All information about the Disney® Premier Visa® Card has been collected independently by CardCritics™
Disney Premier Visa Card Review: Disney Perks That Reward Loyal Fans Year After Year
-
Written by
Michelle Lambright Black
-
Edited by
Jasmin Baron, CCC™
The Disney® Premier Visa® Card blends everyday rewards with exclusive Disney perks. Cardholders earn Disney Rewards Dollars and unlock in-park savings, character experiences, and select shopping and vacation discounts. With a $49 annual fee, this card can be a solid fit for Disney fans who visit often and want perks beyond standard rewards.
If Disney vacations sit high on your priority list, the Disney Premier Card deserves consideration.
400+ Credit Cards
Analyzed independently across 50+ data points in 30+ product categories
Reviewed
By a team of credit card experts with an average of 9+ years of experience
Trusted by
More than one million monthly readers seeking unbiased credit card guidance
CardCritics™ editorial team is dedicated to providing unbiased credit card reviews, advice and comprehensive comparisons. Our team of credit card experts uses rigorous data-driven methodologies to evaluate every card feature, fee structure and rewards program. In most instances, our experts are longtime members or holders of the very programs and cards they review, so they have firsthand experience maximizing them. We maintain complete editorial independence — our ratings and recommendations are never influenced by advertiser relationships or affiliate partnerships. You can learn more about our editorial standards, transparent review process and how we make money to understand how we help you make informed financial decisions.
Purchase and Balance Transfer APR
18.24% – 27.74% Variable
Intro Bonus
Get a $200 Disney Gift Card eGift to use today upon approval + earn a $100 statement credit after you spend $500 on purchases in the first 3 months from account opening.
Rewards
1% – 5% Earn 5% in Disney Rewards Dollars on card purchases made directly at Disney Plus.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.
Recommended Credit Score
Good – Excellent
670 – 850*
Annual Fee
$49
CardCritics™ Opinion
In general, the Disney Premier Visa Card works best for frequent Disney visitors who value in-park discounts and exclusive experiences. The higher rewards structure helps you earn more rewards over time, especially if you consistently redeem Disney Rewards Dollars for park tickets, cruises or resort stays. However, if you prefer more versatile rewards, a travel credit card that earns flexible points may be a better option.
Our Critical Analysis:
Disney® Premier Visa® Card
- Welcome bonus worth up to $300
- Bonus rewards on DisneyPlus.com, Hulu.com, and ESPNPlus.com purchases, and at gas stations, grocery stores, restaurants, and most Disney locations
- Exclusive in-park Disney Character experiences at Disneyland® and Walt Disney World® Resorts
- Discounts on select dining and merchandise at Disney parks
PROS
- $49 annual fee
- Rewards redeemable only for Disney purchases and Pay Yourself Back for airline purchases
- Lower earning potential than many travel rewards credit cards
- Charges foreign transaction fees
CONS
Disney Premier Benefits
I’ve carried my Disney Premier Visa Card since it first became available, and I keep it because the stronger rewards earning easily offsets the modest annual fee for my family. When we start planning our next Disney vacation, watching those Disney Rewards Dollars grow feels like stacking up pixie dust for our next adventure. However, I pair the card with other flexible travel rewards credit cards to maximize my rewards earnings and redemptions outside Disney.
Earn Disney Rewards Dollars on Everyday Spending
The card earns 5% in Disney Rewards Dollars on purchases at DisneyPlus.com, Hulu.com and ESPNPlus.com. You’ll also earn 2% at gas stations, grocery stores, restaurants, and most Disney locations. All other eligible purchases will earn you 1% Disney Rewards Dollars.
You can redeem rewards for Disney travel, theme park tickets, merchandise, and more by loading them onto a Disney Rewards Redemption Card once you reach 20 Rewards Dollars. Cardholders can also redeem through Pay Yourself Back for eligible Disney purchases and airline tickets.
I use my Disney Premier Card for Disney purchases and select everyday spending that falls into the 2% bonus categories. The higher bonus category rewards are the primary way I offset the card’s modest $49 annual fee. However, I still lean on other Chase credit cards and premium rewards credit cards when I want more earning power in certain spending categories, stronger travel protections or flexible point transfers.
Welcome Offer
The card offers an appealing welcome bonus: Get a $200 Disney Gift Card eGift to use today upon approval + earn a $100 statement credit after you spend $500 on purchases in the first 3 months from account opening.
You can use the eGift at Walt Disney World® Resort, Disneyland® Resort, Disney Cruise Line, DisneyStore.com, and other participating Disney locations. The low spending requirement for the statement credit makes it easy for most households to meet the second portion of the offer, especially if you time your application to coincide with everyday bills or upcoming Disney expenses.
Keep in mind that the bonus isn’t available to current cardholders or those who have earned a new cardmember bonus on the card within the last 24 months. Chase may also issue a 1099 for the value of the welcome bonus in certain situations. So be aware of that possibility for tax reporting purposes.
Limited-Time Cardmember Offers
In addition to year-round perks, Disney Premier cardholders receive access to rotating limited-time offers. These promotions may include bonus rewards categories, exclusive merchandise opportunities or seasonal savings available only to cardmembers.
As a Disney Premier cardholder, I’ve received several targeted offers, such as earning 5% total in Disney Rewards Dollars on up to $1,000 in combined purchases at grocery stores, gas stations, and restaurants, for a limited time. While these promotions aren’t guaranteed and vary by account, they can temporarily boost the card’s earning power beyond its standard structure if you’re lucky enough to receive one.
10% Off Dining and Merchandise
Cardholders receive 10% off select dining locations and merchandise at Disney World and Disneyland. This discount is available if you open the Disney Premier Visa Card, the no-annual-fee version of the card (the Disney® Visa® Card) or the Disney® Inspire Visa® Card, which has a $149 annual fee.
I’ve used this benefit to save money while sprinkling some extra magic into our family vacations in the past. Some of our favorite uses of the dining discount were character meals at The Crystal Palace with Winnie the Pooh and friends and 1900 Park Fare with Cinderella and other favorites. Since character meals can cost over $60 per adult, the savings add up quickly during multi-day trips.
Exclusive Disney Character Experiences
The Disney Premier Visa Card unlocks private character meet and greets at EPCOT and Disney’s Hollywood Studios, along with similar experiences at Disneyland Resort. In my experience, these character meet-and-greets often come with noticeably shorter wait times than general character lines.
With younger children, the perk has helped me save time and avoid long outdoor lines in the Florida heat on several family theme park vacations. On numerous occasions, we’ve walked into EPCOT, shown our Disney Premier Visa Card, and stepped into a private photo session (after a short wait) with Mickey Mouse and friends or other classic Disney characters. For families planning a Disney vacation, that convenience adds real value.
Like the dining discount, this perk is available to all Disney co-branded cardholders, not just those with the Disney Premier. The key difference between the Disney Premier and the others is how quickly you can earn rewards.
Promotional Financing on Disney Vacations
Disney Visa Cardmembers can access special promotional financing on select Disney vacation packages: a 0% APR for six months on select Disney vacation packages from the date of purchase (then a 18.24% – 27.74% Variable APR). Eligible trips may include bookings to Walt Disney World® Resort, Disneyland® Resort, Disney Cruise Line sailings, Adventures by Disney® National Geographic Expeditions, and AULANI, A Disney Resort and Spa.
To qualify, you need to book through Walt Disney Travel Company, Disney Cruise Line, Adventures by Disney Travel Services or other eligible booking channels. You must charge the vacation package to your Disney Premier Visa Card before your trip begins.
Promotional financing can help you spread out vacation payments while avoiding interest charges for up to six months. But it works best when you already have a payoff plan. Carrying a balance beyond the promotional period can quickly outweigh any rewards you earn. Additionally, even with 0% APR, carrying an outstanding balance on your card can still increase your credit utilization ratio and affect your credit score.
Discounts on Select Tours and Experiences
Cardmembers receive discounts on select guided tours and experiences at Walt Disney World® Resort, including savings on several behind-the-scenes options.
Several guided tours eligible for discount include:
- Disney’s Keys to the Kingdom Tour (Magic Kingdom Park)
- EPCOT Seas Adventures — DiveQuest (EPCOT)
- Behind the Seeds (EPCOT)
- Caring for Giants (Animal Kingdom)
- Up Close with Rhinos (Animal Kingdom)
- Wild Africa Trek (Animal Kingdom)
- Savor the Savana: Evening Safari Experiences (Animal Kingdom)
- Starlight Safari at Disney’s Animal Kingdom Lodge
- Wilderness Back Trail Adventure
Years ago, I booked the Disney’s Keys to the Kingdom Tour at Magic Kingdom and received 15% off with my Disney Premier Visa Card. That experience remains one of my favorite Disney memories. The current price for the five-hour tour is $169 to $189 per person (before tax). If you enjoy premium Disney experiences, these savings can make the card even more appealing.
Disney Premier Drawbacks
Even for loyal Disney fans, the Disney Premier Visa Card has limitations worth considering.
Modest Rewards
The card earns 5% in Disney Rewards Dollars on eligible purchases made directly through DisneyPlus.com, Hulu.com, and ESPNPlus.com, plus 2% at gas stations, grocery stores, restaurants, and most Disney locations. That rewards rate can appeal to families who want bonus rewards in those categories.
However, some competing rewards cards offer statement credits for streaming subscriptions instead of bonus rewards. Depending on your streaming habits, a fixed credit could deliver more predictable value. Outside the bonus categories, many travel credit cards offer higher earning rates and more flexible redemption options.
Annual Fee
The $49 annual fee is manageable compared to many rewards credit cards. Still, the no-annual-fee Disney Card offers similar in-park perks without the extra cost. The key difference comes down to the higher rewards-earning structure on the Disney Premier.
If you don’t spend heavily in the 2% and 5% bonus categories, the annual fee might not justify itself.
Who Is the Disney Premier Visa Card Best For?
The Disney Premier Visa Card is best for Disney loyalists who visit the parks, cruise with Disney or shop at Disney frequently. If you regularly redeem Disney Rewards Dollars for tickets, resort stays or merchandise, the stronger earning structure can quickly offset the card’s modest $49 annual fee.
The card also works for families who plan at least one Disney vacation every year or two. Watching your rewards grow throughout the year can make vacation planning feel intentional. I personally enjoy logging into my account before a trip and seeing a stash of Disney Rewards Dollars ready to help cover park tickets.
However, this card works best as part of a broader travel rewards strategy. For flights, hotels outside Disney and large travel purchases, I still use other premium travel rewards credit cards that offer higher earning power, flexible redemptions and better travel protections.
Is It the Right Card for You?
The Disney Premier Visa may be a good addition to your travel credit card lineup if you:
- Visit Walt Disney World, Disneyland, or sail on Disney Cruise Line often
- Stream Disney+, Hulu or ESPN+ and benefit from 5% rewards
- Spend heavily in the 2% bonus rewards categories.
- Value in-park perks, Disney merchandise discounts and character experiences.
- Want a modest annual fee card that offers Disney-focused rewards.
Alternatives to the Disney Premier Card
Before you apply for a new account, it’s always smart to shop around and compare alternatives.
- Disney Card: This card offers the same in-park discounts and character photo opportunities with no annual fee. However, it earns fewer rewards — just 1% Disney Rewards Dollars on all eligible card purchases. If you value Disney-related perks but spend less overall, this option might be a better fit.
- Disney Inspire Card: With a $149 annual fee, the Disney Inspire offers elevated rewards, a larger welcome bonus offer and additional statement credits for Disney purchases. It may appeal to frequent Disney travelers who want more premium perks. But the higher annual fee requires more spending to justify.
- Chase Sapphire Preferred® Card: If flexibility and earning power matter more than Disney-specific perks, the $95-annual-fee Chase Sapphire Preferred Card is worth considering. It offers strong bonus category rewards, travel protections, a $50 annual Chase Travel℠ hotel credit and flexible reward redemptions.
Card Details From Chase
- Get a $200 Disney Gift Card eGift to use today upon approval + earn a $100 statement credit after you spend $500 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 Plus.ESPN.com. Earn 2% in Disney Rewards Dollars on card purchases at gas stations and most Disney U.S. locations. Earn 2% on card purchases at grocery stores and restaurants. 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 18.24% – 27.74%
- 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
How Does the Disney Premier Stack Up Against Competitors?
The Disney Premier Visa Card focuses on Disney value, while many competitors prioritize flexible travel rewards and broader earning categories.
| Disney Premier Card | Disney Inspire Card | Chase Sapphire Preferred Card | |
| Welcome Bonus | Get a $200 Disney Gift Card eGift to use today upon approval + earn a $100 statement credit after you spend $500 on purchases in the first 3 months from account opening. | Get a $300 Disney Gift Card eGift to use today upon approval + earn a $300 statement credit after you spend $1,000 on purchases in the first 3 months from account opening. | Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. |
| Annual Fee | $49 | $149 | $95 |
| APR | 18.24% - 27.74% Variable | 18.24% - 27.74% Variable | 19.24% - 27.49% Variable |
| Rewards Rate | Earn 5% in Disney Rewards Dollars on card purchases made directly at Disney Plus.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. | Earn 10% in Disney Rewards Dollars on purchases made directly at DisneyPlus.com, Hulu.com or Plus.ESPN.com Earn 3% on qualifying purchases made at eligible gas stations and most Disney U.S. locations Earn 2% on eligible grocery stores and restaurants Earn 1% on all other card purchases | Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases. |
| Standout Feature | Disney-related discounts and perks | Numerous credits for Disney-related spending | Up to $50 in annual statement credits toward hotels booked through Chase Travel |
The information related to the Disney® Premier Visa® Card, Disney® Visa® Card and Disney® Inspire Visa® Card was collected by CardCritics™ and has not been reviewed or provided by the issuer of this product/card. Product details may vary. Please see issuer website for current information. CardCritics™ does not receive a commission for this product.
Frequently Asked Questions About the Disney Premier Card
Is the Disney Premier Visa Card worth it?
The Disney Visa Card can deliver solid value for frequent Disney travelers and shoppers who redeem rewards consistently. However, if you rarely visit Disney destinations, other rewards cards offer more flexibility.
What credit score do you need for the Disney Premier Visa?
Chase typically requires applicants to have good to excellent credit to be eligible for a new account. That means you need a FICO Score of 670 or higher, though approval depends on your full credit profile and other factors.
Can you use Disney Rewards Dollars for anything?
You can redeem Disney Rewards Dollars toward most Disney purchases in the U.S., including theme park tickets, resort stays, cruises, merchandise and select movie tickets. Disney Premier cardholders can also use Pay Yourself Back for eligible Disney purchases and airline tickets, but rewards don’t transfer to airline or hotel programs.
Do you get park discounts with the Disney Premier Visa?
You can redeem Disney Rewards Dollars toward most Disney purchases in the U.S., including theme park tickets, resort stays, cruises, merchandise and select movie tickets. Disney Premier cardholders can also use Pay Yourself Back for eligible Disney purchases and airline tickets, but rewards don’t transfer to airline or hotel programs.
Do you get park discounts with the Disney Premier Visa?
Disney Premier cardmembers receive 10% off select dining and merchandise, 15% off select tours and experiences, and access to exclusive in-park photo opportunities. These perks are also available with the Disney Inspire Visa Card and the no-annual-fee Disney Card option.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics™ references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.
