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Disney Premier Visa Card — Full Review [2024]

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Alex Miller
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Alex Miller

Founder & CEO

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Founder and CEO of Upgraded Points, Alex is a leader in the industry and has earned and redeemed millions of points and miles. He frequently discusses the award travel industry with CNBC, Fox Business...
Edited by: Stella Shon
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Stella Shon

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With a degree in media and journalism, Stella has been in the points and miles game for more than 6 years. She most recently worked as a Corporate Communications Analyst for JetBlue. Find her work in ...
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Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...

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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.
3
Learn More(at Chase's secure site)
  • $300

  • $49

  • 19.24% - 28.24% Variable

  • Good to Excellent (670-850)

Disney® Premier Visa® Card

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

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.
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Learn More(at Chase's secure site)

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.

Card Snapshot

Welcome Bonus & Info

  • 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 purchases.
  • 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® Resort and Walt Disney World® Resort.
  • Save 10% on select purchases at DisneyStore.com
  • Member FDIC

Rewards Center

Disney Rewards

Customer Service Number

800-432-3117

Pros

  • Save 10% on select purchases at shopDisney.com 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

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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

Welcome Offer and Earning Categories

With the current welcome bonus offer, you can: Earn a $300 Statement Credit after you spend $1,000 on purchases in the first 3 months from account opening. That’s money for your favorite Disney merchandise!

Then, earn 2% in Disney Rewards Dollars on purchases at gas stations, grocery stores, restaurants, and most Disney locations. Plus, earn 1% in Disney Rewards Dollars for all of your other card purchases.

Disney Premier Card Perks

The Disney Premier card also comes with a bunch of perks, like 10% off Disney Store and shopDisney.com purchases.

But that’s not all. Get 15% off select guided tours and pose for special photos at private Cardmember locations at Disneyland® and Walt Disney World® Resorts with complimentary downloads of your photos, too.

Bottom Line: Get perks like discounts on merchandise along with special photo opportunities when you have the Disney Premier card.

0% APR Vacation Package Benefit

A unique feature of the Disney Premier card is 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%. 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 special photoshoots, the card may not be the first choice for those who aren’t frequent Disney park attendees.

Another option is the Disney® 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 Disney Rewards Dollars for purchases at grocery stores, restaurants, and gas stations. Second, the welcome offer is typically less.

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

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

As an example, the Capital One Venture Rewards Credit Card earns a flat 2x per dollar on all purchases.

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

Best Way To Redeem Disney Rewards Dollars

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

Disney Rewards Dollars

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

Before you can redeem your Disney 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.

Airline Statement Credit

Using the airline ticket benefit allows you to get value from the Disney Premier 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 Rewards 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 Rewards 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.

Best Way To Maximize Disney Rewards Dollars

Because you earn Disney Reward Dollars for your spending, the Disney Premier 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.

The information regarding the Capital One VentureOne Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

Is the Disney Premier card worth it?

Disney fans can find great value from the card. You earn 2% in Disney Rewards Dollars at supermarkets, restaurants, gas stations, and select Disney locations, plus 1% everywhere else.

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

What are the benefits of the card?

The Disney Premier card comes with perks like 10% off purchases at select locations most days at the Disneyland® and Walt Disney World® Resorts and aboard Disney Cruise Line ships.

You also get 15% off guided tours at both parks.

Is there an annual fee on the Disney Premier card?

The annual fee is $49.

What are Disney Rewards Dollars?

Disney Rewards Dollars are currency you can redeem toward most Disney products and offerings or airline travel.

When do Disney Rewards Dollars post to your account?

Disney Rewards 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 Rewards 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.

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

How do you redeem for airline tickets?

Redeem Disney Rewards Dollars for airline tickets on any airline to any destination. Simply purchase tickets on your card and pay yourself back by exchanging Disney Rewards Dollars for a credit on your monthly statement within 60 days of purchase.

Each Rewards 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 Disney Premier card or Disney card?

There are 2 major differences between the cards: annual fee and cash back.

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

Does the Disney Premier card have a foreign transaction fee?

Yes, there is a 3% foreign transaction fee.

Does the Disney Premier 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 Disney Premier card login?

Access your account at https://www.chase.com/.

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About Alex Miller

Founder and CEO of Upgraded Points, Alex is a leader in the industry and has earned and redeemed millions of points and miles. He frequently discusses the award travel industry with CNBC, Fox Business, The New York Times, and more.

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