Disney® Premier Visa® Card

Quick Snapshot

• Annual Fee: $49
• APR: 20.49%-27.49% variable
• Rewards: 2% in Disney Rewards Dollars at gas stations and grocery stores, 1% on all other purchases
• Bonus: $100 statement credit after first purchase
• Best For: Dedicated Disney fans who want accelerated earning at gas and grocery plus premium Disney perks
• Credit Needed: Good to Excellent (670+)

Overview

The Disney Premier Visa Card is the upgraded version of the standard Disney Visa Card, offering enhanced earning rates and additional Disney perks for a $49 annual fee. It earns 2% in Disney Rewards Dollars at gas stations and grocery stores and 1% on all other purchases, giving families higher returns in two of the most common everyday spending categories.

The Premier card includes all the perks of the standard Disney card plus 10% off select Disney merchandise at Disney parks and shopDisney.com, making it particularly valuable for families who shop for Disney products regularly. The $100 statement credit after first purchase doubles the standard card's welcome offer, helping offset the annual fee in the first year and then some.

For households that spend significantly on gas and groceries and are committed Disney fans who visit parks, buy merchandise, and subscribe to Disney services, the Premier card delivers more value than the free version. The 2% grocery and gas rate, combined with 10% merchandise discounts and the exclusive photo opportunities and dining savings, creates a compelling Disney-focused rewards package. However, families should calculate whether the additional $49 annual fee is justified by their gas, grocery, and Disney merchandise spending compared to the free alternative.

APR Breakdown

• Purchase APR: 20.49%-27.49% variable
• Balance Transfer APR: 20.49%-27.49% variable
• Cash Advance APR: 29.99% variable
• Penalty APR: Up to 29.99% variable

Note: Your APR will vary with the market based on the Prime Rate. A 0% intro APR may apply for an introductory period on select offers.

Benefits Overview

Enhanced Rewards Earning

• 2% in Disney Rewards Dollars at gas stations
• 2% in Disney Rewards Dollars at grocery stores
• 1% in Disney Rewards Dollars on all other purchases
• No cap on rewards earning
• Rewards redeemable toward Disney tickets, merchandise, dining, and Disney+

Premium Disney Perks

• 10% off select merchandise purchases at Disney parks and shopDisney.com
• Exclusive character meet-and-greet photo opportunities at Disney parks
• Savings on select dining at Disney locations
• Special card member character designs
• Special financing on Disney vacation packages

Card Benefits

• $100 statement credit after first purchase
• No foreign transaction fees on international purchases
• Zero liability protection for unauthorized charges
• Contactless payment capability

Rewards & Points

• 2% in Disney Rewards Dollars at gas stations and grocery stores
• 1% in Disney Rewards Dollars on all other purchases

Disney Rewards Dollars earned with the Premier card can be redeemed at the same Disney locations as the standard card: theme parks, Disney Cruise Line, shopDisney.com, Disney+, and more. The 10% merchandise discount stacks with the rewards earned, further increasing value on Disney purchases.

Welcome Bonus

Earn a $100 statement credit after making your first purchase with the card. No minimum spending amount is required. The credit typically appears within 1-2 billing cycles after your first purchase posts, effectively covering the first two years of the annual fee.

Fees Summary

• Annual Fee: $49
• Balance Transfer Fee: Either $5 or 5% of the amount, whichever is greater
• Cash Advance Fee: Either $10 or 5% of the amount, whichever is greater
• Foreign Transaction Fee: $0
• Late Payment Fee: Up to $40
• Returned Payment Fee: Up to $40

Who This Card Is Best For

Ideal For

• Disney park families who visit multiple times per year and shop for Disney merchandise
• Gas and grocery spenders who want 2% back on everyday categories funneled into Disney rewards
• Disney merchandise shoppers who benefit from 10% off at Disney parks and shopDisney.com
• International Disney visitors who can use the card at Disneyland Paris or Tokyo Disney with no foreign transaction fees

Not Good For

• Light Disney spenders who cannot justify the $49 fee with merchandise discounts and enhanced earning
• Cash back seekers who want flexible 2% cards without Disney-locked redemption
• Annual fee avoiders who prefer the free Disney Visa Card for basic perks

Key Pros & Cons

Pros

• 2% at gas stations and grocery stores in Disney Rewards Dollars
• $100 statement credit after first purchase covers the fee for two years
• 10% off select Disney merchandise at parks and shopDisney.com
• Exclusive character meet-and-greet photo opportunities at Disney parks
• No foreign transaction fees for international Disney parks
• Special financing available on Disney vacation packages
• Fun character card designs
• All benefits of the standard Disney Visa Card plus enhanced perks
• Zero liability protection on unauthorized charges

Cons

• $49 annual fee that must be justified through Disney-specific value
• 2% rate limited to gas and grocery; 1% on everything else is below average
• Rewards locked to Disney redemptions with no cash back option
• 1% base rate on non-grocery/gas purchases is low compared to flat-rate cards
• 10% merchandise discount only applies to select items, not everything
• No premium travel protections or purchase insurance
• Value is entirely dependent on your Disney spending habits
• General-purpose 2% cards earn more on gas and groceries without the Disney restriction

Alternatives to Consider

How the Rewards Add Up

Example Annual Value

First-year value: approximately $436 including the $100 statement credit, minus the $49 annual fee. The 10% Disney merchandise discount can add significant additional savings if you spend $500+ annually on Disney merchandise (saving $50+). Families who visit Disney parks multiple times per year gain the most value.

Should You Get This Card?

You Should Get It If...

• You visit Disney parks multiple times per year and buy merchandise
• You spend heavily on gas and groceries and want those rewards for Disney
• The 10% merchandise discount will save you more than the $49 annual fee
• You visit international Disney parks and want no foreign transaction fees
• You prefer the $100 bonus and enhanced perks over the free Disney card
• You finance Disney vacations and want access to special financing

You Should Skip It If...

• You visit Disney parks rarely and the merchandise discount goes unused
• A 2% general cash back card would earn more without the Disney restriction
• You prefer the no-annual-fee Disney Visa Card for basic Disney perks
• You want flexible rewards not locked to the Disney ecosystem
• Your gas and grocery spending is low enough that 2% does not offset the $49 fee
• You want travel protections or purchase insurance from your card

Apply Now

Apply for Disney® Premier Visa® Card

Information accurate as of May 2026. Terms and conditions apply. Please visit the issuer's website for the most current information.