Disney Premier Visa Card from Chase Review

I received the card offer though mail. Since I live in Florida, nit was making much sense to apply for this card since Disney world is just 3 hours drive from our home. I haven’t applied for this card yet. There are people living here who widely use Disney Visa Premier card for their Disney World vacation.

The USP of the card offer was a $200 Disney gift card on first use of the card. This is easy money without doubt.The card offers are revamped recently. Where credit requirement is now higher because of the introduction of higher reward points and upfront bonus.

On Disney website you’ll not get this $200 offer, rather you’ll get an offer of $100 Disney gift card on Premier version of the card.

Disney Visa Premier Chase

Salient features of Disney visa premier from Chase

Rewards – 2% rewards in Disney owned store purchases, and 1% reward in all other categories.Other discounts at Disney parks, restaurants and stores, plus other perks.

APR – 3.99% introductory APR for first 12 months and then 14.25%

Fee – $49 annual fee for the Disney premier visa card, if you want to avoid annual fee, there’s a Disney Rewards Visa card, which is fee free (Reward version of the card earns you only 1% cash back).

Vacation Financing – Get Special Vacation Financing on select Disney Resort packages and Disney cruise packages for up to $10,000 subjected to credit line approval. Honestly, this is nothing bu personal loan for vacation. Which is extremely dangerous and can bring financial downfall easily if you can’t pay in full immediately.

A $10,000 loan at $14% is going to drain a lot of money every month on interest alone. This special access loan shouldn’t be a driving factor for choosing your card.

Why this card is unique for Disney fans

Be the hero to your children, by giving them access to private meet ‘n’ greet event where kids can meet their favorite Disney characters in person.

  • Also, get 10% off on select merchandise purchases of $50 or more at DisneyStore.com and Disney Store locations.
  • Receive 10% off on select merchandise purchases of $50 or more at select locations at Walt Disney World® Resort and the Disneyland® Resort.
  • 20% off the non-discounted price of select guided tours at Walt Disney World® Resort and the Disneyland® Resort

And lastly, the bonus cash of $200 (for score 750+) or $100 (for score 700+) on your first card purchase is redeemable only at Disney branded stores.

Verdict on the Disney Premier Visa Card

Pros

  • Attractive rewards and perks.
  • Fun card for family and specially young ones.
  • Relatively low APR and high rewards, compared to other offers.
  • Visa and Chase card member benefits.

Cons

  • Makes more sense for Disney fans who travel to Disney location at least once a year.
  • Annual fee of $49
  • Excellent credit needed, the offer of $200 cash bonus is by invitation only and offer is extended to very high credit score holders.

As said above, the fee free version of Disney Card (Disney Reward Visa card from Chase) makes sense when your annual purchases on this card is less than $4,900 on Gas, Grocery and eating out.

If you have multiple reward cards, like me, you may not charge all the purchases on one card. In that scenario, you may not spend $4,900 on Disney premier card making $49 annual fee hard to recover through earned rewards.In the first year your fee will be recovered through the upfront cash bonus

The fee free version offers the same Disney fan benefits as the Premier version. As a wise decision maker, consider your options and try to maximize your money.

We give a rating of “Apply” if you are a die-hard Disney fan, else you can pass and concentrate on other general purpose reward cards with seasonal reward categories, where cyclical categories earn as much as 5% rewards for a particular quarter. Have a few such cards and earn 5% rewards year around.

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    8 Comments

    1. You’d have to be a pretty big Disney fan to want this, but then again, there are a lot of Disney collectors who will get it just to say they have it. I’m surprised it has an annual fee.

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    2. I don’t bother with reward cards, and probably am missing out, but I find them to be in the same category as coupons….. a pain to track and deal with!

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    3. What a very nice looking card. I guess it’s only good to acquire this card to avail of Disney discounts and privileges. The annual fee is indeed costly considering and it is not practical going there frequently for at least once a year. There are also other interesting vacation destinations.

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    4. If only the card had points that you could redeem for Disney visits. This and no annual fee and I’d be looking at this card as a way to help get a family vacation off the ground.

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