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Which Disney rewards credit card is the best?

By , CardRatings contributor
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    Disney fireworks, by Anthony Quintano

    Chase made this an uncomplicated question to answer when it eliminated its Disney rewards debit card and streamlined your options to two cards: The Disney Premier Visa® Card and the Disney Rewards® Visa® Card. That said, if you're not a frequent visitor to Walt's theme parks, you may find another of Chase's reward programs more valuable.

    I've got some hardcore Disney fans in my family, so I've spent plenty of time at Walt Disney World and at the Disney Store. Those trips can get expensive if you don't track your budget or your time. If you're an old-school Mickey Mouse Club fan, or if you've got some young pirates or princesses in your family, Chase's Disney rewards credit cards can rack up some big savings on your next vacation.

    Let's take a look at the two options side-by-side:

    Comparing Chase’s Disney Premier Visa® Card and Disney Rewards® Visa® Card

    Features

    Disney Rewards® Visa® Card

    Disney Premier Visa® Card

    Annual fee

    $0

    $49

    Introductory offer

    $50 Disney gift card after making your first purchase.

    $200 Disney gift card after spending $500 within the first 3 months.

    Rewards

    • 1% back on all purchases, so $100 spent equals one reward dollar.
    • No limit on the number of reward dollars you can earn.
    • 2% back on purchases at gas stations, restaurants and most Disney locations (2 reward dollars for every $100 spent).
    • 1% back on all other purchases (1 reward dollar for every $100 spent).
    • No limit on the number of reward dollars you can earn.

    Using rewards

    Redeem rewards for all things Disney including toys, costumes and movies as well as toward Disney theme parks tickets, resort stays, dining at Disney restaurants and more.

    Redeem rewards for all things Disney including toys, costumes and movies as well as toward Disney theme parks tickets, resort stays, dining at Disney restaurants and more.

    Or redeem for statement credit toward airline travel.

    Special financing

    Enjoy 6 months of 0 interest from the purchase date of select Disney vacation packages.

    Additional perks

    • Cardmember-only character experiences at the Walt Disney World® Resorts and Disneyland®.
    • 10% off select merchandise purchases of $50 and more at the Walt Disney World® Resorts and Disneyland® and 10% off select purchases of $50 or more at Disney Store and DisneyStore.com.
    • 10% off select dining most days at the Walt Disney World® Resorts and Disneyland®.
    • 15% off select guided tours at the Walt Disney World® Resorts and Disneyland®.
    • Additional perks related to Star Wars.

    My favorite perk of Chase's Disney Rewards Visa Card is the rolling zero percent introductory APR offer when you use the card to finance select vacation plans. Book your tickets and hotel through Disney, and Chase will waive interest for the following six months.

    Which specific option is right for you depends upon your Disney connection, ie. how often you purchase Disney gear, whether you're a frequent Disney park visitor and more. That $49 annual fee for the Disney Premier Visa® Card, however, certainly isn't a bad fee, and you could likely recoup it quickly with that 2 percent back at gas stations, restaurants and most Disney locations.

    However, if you don't plan on making your way to the Magic Kingdom every year (or shopping frequently at the Disney Store), other Chase credit card offers may actually earn you some even better rewards. For instance, Simmons Bank Visa® Platinum offers you the same 1 percent cash back on your everyday purchases, but in real dollars that you can spend anywhere. And the Chase Sapphire Preferred® Card uses an Ultimate Rewards® program that can help you map out a Florida or California vacation that includes more than just the theme parks.

    *Photo by Anthony Quintano via Flickr (license)

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