The Disney® Premier Visa® Card, issued by Chase, offers a unique opportunity for Disney enthusiasts to earn Disney Rewards Dollars on their everyday purchases. This card is specifically designed for those who frequently visit Disney parks or shop for Disney-related products, providing valuable perks and savings for its cardholders.
With a comparatively low annual fee of $49, the Disney Premier Visa Card earns 5% in Disney Rewards Dollars on card purchases made directly at DisneyPlus.com, Hulu.com or ESPNPlus.com, and 2% on purchases at gas stations, grocery stores, restaurants, and most Disney locations. Those rewards can be redeemed for various Disney products, including theme park tickets, Disney merchandise, and more. Additionally, cardholders enjoy exclusive benefits, such as special financing options for Disney vacation packages, and discounts on select Disney purchases.
Card Overview
The Disney® Premier Visa® Card is a co-branded credit card issued by Chase, designed for Disney fans and frequent park visitors. This card offers various rewards and benefits for cardholders, focusing on Disney-related purchases and experiences.
One of the main highlights of this card is its rewards program. Cardholders earn 2% back in rewards at gas stations, grocery stores, restaurants, and most Disney locations. These rewards come in the form of Disney Reward Dollars, which can be redeemed for a variety of Disney-themed perks and merchandise.
Additionally, the card comes with a $49 annual fee, which might make potential cardholders consider its no-fee counterpart, the Disney® Visa® Card. However, the Disney Premier Visa Card offers better rewards rates and additional perks that may make it worth the annual fee for some individuals.
Some other noteworthy benefits include:
- Special financing on Disney vacation packages
- Exclusive Disney merchandise discounts
- Access to Disney Visa Cardmember experiences
Overall, the Disney® Premier Visa® Card can be an appealing option for those who frequent Disney parks and resorts or want to make the most out of their Disney experiences.
Rewards and Perks
The Disney® Premier Visa® Card offers a variety of rewards and benefits for its cardholders. The card allows users to earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
The 2% cash-back rewards can be earned in select categories, such as:
- Gas stations
- Restaurants
- Grocery stores
- Disney purchases
In addition to the rewards earning potential, the card offers several perks that can enhance your Disney experiences. Some of the benefits include:
- 10% off select merchandise purchases of $50 or more at select Disney locations
- 10% off select dining locations at Disneyland and Walt Disney World Resorts
- Access to exclusive events and promotions
While the rewards and perks of the Disney® Premier Visa® Card are attractive for Disney enthusiasts, it’s essential to weigh these benefits against other card options and consider the annual fee before deciding if this card is right for you.
Annual Fee and APR
The Disney® Premier Visa® Card comes with an annual fee of $49, which may be a consideration for potential cardholders. While the annual fee is relatively low, some users might still be put off by this cost.
As for the card’s Annual Percentage Rate (APR), it varies between 18.24% to 27.24% based on your creditworthiness. It is important for potential cardholders to understand their individual APR since it will determine the interest charges on any unpaid balance carried from month to month.
When comparing the Disney® Premier Visa® Card’s APR to other credit cards, users should take note of the rate range, as some sources may report different values. For example, Investopedia lists the regular APR range as 15.49% to 24.49%, while MoneyGeek reports a range of 19.24% to 27.99%. Always consult the card issuer’s official terms for the most accurate and up-to-date APR information.
Pros and Cons
The Disney® Premier Visa® Card offers a variety of benefits and drawbacks that are important to consider when deciding if this card is the right fit for you.
Pros
- Great Disney perks and savings: The card offers exclusive discounts and benefits for Disney lovers, including savings on merchandise, dining, and vacation packages.
- Decent earning rate: Cardholders can earn 2% in Disney Rewards Dollars on purchases at gas stations, grocery stores, restaurants, and most Disney locations.
- Excellent sign-up bonus: The Disney® Premier Visa® Card offers a sign-up bonus that can provide a nice head start on earning rewards for a Disney trip.
- Low annual fee: With a relatively low annual fee of $49, the card is an affordable option for those seeking Disney-themed perks.
Cons
- Annual fee: Although the annual fee is relatively low, some individuals may find it hard to justify paying $49 per year for a card with limited rewards options.
- Foreign transaction fee: The Disney Premier Visa credit card has a 3% foreign transaction fee, which can add up for cardholders who frequently travel abroad.
- More versatile cards available: Those looking for a more versatile rewards card may find that a regular cash back or travel rewards card offers greater flexibility and better value.
How to Apply
To apply for the Disney® Premier Visa® Card, you can start the process online. Visit the official Disney Premier Credit Card website and click on the “Apply Now” button to begin your application.
Before starting your application, make sure you have the necessary personal and financial information ready. This will include your:
- Social Security number
- Date of birth
- Annual income
- Employment status
- Contact information (phone number and email address)
- Physical address (not a PO Box)
After filling out the required fields of your application, you will need to read and agree to the card’s terms and conditions. Once you submit your application, you should receive a decision within a few minutes, although in some cases it may take longer if additional information or verification is needed.
If you are approved for the Disney® Premier Visa® Card, you will be notified of your credit limit and any other relevant account information. Your new card should be mailed to you within a few weeks, and you can start using it to earn rewards on your Disney purchases.
Compared to Other Cards
When evaluating the Disney® Premier Visa® Card, it’s essential to compare it to other credit cards in the market. One popular alternative is the Capital One Venture Card, which is known for its straightforward structure and user-friendly benefits for travel enthusiasts.
While the Disney® Premier Visa® Card offers a $300 statement credit as a welcome bonus, the Capital One Venture Card provides a higher initial value with a bonus worth $500 when redeemed for travel expenses.
As for rewards earning rates, the Disney’s Premier Visa® Card earns 2% back in rewards at gas stations, grocery stores, restaurants, and most Disney locations. In comparison, the Capital One Venture Card earns a flat 2X miles per dollar on all purchases, providing more flexibility for those who do not primarily spend at Disney-related merchants.
Furthermore, the Disney® Premier Visa® Card has a $49 annual fee, whereas the Capital One Venture Card comes with a $95 annual fee. However, the Venture Card comes with additional travel perks, such as Global Entry or TSA PreCheck credit, making it more attractive for frequent travelers.
Conclusion
In summary, the Disney Premier Visa Card can be a valuable option for Disney enthusiasts and frequent theme park visitors. With its discounts, travel perks, and Disney-specific rewards, the card offers a variety of benefits that cater to these dedicated fans.
However, if you’re not a frequent Disney visitor, this card might not be the best choice for your wallet. The $49 annual fee and other, potentially more lucrative, rewards credit cards available might make the Disney Premier Visa Card less appealing for those looking for general cashback or travel rewards.
Before applying for the card, ensure that the Disney-related benefits align with your spending habits, preferences, and travel plans. By carefully analyzing these factors, you can decide if the Disney Premier Visa Card is the right fit for you and your family.