Disney Premier Visa Card overview
The Disney® Premier Visa® Card has a low annual fee of $49 and comes with perks that can enhance your Disney trips and rewards in the form of “Disney Rewards Dollars.” The earning structure and redemption options aren’t the most lucrative on the market when compared to other, more flexible travel rewards cards, but this card may still make sense for you if you regularly vacation at Disney or are planning a once-in-a-lifetime trip where you could benefit from the welcome offer and theme park perks. Card rating*: ⭐⭐
*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
While this card offers benefits and rewards that can be valuable, the Disney Premier Visa Card has limited redemption options that may or may not make sense for you. Instead of points, miles or cash back, this card earns “Disney Reward Dollars.” You earn the most Disney Reward Dollars on Disney-related purchases, making this card more lucrative for Disney loyalists.
With only a $49 annual fee, you can find value if you spend a lot at Disney annually. The question you need to ask yourself (and the one we hope to answer in this review) is whether this card will provide you with more value than other cards on the market.
TPG recommends that you have a credit score of around 670 to increase your chances of approval.
Let’s take a closer look at the Disney Premier to see if it makes sense for you.
Disney Premier pros and cons
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Disney Premier welcome offer
New Disney Premier Visa cardholders can earn a $400 statement credit after spending $1,000 on purchases in the first three months after account opening.
This offer is not available to current cardholders or anyone who has received a welcome bonus on the card in the past 24 months.
A $400 statement credit is equivalent to a three-day ticket if you visit on one of Disney’s cheapest days, a two-night stay at one of Disney’s value resorts like Disney’s All-Star Music Resort or a one-night stay at a mid-tier resort like Disney’s Port Orleans French Quarter Resort.
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When you pay for your vacation with this card, the welcome offer statement credit could essentially offset a portion of your vacation.
Disney Premier benefits
The Disney Premier card offers reasonable perks for Disney loyalists, including a statement credit, Disney discounts and the fun option of choosing from over 12 card designs with favorite characters like Mickey, Princess Tiana and Darth Vader.
Disney Bundle statement credit
Subscribers can earn back up to $16.99 each month for up to three consecutive months in statement credits on qualifying Disney Bundle purchases.
If you’re already a subscriber, you can change your payment method to the Disney Premier to begin receiving this statement credit.
In short, you can get around $50 back on your Disney+, Hulu or ESPN+ subscriptions when you pay using your Disney Premier card over three months. This credit alone nearly offsets the annual fee, but keep in mind other cards will cover all or a portion of your Disney+ or Disney Bundle subscription every single month.
Complimentary DashPass membership
Like several other Chase cards, the Disney Premier comes with one year of complimentary DashPass, a membership for DoorDash and Caviar that provides unlimited $0 delivery fees and reduced service fees on eligible orders. The regular price for this service is $9.99 per month. You must activate by Dec. 31, 2027 to receive this offer.
As this offer is available on other Chase cards, this isn’t necessarily a reason to get the Disney Premier, but it is a nice perk if you were already planning to get the card.
Shopping, dining and entertainment perks and discounts
Disney Premier cardholders can save 10% on select credit card purchases at DisneyStore.com. As a cardholder, you’ll also get 10% off eligible merchandise and dining purchases at select in-park locations at Disneyland and Disney World and 10% off select merchandise purchases aboard Disney cruises.
Additionally, the card offers 15% off the non-discounted price of select guided tours at Disneyland and Disney World when you use your card, 10% off select recreation experiences, a 20% discount on tickets to Cirque du Soleil’s “Drawn to Life” at Disney Springs and complimentary photo ops only available to Disney Visa cardholders.
Outside of the parks, cardholders receive discounts on their first year of an annual Marvel Unlimited subscription (20% off) and a special Cardmember VIP package for select Disney on Broadway shows.
Exclusive vacation offers
Disney regularly releases limited-time offers that are only available to Disney Visa cardholders. These can include Disney World and Disneyland hotel discounts, free Disney dining plan packages at Disney World and more.
Travel protections
The Disney Premier offers useful travel protections, such as baggage delay insurance, purchase protection and extended warranty protection.
Vacation financing
Disney Premier cardmembers can get 0% promotional APR financing for 6 months on select Disney vacation packages from the date of purchase when paying with this card (then a variable APR of 18.24%–27.24% applies). This applies to Disney World, Disneyland, Disney Cruise Line, Aulani, A Disney Resort & Spa and Adventures by Disney.
Earning rewards on the Disney Premier
With the Disney Premier, you’ll earn 5% back in the form of Disney Rewards Dollars on card purchases made directly at DisneyPlus.com, Hulu.com or ESPNPlus.com; 2% back at gas stations, grocery stores, restaurants and most Disney U.S. locations; and 1% back on all other purchases.
A 2% return on travel-related purchases isn’t overly lucrative, but you may enjoy the simplicity of putting all of your purchases on one card and using the rewards to offset the cost of your Disney vacation.
That said, other low-annual-fee cards have better overall earnings rates when you factor in the lower rates the Disney Premier offers in most categories.
Redeeming rewards on the Disney Premier
As mentioned, this card earns Disney Rewards Dollars. You can redeem Disney Rewards Dollars toward theme park tickets, hotel stays, shopping and dining at U.S. Disney parks, Disney Cruise Line packages, onboard activities and souvenirs, Disney movie tickets at AMC theaters and shopping at DisneyStore.com.
A redemption option that is unique to this card and not available with the no-annual-fee Disney® Visa® Card is the option to use Chase’s “Pay Yourself Back” feature to redeem Disney Rewards Dollars for a statement credit toward airline purchases. Note you must use your Disney Premier card and purchase the airfare directly with the airline.
Which cards compete with the Disney Premier?
When it comes to spending at Disney, the Disney Premier is a good bet. Outside of that, though, consider these alternatives:
- If you don’t want an annual fee: The no-annual-fee Disney Visa Card has a lower earnings rate — 1% back in Disney Rewards Dollars on all card purchases — but you’ll still enjoy some of the same discounts and vacation benefits that come with the Disney Premier. For more information, read our full review of the Disney Visa.
- If you want to earn points and save money on Disney vacations: The Chase Sapphire Reserve® earns 10 points per dollar on hotels and car rentals booked through Chase Travel℠, 5 points per dollar on flights booked through Chase Travel and 3 points per dollar on other travel and dining purchases.* You can also use the card’s annual $300 travel credit to cover purchases that code as travel. Availability is hit or miss, but you can occasionally redeem Chase Ultimate Rewards points for Disney tickets via Chase Travel. For more information, read our full review of the Sapphire Reserve.
- If you want simplified rewards: The Citi Double Cash® Card (see rates and fees) offers 2% earnings on all purchases — 1% when you make a purchase and another 1% when you pay it off — and is one of the most straightforward cash-back cards out there. This card is a great choice if you want easy rewards for no annual fee. For more information, read our full review of the Citi Double Cash.
For additional options, check out our full list of the best travel cards and the best credit cards for Disney.
*You’ll earn bonus points on eligible travel purchases after the first $300 is spent on travel annually.
Read more: Are the Disney Visa credit cards worth it?
Bottom line
Even with an affordable $49 annual fee, the Disney Premier only makes sense for those who visit Disney often and can take advantage of the card’s full suite of perks. Those who can’t make use of the in-park benefits and vacation discounts may be better off with a general travel card that has higher earning rates and more flexible redemption options.
Apply here: Disney Premier Card