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Best credit cards for Disney vacations of September 2020

There's nothing quite like the magic of Disney, but that magic comes with a hefty price tag. These credit cards can help you earn the rewards to offset it.
Joe Taylor Jr., CardRatings Contributor Last Updated, September 25, 2020

Our credit card articles, reviews and ratings maintain strict editorial integrity; however we may be compensated when you click on or are approved for offers (terms apply) from our partners. How we make money.

best credit cards for Disney vacations A Disney vacation can be the source of family memories that will last a lifetime. But it can also be the source of debt that seems to last just as long. It's no secret that a journey to visit everyone's favorite mouse can put a serious dent in your wallet. But there's good news! If you play your (credit) cards right and utilize one of our top picks for the best credit cards from our partners for Disney vacations, your journey could be significantly less expensive and could even provide a nice bank of rewards to help you pay for your next trip, whether to a Disney destination or elsewhere.

Depending on your travel and activity habits, the right credit cards can generate significant cash back and other rewards, including help paying for future trips. For those of you who are genuine Disney junkies, having a Disney Rewards-specific card in your wallet could prove ideal, but you don't need to be on a first-name basis with the clerk at the Winnie-The-Pooh Gift Shop or have had Sleepy, Grumpy and Sneezy in your wedding party to reap rewards from your Disney vacation (or to pay for your Disney vacation with credit card rewards).


Below you'll find several cards that would be an excellent addition to your wallet for your trip to the happiest place on Earth or any other vacation spot that strikes your fancy. We offer a number of options depending on your level of Disney commitment and your personal credit card preferences.


About Our Ratings

Why It's a Good Card for Disney Vacations: Unlimited rewards and a generous introductory bonus make this card very appealing, especially when you consider that it doesn't charge an annual fee. That kind of rewards earning could make your stay near a Disney park extremely rewarding (or could help you earn rewards quickly to pay for a couple of days at Disney down the road). With the Purchase Eraser, you simply book your travel using your card and then redeem miles as statement credit to cover all or part of a travel-related charge.

The Bonus: New cardholders earn 20,000 bonus miles once you spend $1,000 in purchases through the first three months you have the card. Plus, get an introductory 0% APR for the first 12 months (then, 15.49% - 25.49% (Variable)); that means you could book your vacation well in advance and spend a few months paying it off interest-free.

Foreign Transaction Fees: None

The Rewards: Earn 1.25 miles per each $1 spent. The real key is that this card offers flexibility in rewards redemption, including the freedom to transfer your miles to one of several leading travel loyalty programs (hello, discounted airfare to a Disney park or free nights near Cinderella's castle), or just redeem your miles for statement credit to cover all or part of your travel costs.

The Annual Fee: $0

Credit Needed: Excellent, Good


  • No annual fee means there's no harm in carrying this card even if travel isn't on the immediate horizon. Just keep using it and racking up points for the next trip.
  • The rewards you earn are completely flexible, meaning you can redeem them for any qualifying travel purchase – any airline, hotel, cruise, etc. – without blackout dates. That could really come in handy given that Disney tends to offer a number of perks when you stay directly with them.
  • If you need to pay for flights, there are a number of travel partners now and you may get great value transferring your rewards to one of those airline loyality programs.


  • There isn't an annual fee (a pro), but this card's big brother, the Capital One® Venture® Rewards Credit Card, offers more rewards and a few more perks for a modest annual fee. It might be a better choice if you plan to use your card with some frequency.
  • For a card with no annual fee, the rewards rate isn't too shabby. But it certainly isn't going to land you a luxury trip quickly at just 1.25 points per $1 spent.

Read our full Capital One® VentureOne® Rewards Credit Card review.

Bank of America® Travel Rewards credit card

(This card is not currently available on CardRatings)
About Our Ratings

Why It's a Good Card for Disney Vacations: Designed specifically for frequent travelers, the Bank of America® Travel Rewards credit card offers unlimited points accumulation, no annual fee and a solid introductory bonus offer. It truly shines, though, for Bank of America Preferred Rewards customers who stand to earn bonus rewards on every purchase – up to 75% more. More details below.

The Bonus: Rack up 25,000 points if you make at least $1,000 in purchases in the first 90 days you have the card. This can be redeemed for a $250 statement credit toward future travel purchases.

Foreign Transaction Fees: None

The Rewards: 1.5 points per $1 spent on all purchases may seem modest but it can add up. A nice feature is that you are not limited to what airlines or hotels you use in order to earn your rewards points and there are no blackout dates to worry about. If you happen to be a Preferred Rewards client, you can earn a bonus of 25-75% on each purchase depending on your tier. Preferred Rewards tiers are based on your three-month average balance across qualifying Bank of America and Merrill accounts.

The Annual Fee: $0

Credit Needed: Excellent/Good


  • You can take this card to Tokyo Disney or any of Disney's other international parks and rest assured you won't pay foreign transaction fees while you're there.
  • Preferred Rewards members earn 25%-75% more points on every purchase depending on your tier.
  • You don't have to overthink it with this card since the rewards structure is straightforward.


  • Again, this is a no-annual-fee card, which is great, but the rewards aren't over-the-top. That could be just fine for you, but if you use your card a lot or want to see rewards accumulate more quickly, you'll want to think about a different card, perhaps even one with a modest annual fee.
  • Preferred Rewards clients earn up to 75% more points, but you need to maintain some hefty balances in qualifying accounts to hit even the lowest Preferred Rewards tier.

Read our full Bank of America® Travel Rewards credit card review.

Wells Fargo Propel American Express® card

(This card is not currently available on CardRatings)
About Our Ratings

Why It's a Good Card for Disney Vacations: We like simplicity and solid rewards and this card offers both. No annual fee is an immediate savings and you still stand to earn plenty of rewards with the everyday categories featured in the three-points-per $1 spent rewards tier with this card. Furthermore, this card qualifies for Wells Fargo's cell phone protection against covered damage and theft as long as you pay your cellular bill on the card.

The Bonus: Earn 20,000 bonus points – that has a $200 cash value – after you spend $1,000 in the first three months with the card.

Foreign Transaction Fees: None

The Rewards: Earn three points per $1 spent on dining out and ordering in; on your gas station, rideshare and transit purchases; on travel, including flights, hotels, homestays and car rentals; and on popular streaming services. With earnings like that, you could rack up rewards throughout your Disney vacation, making it that much easier for you to start dreaming about your next meal in the shadow of the Epcot ball.

The Annual Fee: $0

Credit Needed: Excellent, Good


  • Once again, there are no foreign transaction fees to worry about (are you noticing a trend with these cards?)
  • There are a lot of opportunities to earn 3x the points with this card – dining out, ordering in, on travel, at gas stations, on rideshares and transit purchases, and on select streaming services. That's good rewards earning AND there's no annual fee.
  • Pay your monthly cellular bill with your card and enjoy mobile phone protection against covered damage and theft.


  • While there are a lot of opportunities to earn 3x the points, this card is still geared toward being out and about. If you mostly stay home (as opposed to going out to eat or traveling regularly), this card probably isn't your best option.
  • The rewards program is robust and features lots of options... maybe too many options. It can take some jumping through hoops to understand the best way to redeem your Go Far® Rewards. Learn more about the program with the CardRatings Go Far® Rewards Guide.

Read our full Wells Fargo Propel American Express® card review.


About Our Ratings

Why It's a Good Card for Disney Vacations: The miles you earn with this card – and it is easy to earn them – can be redeemed for any travel expense by simply requesting statement credit to cover all or part of a qualifying expense. That means that you can, quite literally, pay for your Disney vacation with the card. Just purchase your tickets or hotels with your card and then request statement credit to cover the cost.

The Bonus: Earn 100,000 miles after spending $20,000 with your card within the first 12 months or earn 50,000 bonus miles after you spend $3,000 on purchases within the first three months of opening the account. That's worth up to $1,000 in travel statement credit, which can go a long way toward helping pay for your Disney getaway. Furthermore, you could transfer those miles to one of several airline partners, which might even increase their value.

Foreign Transaction Fees: None

The Rewards: Earn two miles per $1 spent on every purchases.

The Annual Fee: $95

Credit Needed: Excellent, Good


  • Flexibility is a huge factor with this card. Any qualifying travel purchase, from RV rentals to resort fees and more, can be qualifying purchases for which you can redeem rewards.
  • It's rare to find a Global Entry application reimbursement perk through a card with this low of an annual fee, so this is an especially nice feature.
  • The ability to erase your travel purchases or transfer your miles to travel loyalty partners makes this card's rewards very easy to use.


  • This card's rewards program is certainly simple – two miles on every purchase ‐ but there are more lucrative ones out there. Weigh whether the simplicity is worth possibly fewer rewards overall or whether you're willing to invest a bit more time (and possibly a larger annual fee) to earn more rewards.
  • The introduction of hotel and airline travel partners gives cardholders options, which is great. But the partners aren't necessarily the biggest or most popular brands. Make sure those transfer partners fit your needs.

Read our full Capital One® Venture® Rewards Credit Card review.

Chase Sapphire Preferred® Card

(This card is not currently available on CardRatings)

About Our Ratings

Why It's a Good Card for Disney Vacations: Chase Ultimate Rewards® points are extremely flexible in that they transfer to many frequent flyer and hotel loyalty programs. That means you aren't tied down to a single brand with this card and that could help you map out a vacation that includes more than just a Disney theme park.

Furthermore, your points are worth 25% more when you redeem them for travel through the Ultimate Rewards® portal, making them even more valuable than they are at face value.

The Bonus: Earn 80,000 Chase Ultimate Rewards® points – worth $1,000 in travel – after spending $4,000 in the first three months of card membership.

Foreign Transaction Fees: $0

The Rewards: Earn two times the points on travel and dining at restaurants and one point on everything else. Plus earn five points on Lyft rides through March 2022. That's three points in addition to the two points you already earn on travel. Chase Ultimate Rewards® points are transferable to numerous frequent flyer and hotel loyalty programs at a 1:1 ratio.

The Annual Fee: $95

Credit Needed: Excellent, Good

The information related to this credit card has been collected by CardRatings and has not been supplied or reviewed by the card issuer.


  • As a Sapphire Preferred® cardholder, ALL of your Ultimate Rewards® points can be worth 25% more when redeemed through the Ultimate Rewards® portal. Just transfer points earned with your other Ultimate Rewards® cards to the Sapphire Preferred® bucket.
  • An extra 25% value on your rewards is a nice perk, but there are also several hotel and airline loyalty program transfer partners, so you might be able to make your rewards go even further.
  • This card offers included trip cancellation insurance when you book your travel on the card (conditions apply). This perk could save you a LOT of money. Learn more about credit card travel insurance.


  • During the COVID-19 pandemic, Chase rolled out some additional rewards categories for the Sapphire Preferred® card, but in general the 2X point earn rate is only on travel and restaurant purchases. Make sure those categories fit your regular spending.
  • This card charges an annual fee; ensure it's actually meeting your earning and redemption needs so you can fully offset that fee and take full advantage of the perks and features.

Read our full Chase Sapphire Preferred® Card review.



By the way, we recommend combining this card with Chase Freedom Flex℠ and/or Chase Freedom Unlimited® to earn top rewards in categories beyond travel and dining. Use Chase Freedom Flex℠ strategically to earn 5% back on up to $1,500 spent in quarterly rotating categories when you activate and use Chase Freedom Unlimited® to earn 1.5% back on other purchases that don't earn more with Chase Freedom Flex℠ or Chase Sapphire Preferred® Card. Lastly, transfer all your points to your Chase Sapphire Preferred® Card where your points are worth 25% more when redeemed for travel through Chase Ultimate Rewards®.

About Our Ratings

Why It's a Good Card for Disney Vacations: OK, admittedly the annual fee on this one is higher than typical, but don't immediately write it off. Hear us out: This card offers a higher-than-typical value for your rewards when you redeem for airfare OR cash back. Plus, there's an annual airfare credit, airport lounge access and, perhaps most importantly when it comes to planning a Disney vacation, cardholders have access to the services of a 24/7 Luxury Card Concierge™ who can conduct all of that Disney research for you and even help you make coveted reservations.

The Bonus: There's no traditional bonus with this card, but you could consider the ongoing redemption value of 2% on airfare and 1.5% on cash back to be a nice bonus.

Foreign Transaction Fees: 0% of each transaction in U.S. dollars

The Rewards: Earn 1 point for every $1 spent on all your purchases. Then, when you redeem your rewards for airfare, they're worth 2% and if you redeem them for cash back into a U.S. bank account or as statement credit, they're worth 1.5%. That means that 50,000 points can be redeemed for $1,000 in airfare or for $750 in cash back. Either option could go a long way in helping you pay for that Disney vacation.

The Annual Fee: $495

Is the Mastercard® Black Card™ Annual Fee Worth It? As a matter of fact, we think it is, as long as you're a regular traveler and you plan to put the extra features and perks to good use. First off, there's an annual $100 airfare credit to cover things like baggage fees and upgrades, which on its own is a nice step to offsetting the annual fee. When you then figure in your access to the concierge who save you a bundle of time and effort when it comes to research and trip planning – and time is money, after all – plus the airport lounge access as well as the 2% value when redeeming your rewards for airfare, we find that the annual fee suddenly seems less daunting. And we haven't even discussed that this card is just, well, cool. It's an attention-grabbing metal credit card made of coated stainless steel and carbon.

Credit Needed: Excellent


  • The rewards value for flights is 2%, which is twice what it is with many travel rewards card. In other words, 50,000 points is worth $1,000 in airfare redemption as compared to the more typical $500.
  • When it comes to offsetting the annual fee, there are a number of perks that can help. In particular, a $100 annual credit to cover flight-related purchases such as baggage fees or upgrades, up to a $100 statement credit every five years to cover a Global Entry or TSA Pre✔™ application fee as well as complimentary access to more airport lounges worldwide with Priority Pass Select.
  • This card is known for its luxury concierge service. If you're wondering how that could come in handy, CardRatings has a guide for getting the most out of credit card concierge services.


  • That annual fee is substantial. There are abundant benefits available through this card to help offset it, but you still need to consider whether it's your best option.
  • There isn't a big signup bonus to make you feel good about that hefty annual fee. That could be disappointing for folks looking for a big rewards dump in order to cover an upcoming vacation.

Read our full Mastercard® Black Card™ review.


About Our Ratings

Why It's a Good Card for Disney Vacations: Who doesn't like getting a nice "thank you" gift? This card not only has a solid introductory bonus, but also thanks you each year for your loyalty with 6,000 bonus points after your after your card member anniversary. And, given that Southwest doesn't charge baggage fees, feel free to bring along all your mouse-ear gear when you book your Disney vacation.

The Bonus: Earn 40,000 points after you spend $1,000 on purchases in the first three months your account is open. You'll also get a nifty bonus of 6,000 points each year after your card member anniversary. And, yes, those points all count toward the points needed to earn a Southwest Companion Pass. Read more about that travel rewards gold in our "Guide to the Southwest Companion Pass."

Foreign Transaction Fees: $0

The Rewards: Earn two points per $1 spent on Southwest purchases and on purchases with Rapid Rewards® hotel and car rental partners. You also earn one point per $1 on all other purchases.

The Annual Fee: $99

Credit Needed: Excellent, Good


  • Enjoy 6,000 bonus points after your cardmember anniversary.
  • While the signup bonus isn't out of this world, it is a nice chunk of points that could substantially help you toward the coveted Companion Pass. Don't know what Companion Pass is? Take a look at our Guide to the Southwest Companion Pass.


  • One of the big perks with many airline cards (and a way to quickly offset an annual fee) is a free checked bag. With Southwest, there's no charge for your first two bags anyway (we aren't complaining!) so you're going to need to find other ways to offset that fee.
  • If Disneyland Paris is on your agenda, Southwest will not be the airline to get you there. While it's list of destinations is expanding and does now include some international stops, they're limited.

Read our full Southwest Rapid Rewards® Premier Credit Card review.



The card mentioned above is the middle-of-the-road Southwest card. Depending on how frequent a Southwest customer you are, you might benefit more from the Southwest Rapid Rewards® Priority Credit Card, which offers a higher annual card member loyalty bonus along with some additional perks/features, but you do pay a slightly higher annual fee. On the other hand, if you want a lesser annual fee with slightly lower card member loyalty bonus, you could consider the Southwest Rapid Rewards® Plus Credit Card instead.

About Our Ratings

Why It's a Good Card for Disney Vacations: The cost of getting to your Disney destination can be a huge burden, but this airline-specific card can certainly help you take a bite out of that with solid rewards on everyday purchases as well as on United purchases. Plus, you'll appreciate the free checked bag for the primary cardholder and one traveling companion on the same itinerary.

The Bonus: Earn 60,000 bonus miles after you spend $3,000 on purchases in the first three months your account is open.

Foreign Transaction Fees: $0

The Rewards: You get two miles for every $1 spent on United purchases as well as on your hotel stays and restaurant purchases (both good categories for earning during a Disney vacation), plus on eligible delivery services including GrubHub, Caviar, Seamless and DoorDash. You earn one mile for each $1 spent on all other purchases. In addition, are eligible for up to a $100 credit every four years for your Global Entry or TSA Pre✓™ application fee.

The Annual Fee: $0 introductory annual fee for the first year, then $95.

Credit Needed: Excellent, Good


  • It's unusual at this annual fee price point, but this card offers cardholders up to a $100 application fee credit for Global Entry or TSA Pre✔™.
  • Save on your way to your Disney destination with 25% back on United in-flight purchases.
  • If you're taking the whole family on a Disney getaway, the cost of checking bags can be substantial. Do yourself a favor and check your first bag for free (a savings of up to $140 per round-trip) when you use your card to purchase your ticket.


  • As is typical with airline branded cards, you earn the most miles when buying directly with the airline and, in this case, on hotel and restaurant purchases. Those extra categories are nice, but they aren't necessarily everyday purchases. Make sure this card matches your spending habits.
  • Remember that you need to more than offset the annual fee to make this card earn a spot in your wallet. One round-trip with luggage savings of $140 could do that, but it's still something to think about.

Read our full review of the United℠ Explorer Card.


About Our Ratings

Why It's a Good Card for Disney Vacations: The 3% cashback on dining at restaurants makes this a hit in and of itself, but we all know you do more than eat on a Disney vacation the minimum 1.5% cash back on all your purchases will make the sting of the souvenir prices just a little less. Plus, the cash back is earned as Ultimate Rewards® points, which means you can eat your way to your next Disney vacation.

The Bonus: Earn a one-time $200 cash-back bonus after you spend $500 on eligible purchases in the first three months you have the card (that's 20,000 Ultimate Rewards® points.) Plus, you earn 5% cash back up to $12,000 spent at grocery stores (excluding Target® and Walmart®) during your first year.

Foreign Transaction Fees: 3% of each transaction in U.S. dollars

The Annual Fee: $0

The Rewards: Earning 3% cash back at restaurants (not to mention the 5% back on up to $12,000 spent at grocery stores during the first year) makes this card a hit for foodies. In addition, you earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% back at drugstores and 1.5% back on your other eligible purchases.

Credit Needed: Excellent, Good


  • Earning an uncapped 3% cash back on your dining purchases, including takeout and delivery, is a stellar earn rate on a no-annual-fee card. Remember that dining in the park and paying with your Magic Band is likely to code as a "theme park" or "entertainment" purchase; however, any restaurants off the property, or likely those at Disney Springs that you pay for directly with your card, will likely code as "restaurants."
  • No matter what code your purchase ultimately has, you'll earn at LEAST 1.5% cash back, which is quite nice if you're just wanting a simple approach to paying for your purchases will visiting the Mouse.
  • Buying groceries so you don't eat every meal out is an effecitve way to save some money when visiting a Disney park. As a new cardholder, remember you earn 5% cash back on up to $12,000 spent at grocery stores (not Target® or Walmart®) during your first year.


  • If you're hoping to say bonjour to Mickey Mouse at Disneyland Paris, leave this card at home; it does charge foreign transaction fees.
  • While earning 5% back on travel booked through the Ultimate Rewards® portal is awesome, you don't earn much on your other travel purchases. To maximize your earning on your vacation, book your vacation with a true travel rewards card that will offer you a better return.

Read our full Chase Freedom Unlimited® review.


Absolutely! And it doesn't even have to be a Disney-specific credit card (though, there are those options too; see below). Using a cash-back rewards card for your everyday purchases and committing to putting those rewards into a savings account specifically for your next vacation – Disney or otherwise – is one way to use your rewards to help pay for your vacation.

Another way to vacation with Disney using credit card rewards is to make good use of your cards travel redemption options. Some cards allow you to redeem your rewards for statement credit to cover travel related purchases made on your card; that means you could pay for everything from your flights to your theme park tickets to hotel stays to transportation to and from the airport with travel rewards. Other cards allow you to transfer rewards to hotel and airline loyalty programs, which could mean even more value for you as your plan your trip.

The bottom line is that credit card rewards are an excellent opportunity to offset some of the cost of a pricey adventure to the Happiest Place on Earth.


Only you can determine which credit card or combination of cards are best to use for your Disney vacation, but there are a few questions you should ask in order to make the best decision, and the first several of them are surprisingly similar to the questions you need to ask before applying for any credit card:

What does your credit history look like? Do you have a strong credit score or are you working on building/rebuilding your credit? Many of the top rewards cards require good/excellent credit to qualify. Make sure you know where you stand before applying for a particular card.

Where do you most often spend your money? Assuming you don't live in a Disney theme park, it's safe to assume that your card will need to be useful to you day in and day out, not just when you're roaming around the Magic Kingdom. If you never fly, there's no point in applying for an airline-branded card, but a card with excellent rewards on gas purchases might work well for you. If you eat out all the time, but hit the grocery store only for necessities, consider a card that rewards restaurant purchases. The bottom line is that your current spending habits should inform which card you apply for; don't apply for a card thinking you'll change your habits just to fit into the reward structure.

Can you offset an annual fee? This is kind of a followup to the spending question above. Will you spend enough on the card to earn enough rewards to offset any annual fee the card charges? For many people, the annual fee is worth it given the rewards earned and other perks the card offers, but that isn't everyone. Check for a no-annual-fee, "lite" version of a particular card if you see features you like, but don't think you'll be able to offset the fee.

Can you earn the bonus/welcome offer? Rewards cards often offer pretty fantastic signup/welcome bonuses for new customers, but they require that you spend a particular amount of money within a particular amount of time – often three months – to earn those bonus rewards. Don't be lured into a card with an flashy bonus offer only to find you'll never be able to spend the required amount in time to earn it. DON'T go into debt trying to earn a bonus offer! Any bonus you earn will be quickly eaten up in interest costs if you don't pay off the balance on your card each month.


Since we are narrowing down the best credit cards for a Disney vacation, we should talk about two cards that are specific to Disney, Chase's Disney® Premier Visa® Card and the Disney® Visa® Card. Now, these could be great cards for the person or family who finds themselves traveling to a Disney destination multiple times a year or at least purchasing Disney merchandise on a regular basis, but they probably aren't the top cards for the person or family who goes to a Disney park every few years and likes to mix in other vacations in the off years.

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:



Disney® Visa® Card

Disney® Premier Visa® Card

Annual fee
Introductory offer
$100 statement credit after making your first purchase.
$250 statement credit after spending $500 within the first three months of account opening.
  • 1% back in Disney Rewards Dollars on all purchases, so $100 spent equals one reward dollar.
  • No limit on the number of reward dollars you can earn.
  • 2% back in Disney Rewards Dollars at gas stations, grocery stores, restaurants and most Disney locations.
  • 1% back on all other purchases.
  • No limit on the number of reward dollars you can earn.
Using rewards
Redeem rewards for all things Disney and Star Wars including toys, costumes and movies as well as toward Disney theme parks tickets, resort stays, cruises, 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 billing cycles of 0 interest from the purchase date of select Disney vacation packages.
Additional perks
  • Cardmember-only character photo opportunities with Disney or Star Wars characters at Walt Disney World® Resorts and Disneyland®.
  • 10% off select merchandise purchases of $50 and more at select locations and 10% off select purchases at Disney store and shopDisney.com.
  • 10% off select dining most days at the Walt Disney World® Resorts and Disneyland®.

Perhaps the most notable perk of Chase's Disney cards is the 0% 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 billing cycles.

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% back at gas stations, restaurants, grocery stores 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 travel credit card or cash-back credit card offers may actually earn you some even better rewards.

Disclaimer: The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.

This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.


  1. Susan
    May 10, 2018 - 2:30 am
    Do the Disney gift cards and reward dollars expire in one year? It is not clear to me why these cards would only benefit the annual Disney visitor.
      Reply »  
    1. Brooklyn Lowery
      May 14, 2018 - 8:01 pm
      The rewards expire after five years if they aren't transferred to a redemption card or applied as a statement credit to cover airfare. The article just mentions heading to Disney each year as a way to help you understand these cards are likely best for people who make regular trips to Disney. If that isn't you, perhaps a more general travel rewards card is a better bet.I understand your confusion with the article wording and will update it accordingly. Thank you for your comment.
        Reply »  
  2. Kathleen Hanna
    January 26, 2017 - 2:56 am
    Hopefully I will be receiving my card soon and I am interested in taking advantage of the 6 month 0% interest by transferring balances from my other credit cards. I have been approved for the Disney Premier Credit card from Chase.
      Reply »