Disney Premier Visa Card
Earn 2X-5X Disney Rewards Dollars with 10-15% off at Disney parks
Earn 5X on Disney+, Hulu, and ESPN+ and 2X at gas stations, groceries, restaurants, and Disney locations with a $49 annual fee. Get $300 in first-year value through a $200 Disney Gift Card and $100 statement credit. Save 10-15% on merchandise, dining, and guided tours at Disney parks — plus exclusive character photo opportunities.
- Annual Fee
- $49
- gift card + statement credit · Welcome Bonus
- $300
- Highest rate (conditional)
- Up to 5X (Disney Plus)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $49
- Authorized User Fee
- $0
- Foreign Transaction Fee
- 3%
- Network
- Visa Traditional
- Rewards Currency
- Disney Rewards
- Point Valuation
- 1–1 cpp (mid: 1)
- Credit Required
- Good to Excellent
Welcome Offer
Bonus: $300 gift card + statement credit
Spend: $500
Period: 3 months
Earning Rates
- 5X
Disney Plus
5% in Disney Rewards Dollars on purchases made directly at DisneyPlus.com, Hulu.com or Stream.ESPN.com
- 2X
Gas Stations
- 2X
Dining
- 2X
Grocery Stores
- 1X
All Other
Earning Scenarios
5X on Disney+, Hulu, and ESPN+
Spend $50/month on Disney streaming → Earn $30/year in Disney Rewards Dollars
2X at Gas Stations and Grocery Stores
Spend $500/month on gas and groceries → Earn $120/year in Disney Rewards Dollars
2X at Restaurants
Spend $300/month dining out → Earn $72/year in Disney Rewards Dollars
2X at Disney U.S. Locations
Spend $2,000 on a Disney World trip → Earn $40 in Disney Rewards Dollars
Benefits & Perks
Annual Credits & Statement Credits
1 creditsUp to
$120
in recurring credits (annual)
DoorDash DashPass
Get one-year complimentary DashPass, membership for both DoorDash and Caviar, that provides unlimited deliveries with $0 delivery fees and lower
$10
Monthly
Insurance & Protections
8 protectionsZero Liability on unauthorized charges
You won't be held responsible for unauthorized charges made in store, online, or via mobile device.
Up to $60,000 auto rental coverage
$60,000
secondary
Secondary coverage for theft and collision damage on rental vehicles up to $60,000. Primary outside the US.
Extended warranty adds 1 year ($10K/claim)
$10,000
secondary
Extends manufacturer warranties by 1 year on items with warranties of 3 years or less. Up to $10,000 per claim, $50,000 per account.
$3,000 lost luggage reimbursement per trip
$3,000
secondary
Up to $3,000 per traveler per trip for lost, stolen, or damaged luggage. Sub-limits apply: $500 for jewelry, $500 for electronics.
$500 purchase protection
$500
secondary
New purchases are covered against damage or theft for 120 days, up to $500 per claim and $50,000 per account.
Show all 8 protectionsShow fewer protections
$100/day baggage delay coverage (up to $300)
$300
secondary
Get reimbursed up to $100 per day for 3 days for essential purchases when checked baggage is delayed 6+ hours.
24/7 lost/stolen card assistance worldwide
Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.
Up to $500,000 travel accident insurance
$500,000
secondary
Coverage up to $500,000 for common carrier accidents and $100,000 for 24-hour travel accidents.
Dining Out
2x at restaurants
Disney Rewards Dollars
≈$2 in value on a $100 dinner, at our valuation of 1¢ per point
Annual fee: $49
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 2x, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Program & Transfers
Disney Rewards Dollars
Earn more on everyday spend.
Disney Rewards Dollars is a retail rewards program focused on turning everyday purchases into practical member value. The program includes 1 status tier that provide incremental benefits as activity grows. Members can earn through qualifying spend or travel activity and redeem for rewards tied to program terms and availability.
Reviews & Analysis
Third-Party Rankings & Ratings
4 sourcesHow It Compares
With a $49 annual fee, the Disney Premier Visa earns 5X on Disney streaming and 2X on gas, groceries, and restaurants. Disney park visitors save 10-15% on merchandise, dining, and tours. Rewards come as Disney Dollars — versatile within Disney's ecosystem but limited outside it.
Pros and Cons
Pros
- +5% back on Disney+ subscriptions
- +2% back on Disney purchases, gas stations, and grocery stores
- +10% off merchandise at Disney parks and shopDisney.com
- +10% off dining at select Disney restaurants
- +Exclusive character photo opportunities at Disney parks
- +$300 offer: a $200 Disney Gift Card eGift on approval plus a $100 statement credit after $500 in purchases in 3 months
- +No authorized user fee
Cons
- -$49 annual fee with no first-year waiver
- -3% foreign transaction fee makes it poor for international Disney parks
- -Disney Rewards Dollars only redeemable at Disney properties
- -1% base rate on non-category spending is below average
- -Limited value if Disney spending decreases over time
Who It's Best For
Best For
- Frequent Disney theme park visitors who spend $1,000+ annually at Disney
- Families with Disney+ subscriptions (5% back)
- Cardholders who value exclusive character meet and greets
- Those who want merchandise and dining discounts at Disney properties
Not Ideal For
- International travelers (3% foreign transaction fee)
- Non-Disney spenders seeking general rewards
- Those who rarely visit Disney parks or use Disney services
- Maximizers looking for flexible point transfer options
The Math: Is $49 Worth It?
First-year value includes $300 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$72
Annual Fee
-$49
Net Annual Value
+$23
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| One Disney Premier bonus per 24 months | This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
Payment Terms
| Purchase APR | 18.49%–27.99% (Variable) |
| Cash Advance APR | 28.74% (Variable) |
| Foreign Transaction Fee | 3% |
| Authorized User Fee | $0 |
Media & Resources
Video Reviews
8 videosDisney Credit Card Review - Disney Visa & Disney Premier Visa
Disney Visa Review | Is the Chase Disney Visa Worth It?
The Disney Visa is Extremely Flawed...But I'm Keeping It.
Disney Premier Visa Card Review 2025 | Worth It or Leave It?
Chase Disney Premier Visa Credit Card Review
Disney Credit Card Review
Reviewing The Disney Visa Credit Cards - Is There A Better Option?
Third-Party Articles & Reviews
NEW Disney Visa Card Announced With Even MORE Perks
AllEars announcement of the new Disney Visa Card highlighting expanded perks and benefits for Disney fans.
Best credit cards for Disney vacations in February 2026
Yahoo Finance's guide to the best credit cards for Disney vacation spending and rewards optimization.
Disney® Premier Visa® Card 2026 Review
Comprehensive review of the Disney Premier Visa Card with analysis of benefits, fees, and suitability for Disney vacationers.
Disney releases a new premium card with a $600 bonus
The Points Guy's analysis of Disney's new premium card tier, detailing the elevated welcome offer and exclusive benefits.
You Can Get Even MORE Perks With The NEW Disney Visa Card
Breaking news on the enhanced perks and benefits of the new Disney Visa Card with focus on dining and resort advantages.
Chase Disney Credit Card Review [2026]
In-depth review of Disney Chase Visa cards with specific focus on maximizing Disney park and resort rewards.
The Best Credit Cards for Disney Vacations
Comparison guide evaluating multiple Disney credit cards and other premium travel cards for Disney vacation spending.
Disney Premier Credit Card Reviews (2026)
WalletHub's detailed review and ratings of the Disney Premier Visa Card, comparing it against other Disney credit card options.
Compare Disney® Visa® Credit Cards
Official Disney Rewards comparison tool for evaluating different Disney Visa card options and their respective benefits.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Chase | — | Chase |
| NerdWallet | — | NerdWallet |
| CardRatings | — | CardRatings: Welcome offer.bonus cash |
| CardRatings | — | CardRatings: Bonus categories |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Multiple card facts | |
| Chase | Chase |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
Partner credits at
Merchants this card gives you a statement credit or membership at. Unlike the brands above, this isn't about earn rate — it's money the card hands back when you spend there.