, gas stations, grocery stories, and restaurants means more rewards dollars for Disney fans.
Earn $300 Statement Credit after you spend $1,000 on purchases in the first 3 months from account opening
$300
$49

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.

Pros

  • Get 15% off the non-discounted price of select guided tours at the Disneyland® and Walt Disney World® Resorts when you use your Disney Premier Visa card
  • Save 10% on select purchases at shopDisney.com when you use your card
  • Receive 10% off select purchases at select locations at the Disneyland® and Walt Disney World® Resorts when you use your card
  • Earn 5% in Disney Rewards Dollars on purchases at DisneyPlus.com, Hulu.com, or ESPNPlus.com
  • Earn 2% in Disney Rewards Dollars on card purchases at gas stations, grocery stores, restaurants, and most Disney U.S. locations
  • Earn 1% on all other card purchases
  • Redeem Rewards Dollars for a statement credit towards airline travel
  • Get a one-year complimentary DashPass if activated by 12/31/24

Cons

  • Does not earn transferrable rewards
  • Has a foreign transaction fee
  • Earn a $300 Statement Credit after you spend $1,000 on purchases in the first 3 months from account opening.
  • Earn 5% in Disney Rewards Dollars on card purchases made directly at DisneyPlus.com, Hulu.com or ESPNPlus.com. Earn 2% in Disney Rewards Dollars on card purchases at gas stations, grocery stores, restaurants and most Disney U.S. locations. Earn 1% on all your other card purchases. There are no limits to the number of Rewards Dollars you can earn.
  • Redeem Rewards Dollars for a statement credit toward airline travel.
  • 0% promo APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 19.24% - 28.24%
  • 10% off select merchandise purchases at select locations and 10% off at select dining locations most days at the Disneyland® and Walt Disney World® Resorts.
  • Save 10% on select purchases at shopDisney.com
  • Member FDIC

Financial Snapshot

  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Disney Rewards

Disney® Visa® Card

Disney® Visa® Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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.

Learn More(at Chase's secure site)

Disney® Visa® Card

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.
Earn a $150 Statement Credit after you spend $500 on purchases in the first 3 months from account opening.
$150
$0

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.

Pros

  • Save 10% on select purchases at shopDisney.com when you use your Disney Visa Card
  • Receive 10% off select merchandise purchases at select locations at the Disneyland® and Walt Disney World® Resorts when you use your Disney Visa Card
  • Earn 1% in Disney Rewards Dollars on all your card purchases with no limits to the amount you can earn
  • No annual fee
  • Get 15% off the non-discounted price of select guided tours at the Disneyland® and Walt Disney World® Resorts when you use your card to purchase
  • Pose for special photos at private Cardmember locations at both parks and receive complimentary downloads of your photos
  • Receive a one-year complimentary DoorDash DashPash if activated by 12/31/24

Cons

  • Does not earn transferrable points to other travel partners
  • Has a foreign transaction fee
  • Earn a $150 Statement Credit after you spend $500 on purchases in the first 3 months from account opening.
  • Earn 1% in Disney Rewards Dollars on all card purchases. There are no limits to the number of Rewards Dollars you can earn.
  • 0% promo APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 19.24% - 28.24%
  • 10% off select merchandise purchases at select locations and 10% off select dining locations most days at the Disneyland® and Walt Disney World® Resorts.
  • Save 10% on select purchases at shopDisney.com
  • Member FDIC

Financial Snapshot

  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Disney Rewards

Earning Potential

Disney Treasure Plaza de Coco
Earn 2% in Disney Rewards Dollars with Disney Cruise Line. Image Credit: Disney

Spending on the Cards

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:

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Earning CategoryDisney Premier Visa CardDisney Visa Card
Travel
  • 5% in Disney Rewards Dollars on DisneyPlus.com, Hulu.com, or ESPNPlus.com
  • 2% in Disney Rewards Dollars at gas stations, grocery stores, restaurants, and most Disney locations in the U.S.
  • 1% in Disney Rewards Dollars on all other purchases
Flat 1% in Disney Rewards Dollars on all card purchases
All Other Purchases1% in Disney Rewards Dollars on all other purchasesFlat 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:

  • $14 on Disney+, Hulu, and ESPN+
  • $200 at gas stations
  • $200 at restaurants
  • $300 at grocery stores

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.

Referral Opportunities

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.

Redemption Options

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.

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Redemption OptionsDisney Premier CardDisney Card
Travel
  • Redeem for Disney resort stays, Disney Cruise Line, and Disney park tickets
  • Redeem Rewards Dollars toward airline purchases
Redeem for Disney resort stays, Disney Cruise Line, and Disney park tickets
General Statement CreditRedeem for statement credit to cover purchases made at most U.S. Disney locations
Additional Redemption Options
  • Redeem for tickets for eligible movies at AMC Theatres
  • Redeem for purchases at shopDisney.com and Disney store (Times Square location)

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.

Bottom Line:

If you want better redemptions, and especially if you spend a lot on Disney merchandise or experiences, you want the Disney Premier card.

Travel Protections and Benefits

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).

Shopping Protections and Benefits

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!

Card Designs

Disney Credit Card Fronts
Image Credit: Chase

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.

Final Thoughts

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!

Frequently Asked Questions

Does Disney offer a credit card?

Yes, Disney offers 2 credit cards, both issued through Chase: the Disney Premier card and the Disney card.

Which card is better, the Disney Premier card or the Disney card?

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.

Does the Disney Premier card have an annual fee?

Yes, the Disney Premier card has a $49 annual fee.

Does the Disney card have an annual fee?

The Disney card has a $0 annual fee.

Victoria M. Walker's image

About Victoria M. Walker

Victoria holds a B.A. in Broadcast Journalism from the Howard University School of Communications and is an award-winning journalist, travel reporter, and the founder of the “Travel With Vikkie” newsletter.

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