Disney Visa Card Vs. Disney Premier Visa Card

The two Disney credit cards are extremely popular among Disney Parks enthusiasts. Maybe it’s the constant reminder of the vacation you want to be on or knowing every time you use it you’re that much closer to paying for your trip. If you’re thinking about using Disney Rewards to help pay for your next vacation, you’re probably wondering how do they stack up against each other. Here are the pros and cons of the Disney Visa Card vs. Disney Premier Visa Card. 

Annual Fee

Disney Visa CardDisney Premier Visa Card

Sign Up Bonus

Chase offers a $50 statement credit after your first purchase with the Disney Visa Card. And, they offer a $200 statement credit after spending $500 in the first three months.

BUT, if you use a referral link (like that one) for the Disney Visa Card, you can also get $200 statement credit after spending $500 in the first three months.

Disney Visa CardDisney Premier Visa Card
$200 statement credit after spending $500 in first three months (with referral link)$200 statement credit after spending $500 in first three months

Daily Spending

The Disney Visa Card earns a flat 1% in Disney rewards dollars. The Disney Premier Visa Card earns 2% at gas stations, grocery stores, restaurants, and most Disney locations. It earns 1% back on all other spending.

You’re paying a $49 annual fee, so you’ll break even once you’ve spent $4,900 with the Disney Premier Visa Card in those 2% bonus categories. Since grocery stores is a big category for most families, that shouldn’t be too hard to do.

Disney RewardsDisney Premier
1% earned on all purchases2% earned on gas, groceries, restaurants, and most Disney locations; 1% on all other purchases

However, it’s not hard to find a no annual fee cash back card that earns 2% on all purchases. The Citi Double Cash is a good example. In relation to other cards, the value of the Disney cards are not in what you’ll earn on daily purchases. It’s in the perks as we’ll discuss in the next section.


You’ll get the same basic perks on both cards. The special character meet & greets with the free photo download as well as the dining and merchandise discounts are great if you have a trip coming up.

Character Meet & Greets: Both Disneyland and Walt Disney World have special meet & greet for Disney cardholders. The lines are usually shorter than other meet & greets and you get a free photo download. One of them has traditional characters like Mickey and Minnie, and the other has Star Wars characters. You can read all the details in this post.

Shopping Discounts: You get 10% off merchandise purchases at Disney Stores and shopDisney. You need to mention the discount at the register at the former and use promo code DRVCMEMBER when checkout with the latter. In addition, you can get 10% off merchandise at Disney Parks when you spend $50 or more.

Dining Discounts: There are 27 restaurants at Walt Disney World that offer a 10% discount with your Disney credit card. There are eight at Disneyland.

Others: There are a handful of other less useful perks on a small number of guided tours, recreational resort activities like horseback rides, and spa treatments.

Redeeming Points

With both cards you’re earning Disney Rewards Dollars at the rates previously mentioned. Once you’ve earned at least $20 worth of rewards, you can order a Disney Rewards Redemption Card and transfer your points onto it where the card can be used effectively like a gift card. It’s a bit of a hassle. The website is a little confusing, but it’s not a huge deal. The card, and the points on it, can be used for a vacation package, park tickets, at Disney hotels, restaurants, etc., so you have lots of options for how you can use the points you’ve earned.


We recommend getting and keeping the no annual fee Disney Visa Credit Card, using a referral link for the extra sign up bonus. The extra sign up bonus is good for a card without an annual fee, and the perks on the card are helpful if you have a Disney vacation coming up.

But, since there are cards with higher earning rates, we don’t recommend using either of them for your daily purchases.

If you enjoy our posts, consider supporting Points to Neverland by using one of our links to apply for your next credit card.

Disney Premier Visa Card

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  • What kind of points: Disney
  • Sign Up Bonus: $100 Statement Credit after spending $500 in first three months
  • Annual Fee: $49
  • How to Earn Points: 2x at Disney, grocery stores, gas stations, and restaurants, 1x on everything else
  • Value of a Point: 1.0 cents
  • How to Spend Points: Redeem at Disney Parks and Disney Stores
  • Our favorite Use: Disney Vacation Package