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Disney Premier Visa® Card: Savings & Perks At Disney Locations

Opinions, analyses, reviews, or recommendations expressed here are the author’s alone, and have not been reviewed or endorsed by the issuer. We may be compensated through the issuer’s Affiliate Program. For a full list of our advertisers, including American Express, see our disclosure page.

Image of Disney Premier Visa® Credit Card
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"Unless you want to maximize the amount of Disney Dream Reward Dollars® you earn, this card is not worth your time."

Contents

The Disney Premier Visa® Card, a card which has recently gotten a lot of press coverage due to its Star Wars makeover, is unfortunately quite underwhelming. Though it offers competitive rewards rates on gas, grocery and dining purchases (2%), the card’s $49 annual fee makes it a hard sell, especially when compared against most cash back credit cards. If you’re interested in the card’s Disney Perks (such as the 10% discount or Meet ‘N’ Greets), know that you can get the same benefits with the Disney Rewards Visa with no annual fees.

Good For… Bad For…
  • Serious Disney Fans
  • Earning Disney Dream Reward Dollars® 
  • Someone seeking flexible rewards
  • Everyday Use

Review: Do Dreams Come True With the Disney Premier Visa® Card?

When it comes to day-to-day spending, the Disney Premier Visa® Card doesn’t do anything that a decent cash back credit card, such as the Citi® Double Cash Card - 18 month BT offer or Capital One® Quicksilver® Cash Rewards Credit Card, doesn’t do better. This card does offer interesting and unique features to cardholders – but only those who are devoted Disney fans, or parents of children raised on Disney. If you travel to Disney theme parks once every one or two years, then some of this card’s side benefits may be worth your time.

If you're only after maximizing your net rewards, and use the Disney Premier Visa® Card to only pay for grocery, dining, and gas purchases, it can outperform some of the top cash back credit cards (though not all). The moment you begin using this card to pay for other items, however, this advantage will degrade, as you begin losing out on the potential value that could have been gained through other fixed rate cards. As you can see in the graph below, while the maximum potential is greater on the Disney Premier Visa® Card, it has a significantly lower bottom.

This graph shows the potential rewards earned based on a $12,000 annual spend across the Disney Premier Visa and a few similar credit cards

The rewards earned through this card can be ultimately used in one of two ways: at Disney locations, or to pay off airline ticket charges on your credit card bill. When it comes to the latter, there are travel rewards credit cards that will do a better job. For instance, for just $10 more annually, you can get the Capital One® Venture® Rewards Credit Card, which will give you the same 2% rewards rate on all purchases, across more categories – including airfare, hotel stays, and car rentals.

The best features of the Disney Premier Visa® Card are things like private Meet ‘N’ Greets, and the 10% discount on select Disney purchases. However, if you instead get the Disney Rewards® Visa® Card (which has a $0 annual fee), you get access to these same benefits. The only thing you’d be giving up with the no-annual-fee variant is half the welcome bonus and the 2% rewards rate – two features that you can easily supplement by applying for another card.

Bottom Line: We’d recommend most consumers stay away from the Disney Premier Visa credit card; we'd point consumers to the no-annual-fee version (the Disney Rewards Visa for its perks), or other travel rewards or cash back credit cards for great cash back rewards on more categories of spending.

Disney Premier Visa® Card Benefits & Features

The Disney Premier Visa® Card earns users Disney Dream Reward Dollars®, with every purchase they make. You get 2 Rewards Dollars for every $100 you spend at gas stations, grocery stores, restaurants and most Disney locations; just 1 Rewards Dollar is awarded for every $100 you spend in all other locations that accept Visa cards.

Image of Disney Premier Visa® Credit Card
Annual Fee $49
Purchase APR 15.99%
Card Details
  • Earn $100 Disney gift card after spending $500 in the first three months
  • 2% in Disney Dream Reward Dollars® for every $1 spent at gas stations, grocery stores, restaurants, and Disney locations
  • 1% in Disney Dream Dollars® for every $1 spent otherwise
  • Save 10% on merchandise purchases of $50 or more at DisneyStore.com and physical locations
  • Character Meet 'N' Greet for cardmembers only when visiting Disneyland and Walt Disney World

Once you’ve accumulated at least 20 Disney Dream Reward Dollars®, you can request a Disney Rewards Redemption card, which will allow you to spend those hard earned rewards. That means you must spend at least $1,000 at the 2x category merchants, or $2,000 anywhere else, before you can actually start putting your rewards to use.

You can also redeem your Rewards Dollars towards airline ticket statement credits. This makes the card far more rewarding, and not tied down to the Disney brand. To redeem your rewards in this way, you must accumulate at least $50 worth of Disney Dollars. You also have just up to 60 days after the purchase of your tickets, to apply the statement credits towards it.

The value of 1 Disney Dream Reward Dollar is $1, so at the end of the day you’ll be earning a rewards rate anywhere between 1% and 2% - which is fairly decent.

10% Discount at Disney Store

When you use your Disney Premier Visa® Card to make purchases of $50 or more (pre-tax) at Disney Stores or DisneyStore.com, you are eligible to receive a 10% discount. While this seems like an amazing offer at first, many hot-ticket items are excluded from this benefit. The list below shows some of the items that are not eligible for the discount.

Not Included In The 10% Discount:

  • Theme Park Passes
  • Disney INFINITY
  • Disney Electronics
  • CDs, DVDs & Blu-ray
  • Video Games
  • Books
  • Art & Collectibles
  • Jim Shore, Lenox® , Enesco Busts and Figurines, Olszewski, Precious Moments, and Vinylmation merchandise
  • Gift Cards/Gift Certificates
  • 3-D Printed merchandise
  • And more – for a full list visit the card website, and click the *Offer Details tab

$100 Disney Gift Card

If you manage to make at least $500 in purchases, within the first 3 months of your account opening, you will receive a complimentary $100 Disney gift card. To qualify, the $500 must be reached through purchases only - balance transfers, cash advances, and fees do not count towards the minimum threshold. Furthermore, if you qualified for this bonus within the last 2 years, you may not be eligible to receive it again.

The value of this bonus is on par with what we've come to expect from the best cash back rewards credit cards - though many of those do not have any annual fee. Some of the best credit cards in the price-range of the Disney Premier Visa® tend to be a little more generous with their welcome bonuses.

Financing Disney Vacation Packages

If you use the Disney Premier Visa® Card to pay for a Disney Vacation package, you will receive 0% APR for 6 months. This can help pay for a vacation over time, without incurring the wrath of interest fees. After the 6 month period, if you have not yet paid off your purchase by this time expires, you will have to pay the card’s regular APR of 15.99% (variable).

In general, it is not the best practice to finance things like vacation packages because of the high interest expense you'd be accumulating. You should be ideally only purchasing them when you have the funds available to pay for it in its entirety. We recommend using this benefit only if you know that you will be able to pay off the purchase completely, any day, and simply want to free up some of your available cash right now, and break up this purchase over time.

The cost of a Disney Vacation Package will differ based on your design. For example, a 7-day package, for a family of 4, with access to all 4 theme parks at a Disney All-Star Resort, runs about $2,216 (not including airfare). Paying this off over 6-months would come out to payments of $369 per month.

Star Wars Perks & Meet ‘N’ Greets

Here are three front and pack images of the new Star Wars themed designs that Disney Premier users can choose for their credit card.Disney Premier Visa® cardholders have, as one of their perks, access to private locations at Walt Disney World® and Disneyland® Resort where they can meet their favorite Disney characters – away from the general public where these actors are usually crowded.

Beginning the Fall of 2015, these Star Wars characters will enter the fray, which means having a card will allow you to have a more private 1-on-1 with classic figures such as Darth Vader. This Star Wars™ Imperial Meet 'N' Greet will be available only at Disneyland® Park, in California.

In addition to the new Meet ‘N’ Greets, true Star Wars devotees will have the option to outfit their Disney Premier Visa® Card with one of three new designs – Darth Vader, Yoda, or C3-PO/R2-D2 themed. The way a credit card looks should not usually sway you towards getting one, though this is a detail that may be hard to resist for many hardcore fans.

How Does the Disney Premier Visa® Card Compare Against Other Credit Cards?

To get an idea of the true value of the Disney Premier Visa® Card, it’s important to consider other options available to you. Below you’ll find how the Disney Premier Visa® Card stacks up against other credit cards on the market.

Disney Premier Visa® Card vs Disney Rewards® Visa® Card

Image of Disney Rewards Visa® Credit Card

The Disney Rewards® Visa® Card is the ‘no-annual-fee’ version of the Disney Premier Visa® Card. The two cards differ only in two significant ways. Firstly, with the Disney Rewards® Visa® Card you don’t get any extra points when shopping at gas stations, grocery stores, and restaurants – the card has a flat 1% rewards rate across all spending. Secondly, the welcome bonus on the card is lower. With the Disney Rewards® Visa® Card you get a $50 Disney Gift Card after your first purchase. Other than that, all the other benefits are the same between the two cards. Since we wouldn’t recommend getting the Disney Premier Visa® Card for its bonus, or its rewards on gas, groceries, and restaurants, the Disney Rewards® Visa® Card is the better choice – you still get the benefits that matter, though you also don’t have to pay an annual fee.

Disney Premier Visa® Card vs Citi® Double Cash Card - 18 month BT offer

If you don’t care about the 10% Disney discount, or the Meet ‘N’ Greet perks, then we recommend going with the Citi® Double Cash Card - 18 month BT offer instead. This Citi® Double Cash Card - 18 month BT offer provides users with 1% cash back on all their purchases, then another 1% back when that thing is paid off. The Disney Premier Visa®  only matches that rate on gas, grocery, and restaurant shopping, and in a limited fashion – whereas you earn Disney Dollars with the Disney Card, you earn real USD with the Citi® Double Cash Card - 18 month BT offer. The one downside with choosing the Citi® Double Cash Card - 18 month BT offer over the Disney Premier Visa® Card is that you’d be giving up on the $100 welcome bonus (there is no such thing on the Citi card) and all the other side benefits associated with it. As far as maximizing rewards from everyday spending is concerned, the Citi® Double Cash Card - 18 month BT offer reigns supreme.

Disney Premier Visa® Card vs Blue Cash Everyday® Card from American Express

If you’re looking for a card that gives you great rewards on grocery shopping and gas station purchases, look no further than the Blue Cash Everyday® Card from American Express. This card awards 3% cash back at U.S. supermarkets, on up to the first $6,000 in purchases per year (1% after that), unlimited 2% back at U.S. gas stations, and select U.S. department stores, and 1% back everywhere else. Given that the average annual ‘Food at Home’ budget for U.S. households is $3,977, we doubt many people will go over the limit on that category.

Comparison Tool

If you want to cater your credit card to your specific spending patterns, you can use our tool to achieve that. Simply input your estimated monthly spending across the various categories, and our tool will calculate your rewards rate – ranking the cards from highest to lowest rewards.

Edit Monthly Spend: $1,430
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Computing:
Card Annual Fee 2-yr Net Rewards Rate

The Net Rewards Rate is equal to the Rewards Value over two years divided by the total spending. The total spending is equal to the values entered into the tool and multiplied by 24 months. See the Rewards Value note to see details on how it is calculated.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Bonus Value

The bonus field shows our estimate for the value of the card’s sign-up bonus. If the bonus is point or mile based, we multiply the total bonus points/miles by our estimate for their value to arrive at a dollar equivalent. We display $0 if there is no bonus or if the user doesn’t qualify for the bonus based on the current spending entered into the tool.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

2-yr Rewards Value

The Rewards Value is calculated by adding together the rewards earned from charging purchases to the card over two years and any sign-up bonuses (if applicable). They are then multiplied by our estimated point/mile value, with any annual fees (if applicable) subtracted. All values are based on our own estimates for the dollar value of any points, miles or bonuses earned using a card.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Capital One® Quicksilver® Cash Rewards Credit Card
$0 1.85%
$150
Get $150 bonus after spending $500 within the first 3 months
$665
Graph Card Read Review More Details
Annual Fee $0
APR 13.99% - 23.99% (Variable)

Card Details

  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 13.99%-23.99% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.99%-23.99% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 515 x $1 = $515
Bonuses
0 x $1 = $150
Total Net Estimated Rewards Through 24 Months 665
Capital One® QuicksilverOne® Credit Card
$39 1.21%
$0
$437
Graph Card Read Review More Details
Annual Fee $39
APR 24.99% (Variable)

Card Details

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your QuicksilverOne card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Help strengthen your credit for the future with responsible card use

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 515 x $1 = $515
Less Annual Fees -$78
Total Net Estimated Rewards Through 24 Months 437
Blue Cash Everyday® Card from American Express
$0 1.80%
$100
Get $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.
$650
Graph Card Read Review More Details

Terms and Limitations Apply

Annual Fee $0
APR 13.99%-24.99% Variable
*Rates and Fees

Card Details

  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 550 x $1 = $550
Bonuses
0 x $1 = $100
Total Net Estimated Rewards Through 24 Months 650
Disney Rewards Visa® Credit Card
Image of Disney Rewards Visa® Credit Card No Annual Fee 1.09%
$50
Earn a $50 statement credit after first purchase
$393
Graph Card More Details
Annual Fee No Annual Fee
APR 15.99%

Card Details

  • Earn a $50 statement credit after first purchase
  • 1% in Disney Dream Reward Dollars® for every $1 spent
  • Save 10% on merchandise purchases of $50 or more at DisneyStore.com and physical locations

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Bonuses
0 x $1 = $50
Total Net Estimated Rewards Through 24 Months 393
Disney Premier Visa® Credit Card
$49 0.96%
$100
Earn $100 Disney gift card after spending $500 in the first three months
$345
Graph Card Read Review More Details
Annual Fee $49
APR 15.99%

Card Details

  • Earn $100 Disney gift card after spending $500 in the first three months
  • 2% in Disney Dream Reward Dollars® for every $1 spent at gas stations, grocery stores, restaurants, and Disney locations
  • 1% in Disney Dream Dollars® for every $1 spent otherwise
  • Save 10% on merchandise purchases of $50 or more at DisneyStore.com and physical locations
  • Character Meet 'N' Greet for cardmembers only when visiting Disneyland and Walt Disney World

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Bonuses
0 x $1 = $100
Less Annual Fees -$98
Total Net Estimated Rewards Through 24 Months 345

Comments and Questions

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program. 

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Advertiser Disclosure: Some of the offers that appear on this website are from companies which ValuePenguin receives compensation. This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products. For more information please see our Advertiser Disclosure.