February 12, 2018
Review: Disney Visa and Visa Premier Credit Cards

Article By:

It’s no secret that I’m a bit of a Disney fan. I have a Walt Disney World annual pass and fly in to visit the parks at least three times a year at this point. I even made it out to Disney’s gorgeous Aulani Resort in Hawaii this past summer. I get asked about Disney’s credit cards from time to time and whether they’re any good. So I wanted to share my opinion with all of you.

Sign-Up Bonus

Disney partners with Chase to offer two credit cards-the Disney Visa card and the Disney Visa Premier card. The Disney Visa comes with a $50 statement credit after making your first purchase. The Disney Visa Premier comes with a $200 statement credit after spending $500 in the first three months of account opening.

Earning Points

The Disney Visa earns 1% in Disney Rewards Dollars on every purchase. The Disney Visa Premier earns 2% in Disney Rewards Dollars on gas stations, grocery stores, restaurants, and most Disney locations in the U.S. and 1% on everything else.

Disney Rewards Dollars is Disney’s virtual currency. You can redeem them for most Disney items. Once you have at least $20 DRD you can order a Disney Rewards card online. This works similar to a prepaid gift card. You can reload it online and use it to pay for Disney items like Disney theme park tickets, Disney hotel stays, Disney Cruise Line, Adventures by Disney, Disney Store purchases, Disney Gift Cards, etc.


Both cards offer 10% off on select Disney merchandise at Disney Stores and DisneyStore.com. They also offer 10% off select merchandise purchases of $50+ at selection locations in Disneyland and Walt Disney World.


Cardholders can also access private card member character meet locations in Disneyland and Walt Disney World. Cardholders receive free downloads of their character photos.


The Disney Visa has a $0 annual fee while the Disney Premier Visa has a $49 annual fee. Both cards charge foreign transaction fees.

Should you get it?

Let’s start with the obvious. These cards should only be considered if you regularly spend money at Disney locations. There’s several cash back cards which offer 2% cash back on all purchases. Since 2% cash back is better than 2% in Disney Reward Dollars, the point earning structure of both the Disney cards is not appealing.

I’m such a dork

Both cards offer a 10% discount on Disney merchandise. This can make them worthwhile if you buy a lot of Disney merchandise. The biggest draw is that the discount applies to DisneyStore.com and Disney stores not located in the parks, in addition to discounts in the parks. A Walt Disney World annual pass or Disney Vacation Club membership comes with a 20% merchandise discount only in the parks.

The character meet and greets are a nice perk to have. They typically have shorter wait times than the regular lines to meet characters. But I don’t find this perk very compelling because there’s so many opportunities to meet characters in the parks and resorts as it is.

I’d say these cards are ideal for a very limited number of people. If you’re a huge Disney fan and do a ton of Disney shopping, the 10% discount can add up. Other than that, there’s plenty of cash back cards which offer a better point earning structure.

Featured Image Courtesy of Walt Disney World