Disney® Premier Visa® vs. Disney® Visa®: Which is best?

Written by
TJ Porter
Terms apply; see the online credit card application for full terms and conditions of offers and rewards.
Disney Premier Visa vs Disney Visa

Disney diehards have a reputation for their intense love of all things Disney. If you count yourself among the Mouse’s biggest fans and want to display your brand loyalty while earning rewards toward your next visit to the parks or purchase of Disney gear, take a look at the Disney credit cards.

There are two Disney credit cards available from Chase, Disney’s credit card partner: the Disney® Premier Visa® Card and the Disney® Visa® Card. While similar, you should consider their differences before making a decision. (Information related to the Disney® Premier Visa® Card and the Disney® Visa® Card has been collected by CardRatings and not provided or reviewed by Chase)

Remember, these cards offer solid value for the truly Disney faithful – people who visit the parks or shop Disney merchandise regularly. If you, however, don’t drop in on Cinderella’s castle at least a time or two each year, you’d likely fare better with a more general travel rewards card like one from our best credit cards for Disney vacations list.

Which Disney Credit Card Is The Best?

Assuming you’ve decided your lifestyle and needs warrant a Disney-specific card, as compared to one of the more general travel rewards cards, the best Disney credit card for you will depend on your spending habits and goals.

Both cards offer some exciting perks, including exclusive photo opportunities at Disney parks and discounts on merchandise and dining while you’re on vacation. Rewards earning and redemption options are where these cards differ.

The Disney® Premier® Visa, which carries a $49 annual fee compared to the standard Disney® Visa®’s $0 fee, offers slightly more rewards. Earn 2% on gas, restaurant and grocery purchases instead of just 1% like the Disney® Visa® offers. That bump in earning means you have the opportunity to earn higher rewards on everyday purchases. Furthermore, the Premier version also offers more flexibility when redeeming the rewards – you have the option to use your rewards balance to cover airline ticket purchases made with your card.

For many people, the annual-fee-free version will be sufficient since it unlocks the same Disney perks as the Premier card. The Premier card’s higher everyday earnings aren’t particularly exciting when compared to some of the best cash-back credit cards out there. Still wondering what’s best for you? Take a look at our side-by-side comparison for more details:

Disney® Premier Visa® Card vs. Disney® Visa® Card

Disney® Premier Visa® Card

Disney® Visa® Card

Disney® Premier Visa® Card

Disney® Visa® Card

Annual Fee

$49

$0

New Cardholder Bonus Offer

$300 statement credit when you spend $1,000 on purchases in the first three months

$150 statement credit when you spend $500 on purchases in the first three months.

Rewards

  • 2% in Disney Rewards Dollars on gas, groceries, restaurants and most Disney locations
  • 1% on other purchases
  • 1% in Disney Rewards Dollars on all purchases

Redeeming Rewards

  • Use rewards for almost anything at Disney locations, including theme park tickets, resort stays, dining, shopping and more
  • Apply rewards as statement credit to cover airline travel purchases with the card
  • Redeem toward almost anything at Disney locations, including theme park tickets, resort stays, dining, shopping and more

Intro Purchase APR Offer

Take advantage of a 0% promotional APR for 6 months on select Disney vacation packages from the date of purchase (regular APR of 16.24% / 25.24% applies after the promo period)

Enjoy 0% promotional APR for 6 months on select Disney vacation packages from the date of purchase (regular APR of 13.99%-22.99% (Variable) applies after the promo period)

Foreign Transaction Fees

3% of the amount of each transaction in U.S. dollars

3% of the amount of each transaction in U.S. dollars

Travel Protection

  • Baggage delay insurance
  • Baggage delay insurance

Purchase Protection

  • Up to one year extended warranty
  • 120 days coverage against theft or damage, up to $500 per claim
  • Up to one year extended warranty
  • 120 days coverage against theft or damage, up to $500 per claim

Customer Service

  • 24/7 access to customer service specialist
  • Access to 24/7 customer service specialist

Disney Perks

  • 10% discount on select purchases at shopDisney.com
  • 15% off select guided tours and 10% off select dining at Disneyland and Walt Disney World
  • Private card member locations for photos and character meet and greets at Disneyland and Walt Disney World
  • Choose from multiple card designs
  • 0% financing for 6 months on select Disney packages
  • 10% discount on select purchases at shopDisney.com
  • 15% off select guided tours and 10% off select dining at Disneyland and Walt Disney World
  • Private card member locations for photos and character meet and greets at Disneyland and Walt Disney World
  • Choose from multiple card designs
  • 0% financing for 6 months on select Disney packages

How do Disney credit card points work?

Disney credit card rewards add up in the form of Disney Rewards Dollars. These Disney Rewards Dollars are designed to be used at Disney parks and retail locations. When visiting a Disney property or retail store, you can redeem your points for merchandise, park tickets, hotel stays and more.

If you have the Disney® Premier Visa® Card, you can also redeem your rewards as statement credit to cover airfare purchased with your card. For instance, $50 Disney Reward Dollars is worth $50 in statement credit to cover an airline ticket purchased with your card.

What credit score do you need to get a Disney credit card?

Chase does not advertise the specific credit score required to qualify for one of its Disney credit cards. As with any credit card, though, the better your credit score, the better your chances of qualifying for the card. Other factors, like your total income as well as debt-to-income ratio, also play a role.

To give yourself the best chance to qualify, ensure you have at least good credit before applying.

How hard is it to get a Disney credit card?

Generally, it is not difficult to get a Disney credit card. You can easily apply for the card online. If you happen to be at a Disney park, or retail location you’ll also see offers to apply for the card. While Chase doesn’t advertise explicit requirements to qualify for a Disney credit card, people with good credit should have little trouble getting one.

How to apply for a Disney credit card?

You can apply for a Disney Credit Card directly from Chase’s website. You’ll have to provide some basic personal information, such as your contact info, Social Security number, income and other debts. This will let Chase make a lending decision.

If you’re at a Disney retail location or park, you may also be able to apply while you’re making a purchase.

How long does it take to get approved for a Disney credit card?

Approval for a Disney credit card could occur instantly upon application, or you may have to wait a few days while Chase considers your application. As with many credit card applications, applying online could result in instant approval or instant denial, depending on the details in your application. It could also result in a message letting you know Chase needs more time to review your application and will let you know a decision soon.

In the case of the “we need more time” message, you should receive more information within a few days or as long as a couple of weeks. You can also call and check on the status of your application if you haven’t heard a response within a few days.

How to get a Disney credit card with bad credit?

If you have less than perfect credit, it can be hard to get a credit card, but there are still ways that you can qualify.

Your credit score is just one piece of the puzzle lenders use when deciding whether to give you a credit card or loan. Factors like your overall debt, total income, debt-to-income ratio all play a role. Your recent credit history can also have an impact, even if your overall score is low.

If you’ve shown recent improvement in your credit habits, have kept your debt low and can show income sufficient to make payments on a new card, you might be able to qualify.

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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.