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 Disney Card.
Disney Card Perks
The Disney 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 Disney Card.
0% APR Vacation Package Benefit
A unique feature of the Disney 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 Disney 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 Disney 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 earns a flat 2x on all purchases.
Bottom LineIn some cases, the Disney Premier card may be a good second card. You can accumulate Disney points for some purchases and use another card for your other spending.