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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 into 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 reward program more valuable (more on those options below the table).

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 three months.

Rewards

  • 1 percent back on all purchases, so $100 spent equals one reward dollar.
  • No limit on the number of reward dollars you can earn.
  • 2 percent back on purchases at gas stations, grocery stores, restaurants and most Disney locations (Two reward dollars for every $100 spent).
  • 1 percent 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 billing cycles 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 percent 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 percent off select dining most days at the Walt Disney World® Resorts and Disneyland®.
  • 15 percent 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 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 percent 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. Here are a few of our top picks when it comes to more general rewards options.

Barclaycard Arrival Plus® World Elite Mastercard®

Barclaycard Arrival Plus® World Elite Mastercard®

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Why We Like It:  This is a simple situation: Earn two miles for every $1 you spend. Then, receive 5 percent of your points back each time you redeem.

The Bonus: Earn 40,000 bonus miles – enough for $400 in travel statement credit – after spending $3,000 in the first 90 days.

The Annual Fee: $89 (waived the first year).

The Rewards: Earn two miles per $1 spent on all purchases with no caps or categories and receive 5 percent of your miles back each time you redeem to be used on a future redemption. Read our full review

Credit Needed: Excellent


Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

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Why We Like It: Chase Utlimate 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, you're points are worth 25 percent more when you redeem them for travel, making them even more valuable than they are at face value.

The Bonus: Earn 50,000 Chase Ultimate Rewards® points – worth $625 in travel – after spending $4,000 in the first three months. Also, earn 5,000 additional Ultimate Rewards® points if you add an authorized user and make a purchase in the first three months.

The Annual Fee: $95 (waived the first year).

The Rewards: Earn two times the points on travel and dining at restaurants and one point on everything else. Chase Ultimate Rewards® points are transferable to numerous frequent flyer and hotel loyalty programs at a 1:1 ratio. Read our full review

EXPERT TIP: By the way, we recommend combining this card with Chase Freedom® and/or Chase Freedom Unlimited® to earn top rewards in categories beyond travel and dining. Use Chase Freedom® strategically to earn 5 percent back on up to $1,500 spent in quarterly rotating categories when you activate (gas stations; internet/cable/phone services; and Chase Pay®, Apply Pay®, Android Pay™ and Samsung Pay purchases are the bonus categories for January-March 2018), use Chase Freedom Unlimited® to earn 1.5 percent back on everything that doesn't earn more with Chase Freedom® or Chase Sapphire Preferred® Card and then transfer all your points to your Chase Sapphire Preferred® Card where your points are worth 25 percent more when redeemed for travel through Chase Ultimate Rewards®.

Credit Needed: Excellent/Good


Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

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Why We Like It:  If you're looking for cash back to save up for your next vacation, this is a reat place to start since you'll earn solid cash-back rewards on your everyday purchases.

The Bonus: Earn a $150 cash-back bonus after spending $1,000 in the first three months.

The Annual Fee: $0. Terms apply. See Rates and Fees

The Rewards: Dream of your vacation while doing your regular shopping. You'll earn 3 percent back on up to $6,000 spent annually at U.S. supermarkets (then 1 percent), 2 percent back at U.S. gas stations and select U.S. department stores, and 1 percent back on all your other purchases. Read our full review

Credit Needed: Excellent, Good


*Photo by Anthony Quintano via Flickr (license)

1 Comments

  1. Kathleen Hanna January 25, 2017 at 6:56 pm
    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 »  
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