Many of the credit card offers that appear on this site are from credit card issuers from which MillionMileSecrets.com receives compensation. Compensation does not impact the placement of cards on Million Mile Secrets other than in banner advertising. MillionMileSecrets.com does not include all credit card offers that might be available to consumers in the marketplace.

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! :)

The Official Disney Credit Cards Are NOT the Best Option for Disney Lovers – Use These Cards Instead

Signing up for credit cards through partner links earns us a commission. Here’s our full Advertising Policy.

The Official Disney Credit Cards Are NOT the Best Option for Disney Lovers – Use These Cards Instead

Devon O'RourkeThe Official Disney Credit Cards Are NOT the Best Option for Disney Lovers – Use These Cards InsteadMillion Mile Secrets Team

Signing up for credit cards through partner links earns us a commission. Here’s our full Advertising Policy.

Update: One or more card offers in this post are no longer available. Check our Hot Deals for the latest offers.

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.

We’ve found better alternatives to the Chase Disney cards

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

Apply Here:   Capital One® Savor® Cash Rewards Credit Card

Read our review of the Capital One® Savor® Cash Rewards Credit 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 and dining purchases, 2% back at grocery stores, 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!

Better Alternatives to The Chase Disney Cards
You’ll earn 4% back on ALL dining and entertainment purchases with the Capitol One Savor

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, but it’s waived the first year!  So you can essentially try out this card for ~11 months and cancel without paying a dime.  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

Read our review of the 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 50,000 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:

  • $625 worth of travel through the Chase Travel Portal (points have a fixed value of 1.25 cents)
  • Potentially $1,000+ worth of travel using Chase Transfer Partners
  • $500 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 annual fee is $95, waived the first year.

Better Alternatives to The Chase Disney Cards
You can use your Chase Ultimate Rewards points at the Hyatt Regency Grand Cypress Resort!

Here are some examples of ways to use those 50,000 Chase Ultimate Rewards points towards a trip to Disney:

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.

Bottom Line

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.

Capital One® Savor® Cash Rewards Credit Card

Capital One® Savor® Cash Rewards Credit Card

  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • Receive a monthly statement credit for a Postmates Unlimited monthly membership through Dec. 2019 with the Capital One Savor Card
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that

More Info

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! :)

Add comment

E-mail is already registered on the site. Please use the Login form or enter another.

You entered an incorrect username or password

Sorry that something went wrong, repeat again!