MoneyGeek’s Take

Disney® Premier Visa® Card Review

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Updated: June 11, 2024

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Disney® Premier Visa® Card

Rewards RateEarn 5% in Disney Rewards Dollars on card purchase...
APR19.24% – 28.24% Variable
Annual Fee$49
Recommended Credit740-850 (Excellent)
  • We recommend this co-branded rewards card from Chase to people who wish to make the most of their Disney spending despite its $49 annual fee because it comes with various features and perks. For starters, you earn a $300 statement credit if you spend $1,000 on purchases within the first three months.You earn 5% in Disney Rewards Dollars when you use your card directly at DisneyPlus.com, Hulu.com or ESPNPlus.com. You can also earn 2% in Disney Rewards Dollars when you use your card at most Disney locations and on a few other bonus categories. All other purchases earn 1% in Disney Rewards Dollars. You may redeem your Rewards Dollars by using a Disney Rewards Redemption Card. Redeeming them toward airline travel is also an option.Using the Disney® Premier Visa® Card at shopDisney.com as well as at select Disneyland locations and Walt Disney World Resorts lets you save 10% on select merchandise. You also get access to special Disney vacation financing.Using this card outside of the U.S. is not recommended, the best way forward given that it charges foreign transaction fees.
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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.

Quick Take

  • $49 annual fee
  • Earn $300 as statement credit upon spending $1,000 on purchases in the first three months
  • Earn 5% in Disney Rewards Dollars when you use your card directly at DisneyPlus.com, Hulu.com or ESPNPlus.com
  • Earn 2% in Rewards Dollars at most Disney locations, restaurants, grocery stores and gas stations
  • Earn 1% in Rewards Dollars on all other purchases
  • Redeem Rewards Dollars at most Disney locations for shopping, dining, movies, theme park tickets, resort stays and more
  • Redeem Rewards Dollars as for a statement credit to cover airline travel purchases
  • Intro 0% APR on select Disney vacation packages for six months
  • Get 10% off select merchandise at select locations at Disneyland, Walt Disney World Resorts and on board Disney Cruise Line ships
  • Get 10% off at select dining locations on most days at Disneyland and Walt Disney World Resorts
  • Get 15% off select guided tours at Disneyland and Walt Disney World Resorts
  • Get 10% off select purchases at shopDisney.com
  • 3% foreign transaction fee
  • Baggage delay insurance
  • Purchase protection
  • Extended warranty protection

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.

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    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.

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    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 19.24% – 28.24% applies.

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    Foreign Transaction Fee

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

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    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

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Disney® Premier Visa® Card

  • Annual fee: $49
  • Regular APR: 19.24% – 28.24% (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
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Chase Freedom Flex℠

  • Annual fee: $0
  • Regular APR: 20.49% – 29.24% (Variable)
  • Rewards rate: 1%–5%
  • Welcome offer: $200 bonus
  • 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?
Does the Disney® Premier Visa® Card report to all three credit bureaus?
Is the Disney® Premier Visa® Card application process lengthy? Can you prequalify?
What information is needed to apply for a Disney® Premier Visa® Card?
Does the Disney® Premier Visa® Card have good customer service or satisfaction?
Does the Disney® Premier Visa® Card have a mobile app or the option to pay or manage your account online?
Does the Disney® Premier Visa® Card raise credit limits automatically or charge for limit increases?
Does the Disney® Premier Visa® Card offer the option to freeze your credit/account or have other security features?
Does Chase offer other credit cards besides the Disney® Premier Visa® Card?

About Doug Milnes, CFA


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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.


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*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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