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Disney Premier Visa Review

Disney Premier Visa Review

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated Sep 05, 2019. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

If there’s a trip to Disney in your future, why not opt for a credit card that lets you earn bonus rewards in popular spend categories, such as gas and restaurants, and redeem those rewards for Disney experiences? Along with Disney-related perks and discounts, the Disney® Premier Visa® Card offers a solid rewards rate: Earn 2% in Disney Rewards Dollars on card purchases at gas stations, grocery stores, restaurants and most Disney locations. Earn 1% on all your other card purchases.

You can redeem Disney Rewards Dollars for Disney experiences, including Disney Theme Park tickets, resort stays, shopping, dining, movies, cruise lines and more. You can also redeem Rewards Dollars for a statement credit toward airline travel.

The Disney® Premier Visa® Card comes with an annual fee of $49 each year. However, the sign-up bonus alone can more than make up for that fee the first year: Earn a $200 Statement Credit after you spend $500 on purchases in the first 3 months from account opening with a new Disney Premier Visa Card.

In this review, we’ll break down the pros and cons of the Disney® Premier Visa® Card, as well as show how it compares to the Disney® Visa® Card.

Where the Disney® Premier Visa® Card stands out

Rewards rate. In addition to Disney-related purchases, the Disney® Premier Visa® Card offers a generous rewards rate in popular spend categories. Earn 2% in Disney Rewards Dollars on card purchases at gas stations, grocery stores, restaurants and most Disney locations. Earn 1% on all your other card purchases.

Sign-up bonus. Earn a $200 Statement Credit after you spend $500 on purchases in the first 3 months from account opening with a new Disney Premier Visa Card.

Vacation financing. The Disney® Premier Visa® Card offers a 0% Promo APR for the first six months on select Disney vacation packages or the purchase of a real estate interest in a Disney Vacation Club Resort. After the promotional period ends, a 17.74% Variable APR applies.

Additional Disney® Premier Visa® Card benefits*

  • Save 10% on select shopping and dining purchases at Disneyland and Walt Disney World Resorts.
  • Enjoy exclusive photo opportunities with Disney or Star Wars characters.
  • Save 10% on select purchases at Disney store and shopdisney.com.
  • Get access to exclusive card member events at Disney store.
  • Choose from 10 Disney- or Star Wars-themed card designs.

*Terms apply

Where the Disney® Premier Visa® Card falls short

Annual fee. The Disney® Premier Visa® Card comes with an annual fee of $49. However, depending on how much you spend on Disney-related purchases, the rewards and discounts you’ll receive may cover the card’s annual fee each year.

Foreign transaction fees. You will be charged a fee of 3% of each transaction in U.S. dollars when you use your card to make purchases outside of the U.S.

Compare it with the Disney® Visa® Card

If you like the Disney-friendly perks that come with the Disney® Premier Visa® Card, but not the annual fee, you should consider the Disney® Visa® Card instead.

Along with a $0 annual fee, the Disney® Visa® Card offers a flat rewards rate on every purchase: Earn 1% in Disney Rewards Dollars on all card purchases.

See how the cards compare side-by-side in the table below.

Disney® Premier Visa® Card Disney® Visa® Card
Annual fee $49 $0
Sign-up bonus Earn a $200 Statement Credit after you spend $500 on purchases in the first 3 months from account opening with a new Disney Premier Visa Card. Get a $50 Statement Credit after first purchase with a new Disney Visa Card.
Rewards Earn 2% in Disney Rewards Dollars on card purchases at gas stations, grocery stores, restaurants and most Disney locations. Earn 1% on all your other card purchases. Earn 1% in Disney Rewards Dollars on all card purchases
Intro APR on purchases 0% Promo APR for the first six months on select Disney vacation packages 0% Promo APR for the first six months on select Disney vacation packages
Intro APR on balance transfers N/A N/A
Regular purchase APR 17.74% Variable 17.74% Variable
Regular balance transfer APR 17.74% Variable 17.74% Variable
Foreign transaction fees 3% of each transaction in U.S. dollars 3% of each transaction in U.S. dollars

Like the Disney® Premier Visa® Card, the Disney® Visa® Card offers a 0% Promo APR for the first six months (then 17.74% Variable APR) on purchases on select Disney vacation packages or the purchase of a real estate interest in a Disney Vacation Club Resort.

The main items that set these cards apart are the rewards rates, the sign-up bonuses and the annual fees. Additionally, unlike the Disney® Premier Visa® Card, you cannot redeem Rewards Dollars for a statement credit toward airline travel with the Disney® Visa® Card. However, you can redeem your Disney Visa rewards dollars toward Disney theme park tickets, resort stays, shopping, dining, movies and cruise lines.

The bottom line

Overall, the Disney® Premier Visa® Card is a good option if you want to earn bonus rewards to use toward Disney experiences. But if you simply want to take advantage of Disney-related perks and discounts, the $0-annual-fee Disney® Visa® Card is the better choice.

Or, if you’d prefer a flat-rate card with more redemption flexibility, you may want to consider the Capital One® Venture® Rewards Credit Card instead. Capital One® Venture® Rewards Credit Card members earn 2 Miles per dollar on every purchase, every day, that can be redeemed for flights, hotel stays, car rentals, gift cards and more — which can help fund a Disney vacation. Plus, you can transfer miles to 14 airline transfer partners, including Air France KLM, Air Canada, Emirates Skywards and more.

The information related to the Disney® Premier Visa® Card and Disney® Visa® Card has been independently collected by CompareCards and has not been reviewed or provided by the issuer of this card prior to publication.


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