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.
MoneyGeek’s Take
Disney® Premier Visa® Card Review
Updated: October 23, 2024
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Disney® Premier Visa® Card
On Issuer's Site
Rewards Summary
Earn 1% – 5% cash backEarn 5% in Disney Rewards Dollars on card purchases made directly at DisneyPlus.com, Hulu.com or ESPNPlus.com, 2% in Disney Rewards Dollars on card purchases at gas stations, grocery stores, restaurants and most Disney U.S. locations
and 1% on all other purchases.
APR
18.74% - 27.74% VariableAnnual Fee
$49Recommended Credit
740-850 (Excellent)Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
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Disney® Premier Visa® Card Overview
The Disney® Premier Visa® Card offers a $400 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.
Quick Take
Introductory Offers
- Earn a $400 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.
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 18.74% - 27.74% 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.
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 18.74% - 27.74% 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: 18.74% - 27.74% (Variable)
- Rewards rate: 1%–5%
- Welcome offer: $400 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: 19.99% - 28.74% (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.
sources
- Chase. "How often is your credit score updated?." Accessed October 16, 2024.
- Chase. "Our Most Popular Rewards Cards." Accessed October 16, 2024.
- Chase. "Stress less with Travel, Purchase and Fraud Protection." Accessed October 16, 2024.
- Consumer Financial Protection Bureau. "Credit card agreement database." Accessed October 16, 2024.
- Disney. "Create memories with the Disney® Visa® Credit Cards from Chase." Accessed October 16, 2024.
- Disney. "Disney® Visa® Credit Cards." Accessed October 16, 2024.
- Disney. "General Questions about Disney Rewards." Accessed October 16, 2024.
- Disney. "Make Your Celebration Special with the Disney®Premier Visa®Card." Accessed October 16, 2024.
- https://disneyworld.disney.go.com/visa-card/. "J.D. Power." Accessed October 16, 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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Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.