MoneyGeek’s Take

Disney® Premier Visa® Card Review

The Disney® Premier Visa® Card is for fans of Disney who want to take advantage of incentives relating to its attractions and merchandise. Instead of cash back, the Disney® Premier Visa® Card rewards Disney Reward Dollars, which can only be spent at Disney-themed locations.

By Doug Milnes, CFA

Reviewed by Alene Laney

Updated: December 9, 2024

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Disney® Premier Visa® Card

Rates & Fees

REVIEW & APPLY

On Issuer's Site

Rewards Summary

Earn 1% – 5% cash back

APR

18.49% - 27.49% Variable

Annual Fee

$49

Recommended Credit

740-850 (Excellent)

PROS
- Up to 5% in Disney Rewards Dollars on bonus categories
- 1% in Disney Rewards Dollars on all other purchases
- Spend-based welcome bonus
- Use Rewards Dollars at most Disney locations or to cover airline travel purchases
- Earn up to 15% off on select Disney purchases
- Intro 0% APR financing for Disney vacations
CONS
- Annual fee
- Foreign transaction fee
Introductory Offers
- Earn a $300 statement credit after spending $1,000 on purchases in the first three months from account opening.
Rewards
- Earn 5% in Disney Rewards Dollars on purchases made directly at DisneyPlus.com, Hulu.com, or ESPNPlus.com.
- Earn 2% in Disney Rewards Dollars on purchases at gas stations, grocery stores, restaurants, and most Disney U.S. locations.
- Earn 1% on all other purchases with no limits on the Rewards Dollars you can earn.
- There are no limits to the number of Rewards Dollars you can earn
APRs, Fees, and Penalties
- Enjoy a 0% promotional APR for six months on select Disney vacation packages from the date of purchase. After that, a variable APR of 18.49% - 27.49% applies.
Perks & Benefits
- Get 10% off select merchandise purchases at select locations and dining locations most days at Disneyland and Walt Disney World Resorts.
- Save 10% on select purchases at DisneyStore.com.

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The Disney® Premier Visa® Card benefits include earning Disney Rewards Dollars rather than cash back. Disney Rewards Dollars can be used to buy almost anything at most Disney stores as well as airline statement credits. Despite the fact that you can earn bonus points for a variety of purchases, the Disney Premier Visa benefits and rewards redemption possibilities are somewhat limited. Though it can help you save money on your Disney vacation, it has some restrictions that may only make it worth it for committed Disney fans.

Disney® Premier Visa® Card Overview

The Disney® Premier Visa® Card offers a $300 statement credit once you spend $1,000 on purchases during the first three months of having your card. This will make up for the card's $49 annual charge for the first year. Additionally, customers who want to maximize the Disney® Premier Visa® Card benefits can take advantage of the following bonuses and rewards.

Important Card Details

Before you apply for any credit card, it’s important to understand the fine print to ensure you aren’t caught off-guard by fees or charges. Here are the details you need to know about the Disney® Premier Visa® Card before applying.

Annual Fee

The $49 annual fee for the Disney® Premier Visa® Card is geared toward consumers who adore all things Disney and want privileges linked to Disney destinations and goods.

Regular APR

From the date of purchase, cardmembers receive a 0% promo APR for six months on select Disney vacation packages. Then, a variable APR of 18.49% - 27.49% applies.

Foreign Transaction Fee

Fees for foreign transactions using a Disney® Premier Visa® Card are 3% of the transaction amount in U.S. dollars.

Rewards rate

Depending on your purchases, you can earn anywhere from 1% to 5% rewards on your purchases.

Additional Benefits

Beyond the perks and bonuses, the Disney® Premier Visa® Card offers additional features that make the card worth considering as an option for your wallet. Here are some of its top features.

Security features: The majority of this card's security measures are tied to Visa's offerings. You can request a replacement card from Visa and get an emergency card within three business days.
Customer support: Cardholders can contact customer care at 1-800-300-8575 if they have any questions about their Disney® Premier Visa® Card application, Disney Rewards Redemption Card or card-related concerns.
Mobile banking app option: Customers can use the Chase mobile banking app for iOS and Android since the Disney® Premier Visa® Card is linked to Chase.

How the Disney® Premier Visa® Card Compares To Other Cards

The Disney® Premier Visa® Card offers excellent benefits for people who love Disney. However, to determine if it’s actually the best rewards card for you, comparing it to another card will enable you to make a more informed decision.

How the Disney® Premier Visa® Card Compares

Disney® Premier Visa® Card

Annual fee: $49
Regular APR: 18.49% - 27.49% (Variable)
Rewards rate: 1%–5%
Welcome offer: $300 statement credit after you spend $1,000 on purchases in the first 3 months from account opening
Best for: Disney fans who want a card with a great welcome bonus that gives them access to Disney-related perks by using the card for purchases across a wide range of categories

Chase Freedom Flex®

Annual fee: $0
Regular APR: 19.74% - 28.49% (Variable)
Rewards rate: 1%–5%
Welcome offer: $200 if you spend $500 in first 3 months
Best for: Those who are looking for a no-annual-fee package and the capacity to handle almost all of their credit card spendings without charging an outrageous amount.

Frequently Asked Questions

What is the average credit score needed to get approved for a Disney® Premier Visa® Card?

To be eligible for the Disney® Premier Visa® Card application, you must have a credit score of good or excellent (670 and above).

Does the Disney® Premier Visa® Card report to all three credit bureaus?

Yes. This card reports to all three credit bureaus.

Is the Disney® Premier Visa® Card application process lengthy? Can you prequalify?

There is no Disney® Premier Visa® Card pre-approval process. Luckily, the application process is not lengthy.

What information is needed to apply for a Disney® Premier Visa® Card?

You can apply for the Disney® Premier Visa® Card online. To start the application process, you need to select the card that best suits your needs and click Apply Now. The Chase application process requires your name, total gross income, Social Security number or ITIN and additional details.

Does the Disney® Premier Visa® Card have good customer service or satisfaction?

Chase issues the Disney® Premier Visa® Card. The company scored an 807 out of 1,000 consumer rating in the United States in the 2021 J.D. Power Credit Card Satisfaction Study.

Does the Disney® Premier Visa® Card have a mobile app or the option to pay or manage your account online?

Chase offers a mobile banking app for iOS and Android users. This app lets you pay and manage your accounts online.

Does the Disney® Premier Visa® Card raise credit limits automatically or charge for limit increases?

The Disney® Premier Visa® Card credit limit information is not provided on the website. However, in general, Chase may automatically increase a card’s credit limit every six to 12 months. It is also possible to contact Chase to request a credit limit increase.

Does the Disney® Premier Visa® Card offer the option to freeze your credit/account or have other security features?

The majority of this card's security measures are tied to Visa's offerings. You can request a replacement card from Visa and get an emergency card within three business days. In addition, Visa offers $0 liability on fraudulent purchases that are made with this card.

Does Chase offer other credit cards besides the Disney® Premier Visa® Card?

Yes. Chase also offers other credit cards in addition to the Disney® Premier Visa® Card. These include business and personal cards.

All information about the Disney® Premier Visa® Card and Chase Freedom Flex has been collected independently by Moneygeek.com and has not been reviewed by the issuer.

About Doug Milnes, CFA

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.

Read Full Bio »

sources

Chase. "How often is your credit score updated?." Accessed December 9, 2024.
Chase. "Our Most Popular Rewards Cards." Accessed December 9, 2024.
Chase. "Stress less with Travel, Purchase and Fraud Protection." Accessed December 9, 2024.
Consumer Financial Protection Bureau. "Credit card agreement database." Accessed December 9, 2024.
Disney. "Create memories with the Disney® Visa® Credit Cards from Chase." Accessed December 9, 2024.
Disney. "Disney® Visa® Credit Cards." Accessed December 9, 2024.
Disney. "General Questions about Disney Rewards." Accessed December 9, 2024.
Disney. "Make Your Celebration Special with the Disney®Premier Visa®Card." Accessed December 9, 2024.
https://disneyworld.disney.go.com/visa-card/. "J.D. Power." Accessed December 9, 2024.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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