Chase Disney Premier Visa® Card Review

"The Fastest Way To Earn Disney Dollars"

2% cash-back at Disney, supermarkets, restaurants, and gas stations means more rewards dollars for Disney fans.

Card Summary Table

The Ideal Cardholder

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 Chase Disney Premier Visa® Card on hand. It earns you cash back and discounts at Walt Disney World, Disneyland, and more.

Disney Perks Chase Disney Premier Visa Card
If you love the different Disney characters and movies or you have kids who do, you may consider getting the Chase Disney Premier Visa® Card!

Sign-Up Bonus and Earning Categories

With the current sign-up bonus, you can get a Disney gift card after spending the required amount in the allotted time (see above table for details). That’s money towards your favorite Disney merchandise!

On top of that, you’ll enjoy a 0% APR for 6 months on select Disney vacation packages. Picture the expression on your children’s faces when you tell them to pack their bags!

Then, earn 2% in Disney Dream Reward Dollars on purchases at gas stations, grocery stores, restaurants, and most Disney locations. Plus, earn 1% in Disney Dream Reward Dollars for all of your other card purchases. (That’s $1 for every $100 spent.)

Bottom Line: Earn 1-2% back in Disney Rewards Dollars for your purchases on the Chase Disney Premier Visa® Card.

Chase Disney Premier Visa® Card Perks

The Chase Disney Premier Visa® Card also comes with a bunch of perks, like 10% off Disney Store and DisneyStore.com purchases of $50 or more, including selected Star Wars merchandise.

Get the same discount on dining and more from select Walt Disney World and Disneyland locations.

But that’s not all. Get 20% off select guided tours and enjoy private Disney character meet & greet experiences at either park, also including Star Wars!

Plus, display some Disney love with one of 10 card designs. Choose from Star Wars designs as well as Frozen, Mickey & Pals, and more.

Bottom Line: Get perks like discounts on dining and merchandise along with special meet & greet opportunities when you own the Chase Disney Premier Visa® Card.

0% APR Vacation Package Benefit

A unique feature of the Chase Disney Premier Visa® Card is a 0% APR for 6 months on select Disney Vacation Packages. That means you have half the year to pay off your trip without accumulating interest when you book with the card.

This special financing offer makes it a little easier to pay for your memorable Disney vacation.

Drawbacks of the Card

One drawback of the card is the annual fee of $49. Because it’s hard to put a dollar amount on benefits like character meet & greets, the card may not be the first choice for those who aren’t frequent Disney park attendees.

Another option is the Chase Disney Rewards® Visa® Card, which has similar benefits without an annual fee. There are 2 key differences with this card.

First, you get a flat 1% rewards rate rather than extra points for purchases at grocery stores, restaurants, and gas stations. Second, the sign-up bonus is typically less.

If you aren’t sure whether you will take full advantage of the Disney Rewards Dollars, you may find the Chase Disney Premier Visa® Card to be a good supplemental card have.

For instance, you could use it for spending in the categories that get you 2% cash-back, and then sign up for another card to get additional benefits.

As an example, the Capital One Venture Rewards Credit Card waives their $59 annual fee for the first 12 months and earns a flat 2% back on all purchases.

Bottom Line: In some cases, the Chase Disney Premier Visa® Card may be a good second card. You can accumulate Disney points for some purchases and use another card for your other spending.

Great Card If

  • You bring your family to Disney Parks at least once every 2 years
  • You like to make purchases at Disney.com
  • You would take advantage of the 0% financing benefit on Disney vacation packages

Don't Get If

U.P. Pro Tips

The best way to get value out of the Chase Disney Premier Visa® Card is by using it at Disney locations, and for purchases at gas stations, grocery stores, and restaurants.

That’s where you will get 2% back in Disney Dream Reward Dollars for your spending, rivaling other cash-back cards.

After you accumulate a minimum of 20 Disney Dollars, you can request a Disney Rewards Redemption Card to spend them. In other words, you need to spend at least $1,000 in the 2% categories above before you can use your rewards.

Booking your vacation through the Walt Disney Travel Company can earn you 2% on your vacation package purchase. 

Also, remember to charge everything to your folio when staying at a Disney resort or on a Disney cruise to earn 2% there as well.

Pay for Your Vacation with Your Chase Disney Premier Visa Card
Pay for everything on your next Disney vacation with your card, and you’ll earn 2% cash-back to use toward the next one!

How To Use Chase Disney Premier Visa® Card: The Upgraded Way™

Best Way To Maximize Points

Because you earn Disney Reward Dollars for your spending, the Chase Disney Premier Visa® Card is primarily a cash-back card. Therefore, there are only so many ways you can maximize your rewards.

Clearly, the best plan of attack is to use the card as much as possible for 2% cash-back spending. You may want to purchase items you don’t normally buy at these places to maximize cash-back.

But don’t make extra purchases just to spend money! After all, you still earn 1% for all of your other purchases, which is a small margin of difference.

Best Way To Redeem Points

You only have 2 main options for redeeming points with the card: Disney Dream Reward Dollars or statement credit for airline tickets.

Disney Dream Reward Dollars

One Disney Dream Reward Dollar is equal to a $1 value when redeeming toward Disney products and offerings. For instance, you could redeem 99 Disney Dream Reward Dollars for a 1-day child theme park ticket that regularly costs $99.

Before you can redeem your Disney Dream Rewards Dollars, you’ll need to load them onto a Disney Rewards Redemption Card. It holds your Dollars until you’re ready to spend them.

In addition to purchasing Disney Park tickets, you can use the Dollars on your redemption card for movie cash, DVD cash, game cash, toy cash, and music cash vouchers. Below is a table showing the value of the different types of vouchers.

Type of VoucherValue
DVD Cash & Disney Blu-ray$15
Music Cash, Book Cash, Game Cash$10
Toy Cash$10

Vouchers expire 1 year from the month they were ordered.

Airline Statement Credit

Using the airline ticket benefit allows you to get value from the Chase Disney Premier Visa® Card without being tied down to Disney. (Then again, if you aren’t a Disney fan, you probably wouldn’t have the card in the first place!)

Redeeming for airline miles is pretty simple. Just purchase airline tickets with the card on any airline to any destination, and pay yourself back with a credit on your monthly statement.

Each Disney Dream Reward Dollar can be redeemed for $1 credit on your monthly statement.

The card makes the process as easy as possible by allowing you to book your airline ticket through a travel website, airline, or travel agent. There are no black-out dates to worry about either.

You can redeem rewards in increments of $50 up to the price of the ticket. That means you need at least 50 Disney Dream Reward Dollars in your account to get started.

However, it also means that even if you don’t have enough rewards to cover the whole ticket, you can use what you have to lower the out-of-pocket cost.

Be aware that it takes 1-2 billing cycles for the credit to appear. For that reason, the card does recommend that you pay the full amount of the ticket when it appears on your bill to avoid finance charges.

You have 60 days from your airline ticket purchase to redeem your rewards for the credit on your statement. Once you request to redeem statement credit, it takes 5-7 days to post.

Chasing the Carrot to Earn Rewards on Chase Disney Premier Visa Card
You’ve chased the carrot long enough! It’s time to redeem your rewards for spending on the Chase Disney Premier Visa® Card. Note that rewards can take a couple weeks to post before you can spend them, so plan ahead.

Partners

There are no additional partners with this card.

Card Math

So far in this review, we’ve discussed the variety of benefits of owning the card, as well as how to redeem Disney Dream Reward Dollars for merchandise and statement credit for airline tickets.

Now we will look at how much the card is worth to you as a member.

Card Stats Recap

Let’s review the basic cost and earning categories of the card:

Annual FeeCash-back at Gas Stations, Supermarkets, Restaurants and DisneyCash-back everywhere else
$492%1%

*Note that the 2% cash-back benefit is limited to select Disney locations

You can see that the card has an annual fee of $49, which is off-set the first year by the Disney gift card offered to new cardholders.

Using the Model Families to Calculate Card Value

We will use our 3 model families to make it easier to understand the value of the card. Matching their yearly spending with yours should help you determine the relative value of the card to your situation.

For this example, we will assume the families spend the hotel and travel (other) expenses at Walt Disney World or Disneyland, and we’ll combine these under Disney below.

Family2% categoriesEverything Else 1%
KennedysDisney – $2,600$27,700
Supermarkets – $7,000
Gas Stations – $2,600
Restaurants – $8,000
JetsonsDisney – $7,000$39,100
Supermarkets – $7,000
Gas Stations – $3,600
Restaurants – $12,800
HartnellsDisney – $12,500$92,900
Supermarkets – $15,000
Gas Stations – $4,800
Restaurants – $5,000

Total Value of the Card for Everyday Yearly Spend

After a year’s worth of spending, the families will have accumulated a decent amount of cash-back available for Disney Dream Reward Dollars rebates. The following table shows just how much based on the above values:

Family2% cash back1% cash backTotal Cash-Back for Disney Dollars
Kennedys$21,700 x .02 = $434$27,700 x .01 = $277$711
Jetsons$18,880 x .02 = $377.60$39,100 x .01 = $391$767
Hartnells$37,300 x .02 = $746$92,900 x .01 = $929$1,675

So the card is worth anywhere from $711-$1,625 in Disney Dream Dollars per year for the families, assuming they use it for everything. Definitely not an insubstantial amount, even after the $49 annual fee!

These rewards would be a great way to take a free Disney vacation, buy airline ticket, or purchase Disney merchandise.

If you spend more on gas, supermarkets, and restaurants, you could increase the value even higher.

Alternatives to the Card

If the Chase Disney Premier Visa® Card is not valuable enough for you, there are other alternatives. The first option is the Blue Cash Everyday® Card from American Express, which is a great everyday card.

It doesn’t offer cash-back at restaurants, but it does offer 3% cash-back at U.S. supermarkets (more than the Disney card) plus  2% at U.S. gas stations and department stores, and there’s no annual fee.

While you can’t redeem for Disney Rewards Dollars, you can redeem for statement credit. So you could charge your Disney trip to the card and then redeem statement credit to pay for it!

A second option is the Citi Double Cash Card, which is another cash-back credit card. Unlike the Chase Disney Premier Visa® Card, which limits your 2% earning categories, this card gets you 2% for all transactions.

Again, there’s no annual fee here. Plus, enjoy a 0% introductory APR for 15 months on purchases and balance transfers.

Make a Choice of Most Valuable Credit Card
Sometimes you are stuck between a decision on what credit card to get. Doing some math will help you to decide what’s best for you!

Card Math Conclusion

Simply put, the Chase Disney Premier Visa® Card is a great card for people who love Disney. For those people, it earns a competitive 2% back in several categories. If you stick to using the card for the gas, dining, and groceries, you can come out ahead.

However, the $49 annual fee cuts into some of that value.

Of course, the card also provides several perks that are difficult to put a number on, like character meet & greets or a 6-month 0% APR on Disney vacation packages. If you are a die-hard Disney fan, these perks can make the card a great deal.

But if you are only up for the occasional Disney trip, another card like the Blue Cash Everyday® Card from American Express or Citi Double Cash Card may hold a lot more value.

The Gritty Details: Everything Else You Need To Know

You cannot earn Disney Dream Reward Dollars on cash advances, balance transfers, or checks that access your account.

For a complete list of Disney locations where you can earn 2%, see here.

Disney Dream Reward Dollars post to your rewards account at the same time your credit card statement cycles each month. They expire 5 years from the date they post to your account, and there is no limit to how many you redeem.

You are limited to 2 Disney Rewards Redemption Cards at one time. Make sure to order your cards at least 3 weeks before your vacation. If you forget, you can pick up Redemption Cards at the theme parks.

Currently, Redemption Cards do not have an expiration date. However, you cannot transfer Disney Dream Reward Dollars from your Redemption Card back into your rewards account balance.

Each movie cash voucher can be redeemed for 1 box office admission, excluding “no coupon, no pass” showings.

Some items are excluded from the 10% Disney Store discount, including theme park passes, Disney INFINITY, video games, Disney electronics, art & collectibles, and more. See a full list of exclusions here.

Other Unique Features

While not as many as some cards, the Chase Disney Premier Visa® Card does come with a few travel and purchase benefits. The rest of the benefits are also listed.

Baggage delay insurance – Reimbursement for essential purchases for baggage delays exceeding 6 hours. The maximum benefit is $100 a day for 3 days.

Purchase protection – Receive up to $500 per claim for new purchases damaged or stolen within 120 days.

Extended warranty protection – Extend the manufacturer’s warranty by 1 year on eligible warranties.

Disney character and Star Wars character meet & greets – Access to special areas reserved for card holders to meet and greet with the various Disney and Star Wars characters. Skip the long lines!

Savings on select merchandise, dining, and guided tours –  Special discounts and savings on a variety of merchandise and services. See your card benefits package or the terms and conditions online for more details. As usual, there are certain exclusions.

0% APR for 6 months on Disney vacations – The 0% APR only applies to specific vacations and changes regularly, so do some research beforehand!

Save 10% on select merchandise for $50+ purchases (Disney and Star Wars) – The savings can change at any time, but in general you will save 10% on all merchandise purchases valued at $50 or more for Disney and Star Wars.

Redeem cash-back toward Disney services and products – Redeem cash-back for Disney theme park tickets, resort stays, dining, Disney movie tickets, DVDs, toys, costumes, and more.

Photo Credits/Credit/Copyright Attribution:
Disney Princesses: Lauren Elisabeth/Shutterstock.com
Family Vacation: Andresr/Shutterstock
Carrot on Stick: ChameleonsEye/Shutterstock
Woman Thinking Over Cups: Ollyy/Shutterstock

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

FAQ

Is the Chase Disney Premier Visa® Card worth it?
Disney fans can find great value from the card. You earn 2% cash-back at supermarkets, restaurants, gas stations, and select Disney locations, plus 1% everywhere else.

Cash-back can be used as Disney Dream Rewards Dollars for Disney and Star Wars merchandise, Disney vacation rewards, or statement credit toward airline travel.

What are the benefits of the card?
The Chase Disney Premier Visa® Card comes with perks like 10% off purchases of $50+ at Disney Store and DisneyStore.com, and 10% off merchandise and dining from select locations at Walt Disney World and Disneyland.

You also get 20% off guided tours at both parks, and special Disney and Star Wars character meet & greet opportunities.

Is there an annual fee on the Chase Disney Premier Visa® Card?
The annual fee is $49.

What are Disney Dream Reward Dollars?
Disney Dream Reward Dollars are currency you can redeem toward Disney products and offerings or airline travel. Every Disney Dollar is equal to $1 during redemption.

To redeem your Disney Dollars, you must load them to a Disney Rewards Redemption Card (except for airline travel). There is no limit to the number of Disney Dream Reward Dollars you can earn.

When do Disney Dream Reward Dollars post to your account?
Disney Dream Reward Dollars post to your account at the end of the billing cycle in which they accrued.

How do you use Disney Rewards Redemption Cards?
To use your Disney Dream Reward Dollars for products or offerings, you load them on a Disney Rewards Redemption Card. The Redemption Card is accepted at Disney theme park ticket booths, Disney resorts, Disney cruise lines, and more.

You need 20 Disney Dream Reward Dollars to request a Redemption Card at 1-800-300-8575, online, or at Disney parks.

Loading Disney Dollars to a Redemption Card is not necessary for airline travel.

How do you redeem for airline tickets?
Redeem Disney Dream Reward Dollars for airline tickets on any airline to any destination. Simply purchase tickets on your card and pay yourself back by exchanging Disney Dream Reward Dollars for a credit on your monthly statement within 60 days of purchase.

Each Reward Dollar is worth $1 in credit on your monthly statement. You must make a minimum airline ticket purchase of $50. The credit will appear on your Chase statement within 1-2 billing cycles.

Which card is better, the Chase Disney Premier Visa® Card or Chase Disney Rewards® Visa® Card?
There are 2 major differences between the cards: annual fee and cash back.

The card has a $49 annual fee, while the Chase Disney Rewards® Visa® Card has no annual fee. In addition, the Chase Disney Rewards® Visa® Card earns a flat 1% for purchases.

Both cards offer the 10% merchandise discount and character meet & greets.

Does the Chase Disney Premier Visa® Card have a foreign transaction fee?
Yes, there is a 3% foreign transaction fee.

Does the Chase Disney Premier Visa® Card have a 0% APR offer?
No, however, you do receive a 0% APR for 6 months on select Disney vacation packages.

What is the Chase Disney Premier Visa® Card login?
Access your account at https://www.chase.com/