Disney Premier Visa Review

Who is the Disney Premier Visa card for?

The Disney Premier Visa is an excellent card for anyone who loves Disney. This card offers a variety of Disney vacations, parks, and purchasing rewards. 

Cardholders are able to earn 2% in Disney Rewards Dollars on any purchases made at grocery stores, restaurants, gas stations, and various Disney locations. 

Card owners also receive a $200 statement credit after spending $500 on purchases within the first 90 days of opening their account. After earning points through these different ways, it becomes easy for cardholders to redeem their rewards for a statement credit that will apply toward airline travel.

Another perk of owning this card is for the first 6 months, there is a 0% intro APR period on Disney vacation financing. This makes the Disney Premier a solid choice card for any families looking to plan a vacation within the next 6 months.

This card also provides a variety of travel security features, making it a safe card to use for family vacations.

Welcome Bonus

For people looking to maximize their benefits early on since opening their account, this card offers a generous welcome bonus. If cardholders spend $500 within the first three months of opening their account, they receive a $200 statement credit. 

This bonus already offsets the annual fee of $49 for the next four years. The additional rewards and savings earned from using this card further the value of this card, resulting in the card paying for itself.

Fees

This card requires a low annual fee of $49. In addition, there are both balance transfer and foreign transaction fees of 3% each. While these fees may turn potential cardholders away, the rewards and bonuses they will receive offset the fees expected. However, if you are looking to travel often at non-Disney related places, other travel cards may serve a better purpose to your needs.

Intro APR

Cardholders have an intro APR of 0% for select Disney vacation packages for the first 6 months. This is a perfect feature for families who want to minimize the cost of their next big vacation since it ensures they will not have to pay interest for financing this Disney trip.

After this intro period, the APR for both purchases and balance transfers becomes 15.99% variable, depending on the cardholder’s creditworthiness. This is a relatively low-interest rate, making it a useful addition to any cardholder’s wallet.

Disney Vacation Benefits

For many families, planning large vacations is an unaffordable cost. Owning the Disney Premier Visa card helps many of these families afford these large-expense trips. One feature this card provides is 10% off of purchases that are $50 or more at Disney parks or the Disney cruise.

Another way this card lets you cut down your fees is it provides 10% off restaurants and dining locations at most Disneyland and Walt Disney World Resorts. After a long day at one of the Disney parks, you are bound to purchase food for your children at some point. This makes it easy to save on overpriced food, while still keeping your children happy. It’s a win for the whole family.

When using your card to make purchases at the park, you can also save up to 15% on select guided tours. To get the full Disney experience, cardholders should consider this option, and maximize the value of their card by saving on this additional cost.

A cardholder exclusive opportunity is to take photos with Disney and Star Wars characters. These photoshoots are held at cardholder exclusive locations at the Disney parks and are downloadable for free.

Disney Shopping Benefits

At both the Disney store and ShopDisney.com, cardholders can receive up to 10% off on purchases. This shows that the card can help users save even at home, making it valuable for Disney fans.

There are also a variety of events at the Disney store that are exclusive to cardholders. This feature is extremely enticing since discounts can be accessible to anyone, but owning this card permits you to attend events you would not otherwise be allowed to go to.

Airline Credit

As previously mentioned, cardholders earn 2% in Disney Rewards Dollars on select purchases when using their Disney Premier card, and 1% on all other purchases. In order to maximize the value they receive from these rewards, it is important to consider redeeming these points for an airline travel statement credit.

Besides travel, these points can also be redeemed towards anything Disney and most of the Disney locations, making the rewards you receive very beneficial for most things vacation related.

Security Features

For families planning a vacation with little ones, protection is a crucial feature. One component of the card that makes travelers rest assured that their trip will go smoothly is the Baggage Delay Insurance. If your bags are delayed over 6 hours or lost, the cardholder can earn up to $100 a day for up to 3 days.

There is also a credit card purchase protection feature. If you purchase an item and it is damaged or stolen within the first 120 days of the purchase, the cardholder can receive $500 per claim and up to $50,000 per account.

Finally, the card offers extended warranty protection. Most manufacturers provide a limited period of the warranty before any damages are expected to be covered in full by the buyer. Cardholders will be able to enjoy the benefit of an extra year of warranty for any eligible warranties of up to three years.

Conclusion

Ultimately, this card is a great choice for any parents of little kids looking to spend a lot of their time and money on Disney related items or trips. However, be careful that there is a foreign transaction fee and annual fee, making it not ideal for fee-averse individuals. It is also important to note, though, that the welcome bonus paired with the other rewards offsets the fees you are required to pay, making it still a very cost-efficient card.

The way to maximize the benefits you receive from this card is to plan a Disney trip within the first 6 months of opening your account to eliminate interest fees. Additionally, cardholders should travel to different Disney locations often, and make purchases either online or in-person at the Disney store.