Overview of the Disney Premier Visa card
The Disney® Premier Visa® card only makes sense for Disney super fans who don’t mind uber’s limited redemption options and can take advantage of all the Disney-related benefits. At $49 annually, Premier offers more than the annual no-fee Disney® Visa® card but is still cut out for earning “Disney Rewards Dollars” instead of cash back. You can get value on the card and use its benefits, but only if you are a true Disney master. Card rating*: ⭐⭐
*Card rating is based on the opinion of TPG editors and is not influenced by the card issuer.
Although it offers some value, the Disney Premier Visa Card still makes sense only for die-hard Disney lovers, due to its limited redemption options.
Instead of points, miles or cash back, this card earns “Disney Reward Dollars,” which greatly limits your redemption options and makes the card only valid for those who spend the most at Disney each year. TPG recommends that you have a credit score of around 670 to increase your chances of approval.
Let’s take a closer look at Disney Premier to see if it makes sense for you.
The pros and cons of Disney Premier
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Disney Premier welcome offer
With Disney Premier, you’ll earn a $400 statement credit after spending $1,000 in purchases in the first three months from account opening.
That’s a decent return for only a $1,000 spending requirement. Note that this offer is only available if you do not have Disney Premier and have not received a welcome bonus on the card in the last 24 months.
Disney Premier Benefits
The Disney Premier Card offers the right benefits for Disney loyalists, including the exciting option to choose from over 12 card designs.
First, subscribers can get up to $14.99 back each month, for up to 3 consecutive months in statement credits on eligible Disney Bundle purchases. This includes qualifying subscriptions, or add-ons purchased directly from DisneyPlus.com, Hulu.com or ESPNPlus.com that total $14.99 or more, according to the Disney Rewards website.
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In short, you can get about $45 off your Disney+, Hulu or ESPN+ subscription.
In line with several other Chase offerings, Disney Premier comes with one year of DashPass, a membership to both DoorDash and Caviar that offers unlimited deliveries with $0 delivery fees and low service fees on qualifying orders — perhaps the card’s most useful benefit to those who are not. – Disney fans.
However, this offer is not limited to Disney Premier, as you can find it with other Chase cards.
The top benefit is a 10% card discount on select DisneyStore.com credit card purchases. You’ll receive a 10% discount on select merchandise at select locations at Disneyland, Disney World and Disney Cruises. You’ll get the same discount at select restaurants at Disneyland and Disney World.
Then there’s 15% off the equivalent price of select guided tours at Disneyland and Disney World when you use your card, and the option to take special photos in private cardmember areas — all of which can be useful if you spend a ton at Disney, but not really otherwise.
Cardholders also receive a 20% discount on their first year of an Annual Marvel Unlimited subscription, which includes digital access to over 30,000 Marvel comics.
Finally, Disney Premier offers useful protections such as baggage delay insurance, credit card purchase protection and extended warranty protection.
Earn rewards on Disney Premier
With Disney Premier, you’ll earn 5% Disney Rewards dollars (more on this reward type below) back on card purchases made directly on DisneyPlus.com, Hulu.com or ESPNPlus.com; 2% back on card purchases at gas stations, grocery stores, restaurants and most Disney US locations; and 1% back on everything else.
Those return rates aren’t important unless you regularly spend a lot of money at Disney properties and online stores. 5% back on Disney+, Hulu and ESPN+ is nice but unlikely to give you much value without regular subscriptions to those services.
Uses rewards on Disney Premier
Instead of cash back, this card earns Disney Rewards Dollars, greatly limiting your redemption options and making the card only valid for Disney super fans.
According to the card’s landing page, Disney Rewards Dollars can be used toward “most anything Disney at multiple Disney locations, including Disney shopping, movies, theme park tickets, accommodations, dining and more in the US.”
If you’re just looking for travel rewards like TPG editor Emily Thompson, you can also use Disney Rewards Dollars to get a statement credit toward airfare. Just buy tickets on any airline with your card and use your rewards statement credit.
According to the card’s landing page, this use must be made with the card within 90 days prior to the redemption request date.
What cards compete with Disney Premier?
When it comes to spending at Disney, Premier is the best bet. Alternatively, however, consider these alternatives:
- If you don’t want an annual fee: The Disney® Visa® No Annual Fee Card has a very low interest rate – an easy 1% back in Disney Rewards Dollars on all card purchases – but you’ll still get 10% off most of your Disney purchases. For more details, read our full Disney Visa review.
- If you’re looking for a popular travel rewards card: The Chase Sapphire Preferred® Card offers 5 points per dollar spent on travel booked with Chase Travel℠ and Lyft purchases; 3 points per dollar spent on dining, select streaming services and online grocery store purchases (except Target®, Walmart® and wholesale clubs); 2 points per dollar spent on all other travel purchases; and 1 point per dollar spent on everything else. The most versatile card around is the Disney Premier, which offers the same free year of DashPass (if you sign up by December 31, 2027), and tons of other benefits. For more information, read our full Sapphire Preferred review.
- If you want simplified rewards: I Citi Double Cash® Card (see rates and fees) offers 2% back on all purchases — 1% on purchases and another 1% on payments — and is one of the most straightforward cash back cards out there. If you’re looking for easy rewards without an annual fee, this card is a great option. For more information, read our full Citi Double Cash review.
For more options, check out our full list of the best travel cards.
Read more: Everything you need to know about visiting Walt Disney World Resort
Bottom line
Even with an annual fee of $49, Disney Premier won’t make much sense to you unless you’re a regular park visitor and spend a lot of time visiting Disney parks.
A standard travel card is best; For that reason, those who are not big Disney fans would be better off choosing one of the options listed above.
Apply here: Disney Premier Card
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