Edited by: Stella Shon
& Kellie Jez
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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.
With the current welcome bonus offer, you can: Earn $300 Statement Credit after you spend $1,000 on purchases in the first 3 months.. 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.
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 Cardmemeber locations at Disneyland® and Walt Disney World® Resorts with complimentary downloads of your photos, too.
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%
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.
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 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.
You only have 2 main options for redeeming points with the card: Disney Rewards Dollars or statement credit for airline tickets.
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.
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.
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.
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.
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.
The annual fee is $49.
Disney Rewards Dollars are currency you can redeem toward most Disney products and offerings or airline travel.
Disney Rewards Dollars post to your account at the end of the billing cycle in which they accrued.
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.
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.
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.
Yes, there is a 3% foreign transaction fee.
No, however, you do receive a 0% APR for 6 months on select Disney vacation packages.