by Daniel | Last Updated November 8th, 2021
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If you’re looking for a way to save money on Disney Cruises, at Disneyland, or at Disney World, then the Disney Visa Card might be of interest to you.
In this article, I’m going to review both Disney Visa Cards. I’ll go over what the cards offer in terms of benefits and user perks, and then I’ll decide if the cards are worth it.
So let’s take a more detailed look at each card and see what differences there are and which one offers the most value.
Who Are These Cards Good For?
Both of these cards are specifically designed for people who are interested in getting as much value from booking a Disney vacation whether it be a Disney Cruise, visiting Disney land or Disney world, or when buying products from the Disney store.
Each card gives you the ability to earn Disney reward dollars and save up to 10% on Disney shopping and Disney Vacations.
Another nice option with both of these cards is that you get a choice of 11 different card designs to choose from.
APR
As for the APR on these cards, they both have an intro APR of 0% for the first 6 months on select Disney vacation packages from the date of purchase and after this, they both have a variable APR of 15.99%.
Annual Fee
Starting with the annual fee of these cards, the Disney Visa Card has no annual fee and the Disney Premier Visa Card is just $49 per year.
So both cards are low-cost credit cards, but now let’s take a look at what each card offers in terms of a sign-up bonus.
Sign-up Bonus
So starting with the Disney Visa Card you will earn a $150 statement credit after you spend $500 within the first 3 months of card ownership.
Next up, with the Disney Premier Visa Card, you can earn a $300 statement credit after you spend $1,000 within the first 3 months of card ownership.
So, assuming you are able to spend $1,000 in the first 3 months, the Premier card already offers quite a lot more value than the standard card.
Earning Disney Reward Dollars
Now both of these cards offer a pretty straightforward way to earn Disney Reward Dollars just by using the card for everyday purchases.
Starting with the Disney Visa card you can earn 1% back in Disney Reward Dollars on all purchases with no limit to how much you can earn.
With the Disney Premier Visa Card, you have the opportunity to earn 2% back in Disney Reward Dollars on purchases from grocery stores, restaurants, gas stations, and most Disney locations.
And all other purchases will give you 1% back.
So again the Premier card offers more value than the standard card for not a lot more cost.
Benefits and User Perks
So from here let’s look at the benefits and user perks that are offered with each card.
Starting with the Disney Visa card you will receive 10% off select merchandise purchases of $50 or more at select Disneyland, Walt Disney World Resorts, and aboard Disney Cruise Lines.
Next up you will get 15% off any non-discounted prices on select guided tours at Disneyland and Walt Disney World resorts when you use the card to pay.
You will also get 10% off select dining locations most days at Disneyland and Walt Disney World Resorts when using the card to pay.
Certain purchases from the Disney Store and at shopdisney.com will get 10% off when using the card to pay.
As a Disney Cardmember, you will get exclusive access to cardmember events that are held at Disney Stores.
You will also have the opportunity to receive special photos at private cardmember locations at both Disneyland and Walt Disney World resort, and these photos will be digitally enhanced with different Disney or Star Wars characters that appear to be right next to you.
And finally, you will get a free 12-month DashPass which gives you a $0 delivery fee and reduced services fees on orders that are over $12.
And this usually costs $9.99 per month, so just this benefit is worth almost $120.
Now with the Disney Premier Visa Card, you will get all of the same benefits as the other card, but you will also get an airline statement credit.
And with this, you will be able to use your Disney Reward Dollars to redeem for airline tickets purchases that are made with the card.
Just note that there is a 50 Disney Reward dollar minimum, and this will give you a $50 USD airline statement credit.
Insurance-Related Benefits
Now when it comes to insurance-related benefits, both of these cards offer the same perks.
So first of all you will get baggage delay insurance which will give you $100 per day for up to 3 days if your luggage is delayed for more than 6 hours by the passenger carrier.
And this is to cover essential purchases such as toiletries and clothing.
You will also get extended warranty protection that gives you one additional year on US manufacturers warranties that are 3 years or less.
And finally, you get credit card purchase protection that covers new purchases for up to 120 days against theft or damage and offers up to $500 per claim and $50,000 per account.
Final Thoughts
So what are my thoughts about each of these cards?
I think if you have a fascination with Disneyland and really want a Disney inspired Credit card, then the Disney Premier Visa Card is the best choice out of these two cards, even though it has a $49 annual fee versus no annual fee, it offers more in the way of statement credits with the signup bonus and it offers twice as much with the 2% back in Disney Reward Dollars.
Another card that I think is better value than both of these cards is the Chase Freedom Flex Card, it doesn’t have an annual fee, it has some amazing cash back offers, it also has more insurance-related benefits and a more varied set of perks and user benefits.
And if you’re interested, you can learn more about the Chase Freedom Flex Card here.