Credit Cards Credit Card Reviews

Disney Premier Visa Review

overall rating
3.4

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The Disney Premier Visa is aimed at those who love all things Disney and want benefits related to Disney locations and merchandise. Earn 2% in Disney Rewards Dollars on purchases made at gas stations, grocery stores, restaurants and most Disney locations. There is an annual fee of $49.

Disney® Premier Visa® Card

overall rating
3.4
Disney® Premier Visa® Card
On Chase's Secured Site.

Current Offer:

Earn a $200 Statement Credit after you spend $500 on purchases in the first 3 months from account opening.

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 (%) 15.99% 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.
Balance Transfer Fee Either $5 or 3% of the amount of each transfer, whichever is greater.
Foreign transaction fee (%) 3%
how this card stacks up
When compared among all rewards cards in our database:
Rewards
Benefits
Low Fees
Security/Customer Experience
Low Interest
worst best

The Disney Premier Visa Card The is not one of our top-rated rewards credit cards. You can review our list of the best rewards credit cards for what we think are better options.

Full Review of Disney Premier Visa

Pros
  • Special financing on Disney vacations

  • One-time statement credit

  • Enhanced rewards on common card purchases

  • Savings on select Disney purchases

Cons
  • Annual fee

  • Foreign transaction fee

  • No balance transfer offer

Pros Explained

  • Special Financing on Disney Vacations: The Disney Premier Visa credit card offers special financing on select Disney vacation packages. There’s a 0% APR for six months from the date of purchase. This provides cardholders time to pay off the Disney vacation in a manageable way.
  • One-Time Statement Credit: After spending $500 in the first five months of having a Disney Premier Visa card, a cardholder can receive a one-time statement credit of $200. In order to qualify, you must not already have the Disney Premier Visa, and you can’t have received a bonus for this card within the last 24 months.
  • Enhanced Rewards on Common Card Purchases: The Disney Premier Visa card offers tiered rewards. There are higher rewards earnings for card purchases made at gas stations, restaurants and grocery stores, as well as when making certain purchases at most Disney locations. Receive 2% back in the form of Disney Rewards Dollars for these purchases. All other purchases on the card receive 1% back in Disney Rewards Dollars.
  • Savings on Select Disney Purchases: In addition to enhanced earnings, the Disney Premier Visa can provide 10% savings on certain purchases made at the Disney store and shopDisney.com. It’s also possible to save 10% off on certain purchases made at Disneyland and Walt Disney World.  

Cons Explained

  • Annual Fee: The Disney Premier Visa credit card comes with an annual fee of $49. However, depending on how the card is used, an annual fee might be justified by the rewards received.
  • Foreign Transaction Fee: This card has a 3% foreign transaction fee. As a result, you’ll pay this fee if you use your Disney Premier Visa card at Disney themed resorts in other countries, as well as for other purchases made overseas.
  • No Balance Transfer Offer: While there is a promotional 0% APR for certain Disney vacation purchases, there is no 0% APR balance transfer offer with this card. All balance transfers have an APR at the regular purchase rate.

This Card is Best For

  • Avatar for Rewards Strategist Persona
    Seeks to maximize points or miles earnings across spending categories
    Rewards Strategist
  • Avatar for Frequent Diner Persona
    Dines out regularly while traveling or in home city
    Frequent Diner
  • Avatar for Head of Household Persona
    Primarily responsible for household grocery and other major purchases
    Head of Household
  • Avatar for Driver/Commuter Persona
    Incurs gasoline or other commuting expenses each month
    Driver/Commuter

The Disney Premier Visa credit card is best for those who plan to use it for Disney vacations. For those loyal to Disney, and who spend time vacationing in Disney resorts, this card can be a decent choice. The special financing for certain Disney vacation packages can help make paying for a vacation more manageable. Plus, the fact that Disney Rewards Dollars can be redeemed for a statement credit for airline travel makes it possible to use the Disney Premier Visa to plan various aspects of a Disney trip. For those who like buying Disney and Star Wars merchandise, the discount on select purchases can also be a draw. 

For those that want to use a card specifically for helping them make Disney vacations more of a reality, the Disney Premier Visa might be a good choice in helping them reach their goals.

Disney Premier Visa’s One-Time Offer

The Disney Premier Visa offers a one-time statement credit of $200 after the new cardholder spends at least $500 in the first three months of opening. This compares favorably with the American Express Blue Cash Everyday card, which offers a bonus for new cardholders that is worth up to $300. (However, the Amex Blue Cash Everyday card has no annual fee.)

Rewards Earning Details

Rewards are earned in Disney Rewards Dollars. This is a tiered rewards program, which allows you to earn 2% of the purchase price in Disney Rewards Dollars when used at gas stations, grocery stores, restaurants and at most Disney locations. This enhanced earning on regular purchases can be one way to earn Disney Rewards Dollars faster.

Rewards Redemption Details

Disney Rewards Dollars can be redeemed at Disney locations in the United States. In order to redeem your Disney Rewards Dollars at Disney parks and with the Disney Cruise Line, you need to first order a Disney Rewards Redemption card. You can transfer your earned Disney Rewards Dollars to your Redemption card and then use that card at eligible Disney locations to pay for purchases.

It’s also possible to redeem Disney Rewards Dollars for a statement credit related to airline purchases. In this case, rather than moving the rewards to the Disney Rewards Redemption Card, they are redeemed directly with Chase for the purpose of a statement credit on airline purchases made with the Disney Premier Visa. 

Finally, cardholders can redeem their Disney Rewards Dollars with AMC Theatres to purchase tickets for Disney, Disney-Pixar, or Star Wars movies. The Rewards Dollars need to be transferred to the Disney Rewards Redemption card and that must be selected as the payment method when buying those movie tickets.

Transferring Points

There aren’t many transfer opportunities with the Disney Premier Visa, since the rewards are meant to be used with Disney properties. The closest is the ability to redeem Disney Rewards Dollars for statement credit related to airline purchases. If you make an airline purchase with the Disney Premier Visa, you can manage your rewards in your Chase account and use your Disney Rewards Dollars to get a statement credit for the airline purchase.

How to Maximize Your Rewards

The best way to maximize rewards from the Disney Premier Visa is to focus on earning for Disney-related rewards.

By using the Disney Premier Visa for everyday purchases like groceries, gas and restaurants, it’s possible to earn Disney Rewards Dollars a little bit faster. For example, the average consumer spent $4,464 on groceries in 2018 and $3,459 on food away from home, according to the Bureau of Labor Statistics. Additionally, the average consumer spent $2,109 on gas in 2018. All of those purchases could potentially add up to 2% in Disney Rewards Dollars—amounting to about $200.64 in rewards. 

Earning 1% in Disney Rewards Dollars on other purchases would only increase the rewards amount received as a result of using the Disney Premier Visa for all purchases.

When used in conjunction with the special 0% APR financing on select Disney vacations for six months, it’s possible to use the rewards for statement credit on the airfare used to get to the Disney property. In order to avoid interest charges, though, it’s important to pay off the amount of the Disney vacation within the promotional period.

Disney Premier Visa’s Outstanding Benefits

  • Credit card purchase protection
  • Extended warranty protection
  • Baggage delay insurance
  • 0% APR promotion financing on certain Disney vacations

Standard Benefits

  • $0 fraud liability
  • Emergency card replacement

Cardholder Experience

The Disney Premier Visa credit card is issued by Chase. Chase has received a consumer rating of 807 out of 1,000 points in the 2019 U.S. Credit Card Satisfaction Study from J.D. Power. This rating is slightly higher than the national credit card issuer average of 806.

Chase also has a mobile banking app available for iOS and Android. The mobile app gets a rating of 4.8 stars out of 5 in the Apple App Store and 4.4 stars out of 5 on Google Play.

Security Features

Most of the security features from this card are related to what Visa offers. It’s possible to request a replacement card from Visa and receive an emergency card within three business days in some cases. Additionally, Visa offers $0 liability on fraudulent purchases made with this card.

Our Verdict

The Disney Premier Visa can be a good card for those who are interested in using their rewards primarily for redemption related to Disney properties. Rewards can be earned and then put toward Disney vacations, Disney movies and other purchases. Additionally, it’s possible to redeem rewards for statement credit on airlines. The 0% promotional financing for select Disney vacations can be a benefit as well, for those who want to make manageable payments and then use their rewards toward airline statement credits.

For those looking for more flexible rewards, the Amex Blue Cash Everyday card offers cash back earnings in similar categories, as well as no annual fee.

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For Disney® Premier Visa® Card
on Chase's Secured Site.
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CURRENT CARD
Disney® Premier Visa® Card
overall rating
3.4
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 (%) 15.99% 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.
Investopedia Credit Card Rating Methodology
Investopedia is committed to delivering the best credit card recommendations in the industry. We’ll tell you when a card is good, we’ll tell you when a card is bad, and we’ll only call a card the best if we would recommend it to our friends or family members.
Overall Star Rating Explained
To rate credit cards we objectively assess, score and weight nearly 100 individual card features which roll up into five major feature sets: fees, interest, rewards, benefits and security/customer service. Here’s how we weighted those feature sets for the overall star rating of a card:
We have applied our proprietary rating methodology to every generally-accepted credit card in the U.S. domestic market to allow consumers to make fully informed choices. It’s important to note that for our overall score that we make a number of assumptions about how you would be using your credit card:
  1. While we make no assumption as to whether balances are carried on a given card we do assign varying weights to all credit cards’ introductory APR (if present) in addition to the regular, long term purchase and balance transfer interest rates.
  2. We utilize BLS (U.S. Bureau of Labor Statistics) income and average category spending data to calculate annual earnings rates for rewards cards that offer cash back, points or miles rewards at a set rate on all spending or in consideration of bonus rewards for certain spending categories, like gasoline, groceries, restaurants or travel.
  3. We determine the maximum points value of rewards cards by dividing the points, cash back or miles required to exchange for the retail price of the most valuable redemption option (for example, in the case of a card that offers a domestic roundtrip airline ticket as a redemption option vs. another redemption option of lesser value that requires the same amount of points or miles to acquire, we would base the rewards value on the airline ticket).
  • Cards that are selected best overall in their respective categories generally feature most if not all of the following attributes:
  • Low or Reasonable Fees Credit card fees come in many forms but the primary ones involve those for annual card membership and balance transfer. There are a myriad of reward and non-reward card options that charge no annual fee but for the many that do assess an annual fee the cost is often justified by their lucrative ongoing rewards and initial signup bonuses. Balance transfer fees are occasionally waived during introductory periods with certain cards, a factor which is heavily and positively weighted in our scoring model for cards offering this benefit. When charged, balance transfer fees range between 3% - 5%, which we grade accordingly. Other standard fees can generally be avoided, such as those for paying late or taking cash advances but we rate those relative to other cards in the market for reference, though with less weight assigned
  • Competitive Interest Many cards offer 0% introductory APR on purchases and balance transfers for varying lengths and then revert to a permanent or regular APR (based on a variable rate tied to the prime rate) that applies to any balances not paid in full. We rate both introductory APR percentage and length (in months) along with the midpoint of the variable regular APR interest rate range.
  • Valuable Rewards Credit card reward programs can be based on cash back, points or travel rewards (which can be generic or travel partner-specific, as with airline and hotel co-brand card programs). For cards that offer rewards we determine the value per dollar spent along with average redemption values and assign more favorable ratings to cards that offer superior consumer value. We also assign value to sign-up bonus offers and their initial spending requirements, when present.
  • Excellent Benefits Credit card benefits cover a range of offerings like concierge service, TSA Pre-check, auto rental coverage, travel accident insurance, lost luggage assistance and free credit scores. We rate cards on the number and level of over a dozen standard and upscale benefits and provide extra weighting emphasis for those travel-related perks that apply to premium travel cards when present.
  • Solid Security/Customer Service Security and customer service features like lost or stolen card replacement, being able to lock one’s card from an issuer app and 24 hour customer support are becoming more standard across the card market and we provide a significant amount of weighting to features in this area.
  • You can also read the full version of our methodology for a more in-depth look at how we assess cards and award them the best in various categories.