|Rewards Rating:||3.2 / 5|
|Issuer Customer Experience:||4.0|
In a Nutshell:
Though this card may make sense for big Disney fans, its middling rewards rates and flexibility make its annual fee hard to justify for the average person.
Introductory Bonus [Average]
Chase Customer Service Ratings
Other notable features: Introductory APR for select Disney vacation packages; 10% off select merchandise purchases at select locations and 10% off select dining locations most days at the Disneyland® and Walt Disney World® Resorts; 10% on select purchases at shopDisney.com
The Disney® Premier Visa® Card can seem attractive at first glance if you’re a true Disney loyalist, and it’s easy to see why. Not only does it offer a sign-up bonus that’s competitive among comparable cards, but its rewards come in the form of Disney Dollars that can be used for Disney vacations and other redemptions from the Disney brand.
This means the Disney® Premier Visa® Card can help families start saving up for an expensive Disney vacation through regular spending and bills. However, the card’s $49 annual fee will eat away at the rewards earned over time, and the high APR can make carrying a balance expensive.
Because of the carrying costs for this card, we believe the Disney® Premier Visa® Card is best for families who spend enough to earn a considerable amount in rewards and plan to pay their balance in full each month. Read on to find out other reasons why you might want to sign up for this card and why you might prefer to skip it in favor of a different rewards credit card altogether.
Why you might want the Disney® Premier Visa® Card
You might want the Disney® Premier Visa® Card just so you can have a credit card with an image of Darth Vader emblazoned on the front, and that’s perfectly okay. However, there are other reasons to consider this card that extend far beyond the Disney card designs you get to choose from.
Generous sign-up bonus
This card starts you off with a $300 statement credit after you spend $1,000 on purchases within three months of account opening. This can be used for Disney vacations and other types of spending through the Disney brand.
Disney Bundle credit
Cardholders also qualify for a statement credit of up to $13.99 per month for up to three consecutive months when they subscribe to the qualifying Disney Bundle Trio subscription, or other qualifying subscriptions or add-ons purchased directly at Disneyplus.com, Hulu.com or Plus.espn.com as long as they total $12.99 per month or more. The subscription must be paid with the Disney® Premier Visa® Card to qualify.
Exceptional rewards rate on certain Disney purchases
This card earns 5% in Disney Rewards Dollars on purchases made directly at DisneyPlus.com, Hulu.com or ESPNPlus.com, which can add up over time. Cardholders can also earn 2% in Disney Rewards Dollars at most Disney U.S. locations, as well as on purchases at gas stations, grocery stores and restaurants.
Qualify for Disney perks
Several Disney perks come automatically with this card, including discounts on select Disney merchandise (terms apply), discounts on dining at Disney resorts and even discounts on select guided tours at eligible Disney properties. Cardholders also get 10% off eligible credit card purchases at shopDisney.com
Why you might want a different card
While the reasons above are good ones if you’re considering the Disney® Premier Visa® Card, there are plenty of other reasons to consider a different rewards credit card. After all, most cash back credit cards let you redeem rewards for statement credits, which you could ultimately use to help pay for a Disney vacation if that’s what you’re after.
Lackluster rewards rate for most purchases
The 2% rewards rate on purchases at gas stations, grocery stores, restaurants and most Disney U.S. locations this card offers is okay, but several cash back credit cards offer 2% cash back on everything you buy. Not only that, but the Disney® Premier Visa® Card offers a disappointing rewards rate of 1% back on regular spending.
Inflexible redemptions for rewards
This card earns Disney Rewards Dollars, which can be redeemed for theme park tickets, resort stays, Disney shopping and other eligible Disney purchases. You can also redeem rewards for airline statement credits at a rate of one cent per point. That said, you have to load your card rewards onto a Redemption Card before you can use them. You also need a minimum of $20 Disney Rewards Dollars to do so.
In the meantime, other cash back credit cards let users redeem for more flexible options like statement credits and cash back transferred to a bank account. Many other cash back credit cards also let you redeem for statement credits in any amount without a minimum threshold.
Too many fees
Not only does the Disney® Premier Visa® Card require a $49 annual fee, but it also charges foreign transaction fees. The card also has a high variable APR, and no intro APR offer for regular purchases or balance transfers.
Disappointing 0% intro offer for Disney vacations
While the Disney® Premier Visa® Card offers 0% APR on Disney vacation packages and Disney Vacation Club® Resort memberships booked with the card, this benefit only lasts for six months. After that, the regular variable APR of 19.24% – 28.24% applies.
By comparison, you can find a range of cash back credit cards that offer 0% APR on purchases, balance transfers or both for up to 15 months.
How does the Disney® Premier Visa® Card compare to other rewards credit cards?
Wells Fargo Active Cash® Card
Chase Freedom Unlimited®
Disney® Visa® Card
|Rewards rate||2% cash rewards on purchases||5% cash back on travel through Chase Ultimate Rewards3% back on dining and drugstore purchases1.5% back on other spending||1% in Disney Rewards Dollars on all purchases|
|Welcome bonus||$200 cash rewards when you spend $500 within three months of account opening||$200 when you spend $500 within three months of account opening||$150 when you spend $500 within three months of account opening|
|Introductory APR||0% APR for 15 months from account opening on purchases and qualifying balance transfers||0% APR on purchases and balance transfers for 15 months||0% APR on select Disney vacation packages for 6 months|
|Regular APR||20.24%, 25.24%, or 29.99% variable||20.49% – 29.24% variable||19.24% – 28.24% variable|
|Other things to know||Comes with cell phone protection||Comes with purchase protection, extended warranties, trip cancellation and interruption insurance and secondary auto rental coverage||Comes with a range of discounts on Disney dining, select guided tours and Disney merchandise Also comes with baggage protection, purchase protection against damage or theft and extended warranty protection|
Disney® Premier Visa® Card vs. Wells Fargo Active Cash® Card
The Wells Fargo Active Cash® Card offers users a flat rate of 2% cash rewards on purchases with no annual fee. Plus, it comes with 0% intro APR for 15 months from account opening for purchases and qualifying balance transfers, followed by a variable APR of 20.24%, 25.24% or 29.99%. This makes it a good option for earning generous rewards on purchases, and even charging a Disney vacation and paying it down interest-free for more than a year.
You can redeem your rewards for statement credits, transfers to an eligible Wells Fargo account, gift cards and more.
Disney® Premier Visa® Card vs. Chase Freedom Unlimited® credit card
The Chase Freedom Unlimited® credit card is also worth considering if you want to earn more rewards on regular purchases and avoid paying an annual fee. This card offers a flat rate of 1.5% cash back on all non-bonus purchases, plus 3% back on dining and drugstore spending and 5% back on eligible travel purchases through Chase Ultimate Rewards.
Better yet, new cardholders qualify for 0% intro APR on purchases and balance transfers for 15 months, followed by a variable APR of 20.49% – 29.24%. Rewards can be redeemed for cash back, statement credits, gift cards, merchandise and more.
Disney® Premier Visa® Card vs. Disney® Visa® Card
If you really want a co-branded Disney credit card but you don’t want to pay an annual fee, check out the Disney® Visa® Card. This card charges $0 in annual fees each year, yet you’ll earn a smaller welcome offer and a lower rate of just 1% back in Disney Rewards Dollars on all purchases.
How to use the Disney® Premier Visa® Card
If you have your heart set on the Disney® Premier Visa® Card but you want to make the most of it, consider this list of tips and tricks.
- Set your card as your preferred payment method for eligible subscriptions. To take advantage of the Disney bundle credit offer, you’ll need to set your card up as your preferred payment method for eligible subscriptions. You’ll want to anyway since the Disney® Premier Visa® Card offers 5% back on purchases made directly at DisneyPlus.com, Hulu.com or ESPNPlus.com.
- Use your Disney® Premier Visa® Card for purchases that earn 2% back or more. We recommend using this card in its 5% and 2% cash back categories as much as you can since doing so will help you boost your rewards haul over time.
- Switch to a flat-rate cash back credit card for other, non-bonus spending. In the meantime, switch to a flat-rate cash back credit card that earns at least 1.5% or 2% cash back for other purchases.
- Pay your balance in full every month. This card’s high variable APR makes it a poor option for carrying a balance, so only charge purchases you can afford to pay off completely. Also make sure to pay your bill on time each month.
- Refer friends to earn more rewards. Finally, Chase and Disney let cardmembers refer friends and get 100 Disney Rewards Dollars for each one (up to 5) that gets approved. This is a good way to earn more rewards over time without extra spending on your card.
Is the Disney® Premier Visa® Card right for you?
The Disney® Premier Visa® Card is not the most lucrative rewards credit card available today, but it makes sense why some people still sign up. It’s nice to have a credit card with so many Disney designs to choose from, and the Disney discounts you get as a cardholder can add up quickly if you’re always spending money with the Disney brand.
That said, it’s important to recognize that you’re giving something up to get a card that’s co-branded with Disney. After all, many credit cards have better rewards rates and intro offers, plus a lot more flexibility when it comes to redeeming rewards.
*All information about the Chase Freedom Unlimited® has been collected independently by CreditCards.com and has not been reviewed by the issuer.
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