Disney Premier Visa Review

We publish unbiased reviews; our opinions are our own and are not influenced by payments we receive from our advertising partners. Learn about our independent review process and partners in our advertiser disclosure.

The Disney Premier Visa, issued by Chase, lets cardholders earn Disney Rewards Dollars, which may be considered valuable by true Disney enthusiasts. If you want to earn rewards accepted at Disney parks and stores, plus a handful of Disney-related perks, then this card may be for you.

Disney® Premier Visa® Card

Overall Rating
Disney® Premier Visa® Card
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 13.99% - 22.99% variable
Annual Fee $49
Rewards Earning 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.
INTRO PURCHASE APR 0% for the first 6 months following the purchase date of select Disney vacation packages purchase of a real estate interest, including a Member Add On, in a Disney Vacation Club® Resort, provided your account is not past due on the purchase date.
Foreign transaction fee (%) 3%
Ratings Breakdown
for Interest
for Fees
for Rewards
for Credit
Current Offer

Earn a $300 Statement Credit after you spend $1,000 on purchases in the first 3 months from account opening.

Who Is This Credit Card Best For?

  • Avatar for Deal Seeker Persona
    Diligently searches for the best products and delights in a good bargain See more cards
    Deal Seeker
  • Avatar for Savvy Saver Persona
    Prioritizes sticking to their budget while buying what they want and need See more cards
    Savvy Saver

Since the Disney Premier Visa lets you earn “Disney Rewards Dollars” good for Disney services and merchandise instead of cash back, this card is definitely best for someone who knows they want to use rewards for Disney gear or vacations. The Disney “perks” you get with this card can also be beneficial, but mostly for people who are planning a Disney vacation in the near future. 

Still, the fact this card charges an annual fee reduces its value. While the Disney Premier Visa does offer 2% back in Disney Rewards Dollars per $1 spent on gas, groceries, dining, and most Disney purchases, this isn’t that great since you can find cash-back credit cards that give you 2% back on all purchases or even cards that offer 5% back in rotating quarterly categories, both without an annual fee.

Don’t confuse this card with the Disney Visa Card, which offers 1% in Disney Rewards Dollars on all purchases with no annual fee.

  • Access to special Disney perks

  • Easy-to-reach sign-up bonus

  • Underwhelming 0% interest offer

  • Limited rewards redemption options

Pros Explained

  • Qualify for special Disney perks: This card offers a few perks you won’t get with a traditional cash-back credit card. For example, you will receive access to cardmember-only events in Disney stores and properties, discounts on merchandise and dining, and savings on onboard purchases made with Disney Cruise Lines. 
  • Easy-to-reach bonus: You only have to spend $333 in three months to earn the bonus.

Cons Explained

  • 0% interest offer is underwhelming: The six-month 0% interest you get for select Disney vacation packages is underwhelming compared to other 0% interest offers. Many 0% interest credit cards extend the interest-free period for 15 months, which means you could have a lot more time to pay off your vacation before the interest kicks in.
  • Limited rewards redemption options: You can only redeem Disney Rewards Dollars for Disney goods and services or for statement credits to cover airfare. But if you can’t travel or you don’t plan to buy Disney merchandise, you're stuck with rewards dollars you can’t use.

Disney Premier Visa Bonus for New Cardholders

The Disney Premier Visa gives out a $300 statement credit when you spend $1,000 on your card within three months of approval. This initial bonus is actually rather good considering the low spending requirement, and it’s better than the bonuses several competing cash-back credit cards offer.

Earning Points and Rewards

The Disney Premier Visa gives cardholders 2% in Disney Rewards Dollars for each $1 spent at grocery stores, gas stations, restaurants, and on most Disney purchases. You also earn 1% in Disney Rewards Dollars for every $1 you spend on other purchases, and there are no limits to the rewards you can earn.

Disney Rewards Dollars expire five years after the month they were first earned. That’s a pretty long time, but it’s still important to know you’ll eventually lose these rewards if you don’t use them.

Redeeming Rewards

Once you sign up for the Disney Premier Visa and start racking up rewards, you can redeem them at a rate of $1 per Disney Rewards Dollar. Non-vacation-package redemptions must be made after transferring rewards to a Disney redemption card, however, which adds a layer of complexity to the process. You can only order a redemption card once you have at least $20 in Disney Rewards dollars in your account, although you can reload an existing redemption card when you have at least $10 in rewards saved up.

Redemption options include Disney theme park tickets and resort stays, along with Disney resort shopping and dining. You can also redeem rewards for:

  • Disney Cruise Line packages and onboard purchases
  • Most items you can purchase in Disney stores
  • Disney and Star Wars movies at participating theaters

The Disney Premier Visa also lets you redeem Disney Rewards Dollars for statement credits toward airline travel, although redemptions start at 50 Rewards Dollars for $50 in airfare. All you have to do is use your credit card to pay for your airline tickets, and then you can redeem your Rewards Dollars to cover the purchase.

How to Get the Most out of This Card

Considering each Disney Rewards Dollar earned with the Disney Premier Visa is worth $1 each no matter how you redeem them, there aren’t many ways to maximize points earned with this card. On the other hand, you should use your credit card for all dining, gas, groceries, and Disney purchases to make the most of its 2% earning category.

You should also plan to use this card during any visits to Disney stores or properties to take advantage of the shopping discounts and other perks. Keep in mind, though, that discounts may not apply on holidays and busy days (Valentine’s Day, Christmas Eve, etc).

If you are planning an upcoming Disney vacation that qualifies, you could take advantage of the six-month 0% interest offer to spread out the cost of the trip and earn a few Rewards Dollars while you’re at it.

For the rest of your spending, you should look for a rewards or cash-back credit card that offers more than 1% back on regular purchases.

Disney Premier Visa’s Excellent Perks

In terms of superior benefits, the Disney Premier Visa offers one perk editors of The Balance consider “excellent”: 

  • Insurance coverage for lost or delayed baggage: You can get up to $100 per day in reimbursement if your baggage is delayed by more than six hours and you’re stuck buying toiletries and other supplies. This coverage is good for up to three days. 

Disney Premier Visa’s Other Benefits

  • Extended warranties
  • Insurance for stolen or damaged purchases

The Disney Premier Visa also comes with some non-traditional credit card perks related to the Disney brand: 10% off purchases at select Disney locations and Disney online stores, character photo-ops at Disney parks, and discounts on onboard purchases from Disney Cruise Line.

Customer Experience

Recently, Chase ranked fourth out of 11 credit-card issuers in J.D. Power’s 2021 U.S. Credit Card Satisfaction Study, and the bank’s app ranked second out of 10 banking apps in J.D. Power’s 2021 U.S. Credit Card Mobile App Satisfaction Study.

Chase offers 24/7 customer service on the phone and a mobile app. Chase also provides complimentary access to your credit score via its Credit Journey service.

Chase’s Credit Journey service is open to anyone, not just customers of the bank.

Security Features

Chase offers standard security features on its credit cards, including identity theft assistance and chip-enabled cards.

Disney Premier Visa Fees

Fees charged by the Disney Premier Visa aren’t out of the ordinary, but you should be aware of the 3% foreign transaction fee you’ll pay for purchases made abroad.

Next Steps
For Disney® Premier Visa® Card
Compare This Card
See how this card stacks up to the competition
Disney® Premier Visa® Card
overall rating
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 13.99% - 22.99% variable
Annual Fee $49
Rewards Earning 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.
Our Methodology
At The Balance, we are dedicated to giving you unbiased, comprehensive credit card reviews. To do this, we collect data on hundreds of cards and score more than 55 features that affect your finances.
  • Our Reviews Are Always Impartial: No one can influence which cards we review, the way we present them to you, or the ratings they receive. The scores and reviews come directly from the data we collect and our editorial expertise, and we focus on three areas:
  • How Much Does It Cost? With credit card debt at an all-time high, we believe you should know the cost of carrying a balance. Because of that, we give regular purchase APRs significant weight in overall scores, and cards receive low marks if they have an array of pricey fees.
  • What Are the Rewards Worth? Cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely. To simplify the problem, we built a system that fairly compares rewards and gives them a dollar value. We do this by looking at the ways you can earn and use rewards, which includes evaluating Americans’ typical spending habits and analyzing common travel patterns.
  • Does It Make Your Life Easier? Our scoring system favors cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting customer service. Finally, we give preference to credit cards that have several tools for dealing with fraudulent charges.
  • For every review on The Balance, we hold the credit cards to these standards, and we set the bar high. While we recognize the appeal of splashy features like six-digit sign-up bonuses, our approach ensures that credit cards with the best combination of value, affordability, and accessibility receive the highest scores. See our full methodology for more details.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. J.D. Power. “2021 U.S. Banking and Credit Card Mobile App Satisfaction Studies.” Accessed January 14, 2022.

  2. J.D. Power. “2021 U.S. Credit Card Satisfaction Study.” Accessed January 14, 2022.