The Official Disney Credit Cards Are NOT the Best Option for Disney Lovers – Use These Cards Instead
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Chase offers two official Disney credit cards. But the majority of you Disney-lover readers are better off with cards that are NOT Disney. I suggest:
The cards above expand your cash back and rewards capabilities and pair well with folks who vacation at Disney. Here’s why.
These Cards are Better Alternatives to the Chase Disney Cards
The Chase Disney Visa and Chase Disney Premier Visa both offer similar reward structures.
The Chase Disney Visa comes with:
- $100 statement credit after making your first purchase
- 10% savings at select stores within Disney locations
- 1% back in Disney Rewards Dollars on all purchases
- No annual fee
The Chase Disney Premier Visa offers:
- $250 statement credit after spending $500
- 10% savings at select stores within Disney locations
- 2% back for gas, groceries, dining, and select Disney locations
- $49 annual fee
The 10% discount is only valid at Disney store and Disney Baby Store retail locations in the US, or for online orders at shopDisney.com.
You can redeem Disney Rewards Dollars at many Disney locations and even at AMC Theaters towards Disney movie tickets. You can also redeem Disney Rewards Dollars toward airfare!
Honestly, these are some decent rewards for folks who find themselves at Disney locations. But we recommend using some better alternatives to earn more flexible rewards.
Capital One Savor Cash Rewards Card
The Capital One Savor Cash Rewards Credit Card is a clutch alternative to the Chase Disney Premier Card.
With the Capital One Savor, you’ll earn $300 cash back after spending $3,000 on purchases within the first 3 months of account opening.
This card earns 4% cash back on entertainment, dining purchases and popular streaming services, 3% back at grocery stores (excluding superstores like Walmart and Target), and 1% on all other purchases! This is perfect for folks looking to spend heavily within Disney and other amusement parks since most purchases will categorize as entertainment and dining!
The information for the Capital One Savor Cash Rewards card has been collected independently by Million Mile Secrets. The card details on this page have not been reviewed or provided by the card issuer.
The real advantage the Capital One Savor has over the Disney Premier Visa is the ability to redeem cash back in any increment. There is no minimum amount. This is different from Disney credit cards, where you must have a minimum 20 Disney Dollars to open a Disney Redemption Card, and a minimum of 10 Disney Dollars to reload the card.
The card comes with a $95 annual fee. Admittedly, the annual fee is roughly double the Disney Premier Visa Card. But it’s worth it because of all the extra value.
The year long value this card has over the short term value of both Disney cards makes the Capital One Savor shine.
Chase Sapphire Preferred
Apply Here: Chase Sapphire Preferred Card
The Chase Sapphire Preferred Card is the perfect card for beginners in this hobby and for folks looking to offset an expensive Disney vacation.
You’ll earn 60,000 amazing Chase Ultimate Rewards points when you spend $4,000 on purchases within the first 3 months of opening the account. That can be worth:
- $750 worth of travel when redeemed through the Chase Travel Portal (points have a fixed value of 1.25 cents)
- Potentially $1,000+ worth of travel using Chase Transfer Partners
- $600 cash back (points are worth at least 1 cent)
You’ll earn 2 points per $1 on restaurant and travel purchases and 1 point per $1 on all other purchases, similar to the Disney Premier Visa.
You’ll also get additional perks like Primary Rental Car Insurance and Trip Delay Insurance (both key perks for folks flying to Disney and renting a car for travel).
The card has a $95 annual fee.
Here are some examples of ways to use those 60,000 Chase Ultimate Rewards points towards a trip to Disney:
- Book Hyatt Regency Grand Cypress (one of the BEST Disney hotels) starting at 15,000 points a night
- Transfer to several airlines for award flights
- Use the Chase Travel Portal to book flights, hotels, and car rentals
The Chase Sapphire Preferred Card is a great alternative to the Chase Disney Cards for folks looking to DRASTICALLY reduce the price tag on an expensive Disney vacation.
The Chase Disney Visa and the Chase Disney Premier Visa both have decent welcome bonuses, earning structures, and fair annual fees. But most folks who visit Disney are better off with these alternative credit cards:
These cards offer better long-term value and can even offset your expensive Disney vacation with valuable welcome bonuses!
What’s your favorite alternative to the Chase Disney branded credit cards?
The information for the Disney Premier Visa Card and Disney Visa Card has been collected independently by Million Mile Secrets. The card details on this page have not been reviewed or provided by the card issuer.
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Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)