If you spend $500 in the first three months of owning a Disney's Premier Visa® Card, you will earn a $100 Disney gift card. Most of the top rewards credit cards offer some form of sign-up bonus, but a higher spending requirement is often required. If you plan on using Disney's Premier Visa® Card with any regularity, most people probably won't have a problem hitting $500 in three months.


Disney's Premier Visa® Card allows you to earn points in multiple ways. Cardholders will receive 2% in reward dollars for gas, grocery, and restaurant purchases. Purchases at most Disney locations also receive 2% in rewards dollars. In addition, you will receive 1% on all other purchases made with the card. Points can add up quickly when there are multiple ways for you to earn rewards.


Reward dollars earned with Disney's Premier Visa® Card can be applied to a wide variety of Disney-related rewards. Some of these rewards include DVDs, toys, clothes, accessories, resort stays, dining at Disney restaurants, annual or seasonal park passes, and more. The redemption options offered with Disney's Premier Visa® Card will bring a smile to the face of any Disney lovers you may have in your home.


In addition to the many ways your rewards dollars can be redeemed, Disney's Premier Visa® Card also comes with some nice Disney-related perks. As soon as you receive your card, you are eligible for savings at and other Disney stores. You can also receive savings at Disney theme parks and even visit a private cardholder location at the Walt Disney World Resort and Disneyland to meet your favorite Disney characters.


Disney's Premier Visa® Card does not charge a fee for going over the credit limit, while some other rewards credit cards may charge as much as $29. The Disney Premier card encourages use at Disney theme parks and other vacation destinations where you may not always have immediate access to your credit balance. Knowing you won't get hit with a fee if you happen to go over your limit is a nice feature.



Disney's Premier Visa® Card comes with a $49 annual fee. When compared with other rewards cards that charge annual fees, the $49 fee is actually on the low side. However, there are several rewards cards that charge no annual fee and still offer impressive rewards options. However, if you plan on using the Disney Premier card with any regularity, you'll like make up the low annual fee in reward redemption options.


Although Disney's Premier Visa® Card offers an assortment of Disney rewards, there is also a lot of fine print. Most of the further details are just clarifying aspects of the rewards, but be sure to read through the reward stipulations just to make sure the rewards you expect to receive with your purchases match what is actually offered.


Disney's Premier Visa® Card charges 3% on every foreign currency transaction. Foreign currency transaction fees show up on about 50% of the top rewards cards. If you don't plan on any international travel, obviously this won't be a concern. However, for those that travel globally on a regularly basis, using a card with no foreign currency transaction fees can help save you money.


Rates and Fees
Annual Fee $49
Cash Advance Fee $10 or 3% per cash advance
Cash Advance Rate (APR) 19.24%
Foreign Currency Transaction Fee 3% per transaction
Introductory Rate (APR) 0% APR for 6 months for Disney vacation purchases
Standard Rate (APR) 14.24%* Variable
Penalty Fees
Default Penalty Rate (APR) 24.24%
Late Payment Fee Up to $15 - $35 (depending on balance)
Minimum Interest Charge None
Over-Limit Fee None
Returned Payment Fee Up to $29
Balance Transfers
Introductory Balance Transfer Rate (APR) None
Standard Balance Transfer Fee $5 or 3% per transfer
Standard Balance Transfer Rate (APR) 15.99%* Variable
Additional Rewards for Dining 2% cash back
Additional Rewards for Gas 2% cash back
Additional Rewards for Groceries 2% cash back
Additional Rewards for Shopping None
Additional Rewards for Travel None
Bonus Points Offered None
Rewards Earnings for All Purchases 1% cash back
Sign-Up Bonus $100 Disney Gift Card after spending $500 within first 3 months
Type of Reward Cash Back


  • Offers Companion Reward The airline credit card offers a companion airfare reward.

  • Additional 2:1 Rewards Categories The credit card offers 2:1 rewards or more for at least one additional purchase category - like dining, travel, gas, groceries, shopping, or other.

  • No Blackout Dates There are no blackout travel dates for your points, miles, or cash back rewards.

  • Sign-Up Bonus The credit card offers a sign-up bonus reward.

  • Unlimited Rewards You can accumulate an unlimited amount of points, miles, or cash back rewards with your credit card.

  • 2:1 Rewards or More The credit card offers 2 Points, 2% Cash Back, or 2 Miles or more for every dollar spent.

  • Bonus Points Offered The credit card offers bonus points you can earn throughout the year.

  • No Expiration Your rewards points, miles, or cash back rewards will never expire.

  • Early Boarding You receive priority boarding benefits as an owner of the credit card.

  • First Bag Free Your first checked bag is free.

  • In-Flight Spending Bonus You receive a discount or additional bonus points on all in-flight expenditures.

  • 24/7 Live Service You can speak with a live representative at any time of day about your credit card.

  • Emergency Support The credit card offers emergency support.

  • Fraud Liability The credit card offers fraud liability protection.

  • Price Protection You will be reimbursed the difference of any purchase made within a certain time period if you find a lower advertised price.

  • Purchase Security You will receive a refund for any item that a retailer doesn't accept as a return within a certain time period.

  • Exclusive Events You have access to exclusive events with the credit card.

  • Partner Point Transfer You can exchange your points for equal value with participating partners of the credit card, like hotels or airlines.

  • Book in Someone Else's Name You can use your airline rewards to book a trip in someone else's name.

  • Redeem for Airline Travel Rewards can be redeemed for airline travel.

  • Redeem for Other Rewards can be redeemed for other categories, such as magazine subscriptions or charity donations.

  • Redeem Online You can redeem your points, miles, or cash back rewards online.

  • Redeem on Other Airlines Rewards can be redeemed for airline travel on other airlines.

  • Redeem for Car Rental Rewards can be redeemed for car rental.

  • Redeem for Cash Back Rewards can be redeemed as cash back or statement credit.

  • Redeem for Gift Cards Rewards can be redeemed for gift cards.

  • Redeem for Hotel Rewards can be redeemed for hotel stays.

  • Redeem for Merchandise Rewards can be redeemed for merchandise.

  • Apply By Phone You can complete the credit card application process via phone.

  • Apply Online You can complete the entire credit card application process online.

  • Instant Approval You can get instant approval for the credit card.

  • Apply In Person You can apply for the credit card live in person.

  • Transfer from Credit Cards You can transfer a balance from another credit card.

  • Transfer from Loans You can transfer a balance from a loan to the credit card.

  • Introductory Balance Transfer Rate (APR) The credit card offers an introductory balance transfer rate (APR).

  • No Introductory Balance Transfer Fee The credit card doesn't charge a percentage fee on the new balance transferred to the card.

  • Car Rental Insurance The credit card offers car rental insurance.

  • Extended Warranty The credit card offers an extended warranty on purchases.

  • Lost Luggage Insurance The credit card offers lost luggage insurance.

  • Roadside Assistance The credit card offers roadside assistance.

  • Travel Insurance The credit card offers travel insurance.

  • Flight Insurance The credit card offers flight insurance.

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