Review: Disney’s Premier Visa Card

With reward credit cards, consumers can snag perks related to airline travel, hotels, and cash back. But if you have children, it’s likely you’d trade all of these things for a trip to a Disney theme park.

Enter Chase’s Disney Premier Visa Card. The card features promotional financing on Disney vacations and up to 2 percent back in Disney Dream Reward Dollars, which can be used toward theme park tickets, resort stays, Disney cruise vacations, and Disney merchandise. Cardholders can also redeem Disney Dollars toward airline travel to any destination on any airline with no block-out dates. Sounds like a family-friendly bargain, but compared to other cards that offer a wider variety of rewards, is this one worth it?

Advantages:

  • Sign-up bonus. New applicants will receive a statement credit of $100 after their first use.
  • Interest-free financing on Disney vacation packages. New cardholders who purchase a qualifying Disney vacation package will receive six months of interest-free financing on their purchase. After that, the standard interest rate is 14.24 percent.
  • Earn Disney Dollars. Cardholders earn 2 percent back in reward dollars from purchases at gas stations, grocery stores, restaurants, and most Disney locations. One percent is earned on most other purchases. Reward dollars can then be used for Disney purchases online or at stores and theme parks. In addition, cardholders can redeem reward dollars for statement credits toward any airline purchase.
  • Receive savings on Disney purchases. Card members enjoy 10 percent savings on purchases from Disney stores and theme parks over $50.
  • Special cardholder events with Disney characters. Cardholders and their children are eligible to participate in exclusive character “meet ‘n greet” events at Disney theme parks.

Disadvantages:

  • Fees. There’s a $49 fee the first year and a 3 percent foreign transaction fee on all charges processed outside the United States. It certainly is counterintuitive – and confusing – to charge a $49 fee and offer a $100 sign-up bonus at the same time.
  • Rewards are (mostly) in-store credit. This is clearly a marketing ploy that encourages cardholders to continue spending on Disney products. Fortunately, rewards can be redeemed for airfare as well.
  • So-so reward rates. The 2 percent categories are fine, but 1 percent on everything else is the bare minimum that reward card users should expect. Other competing cards like American Express Blue Cash Preferred offer as much as 6 percent cash back at grocery stores.
  • Promotional financing only good on Disney vacations. While most promotional financing offers apply to all new purchases and balance transfers, the Disney card is clearly a tool for selling Disney packages.

Bottom line:

Get it if: You are a die-hard Disney fan who knows you’ll purchase their products.

Forget it if: You can find a better reward card that offers superior returns that are usable on a variety of goods and services.

How to find cheaper car insurance in minutes

Getting a better deal on car insurance doesn't have to be hard. You can have The Zebra, an insurance comparison site compare quotes in just a few minutes and find you the best rates. Consumers save an average of $368 per year, according to the site, so if you're ready to secure your new rate, get started now.

10 Times You’re Right to Be a Cheapskate
10 Times You’re Right to Be a Cheapskate

Sometimes, clever shoppers can save money without sacrificing quality. Here are some great examples of how to do it.

10 Cars That Lose the Most Resale Value After 5 Years
10 Cars That Lose the Most Resale Value After 5 Years

Two types of vehicles are especially likely to see steep plunges in value.

30 Purchases That Will Start Saving You Money Immediately
30 Purchases That Will Start Saving You Money Immediately

Sometimes, you’ve got to spend to save. These canny deals are a good bet for savings.

View this page without ads

Help us produce more money-saving articles and videos by subscribing to a membership.

Get Started

Add a Comment

Our Policy: We welcome relevant and respectful comments in order to foster healthy and informative discussions. All other comments may be removed. Comments with links are automatically held for moderation.