The Disney® Premier Visa® Card from Chase offers a variety of rewards and benefits for cardholders. New cardmembers can earn a $300 statement credit after spending $1,000 on purchases in the first three months from account opening. The card provides 5% in Disney Rewards Dollars on purchases made directly at DisneyPlus, Hulu, or ESPNPlus, 2% on select card purchases, and 1% on all other card purchases. Cardholders can enjoy 10% savings on shopping, special Disney vacation financing with a 0% promotional APR for the first six months on select packages, and additional perks like redeeming rewards for airline statement credits. The card has an annual fee of $49, with variable APRs ranging from 19.24% to 28.24%.
Features
- $300 Statement Credit for New Cardmembers. Earn a $300 statement credit after spending $1,000 on purchases in the first three months from account opening.
- Disney Rewards Dollars. Earn 5% in Disney Rewards Dollars on purchases made directly at DisneyPlus, Hulu, or ESPNPlus, 2% on select card purchases such as gas stations, grocery stores, and restaurants, and 1% on all other purchases.
- 10% Shopping Savings. Save 10% on select purchases at DisneyStore and at select locations within Disneyland® Resort and Walt Disney World® Resort.
- Special Disney Vacation Financing. Enjoy a 0% promotional APR for the first six months on select Disney vacation packages from the date of purchase.
Pros and Cons
Pros
Redeem Rewards for Airline Statement Credits. Use Disney Rewards Dollars to receive statement credits for airline purchases made directly with the airline.
Partnership Benefit with Disney Bundle. Earn back $14.99 per month for up to three consecutive months in statement credits on qualifying Disney Bundle subscription purchases.
No Minimum Interest Charge. There is no minimum interest charge, which can be beneficial for those who carry a small balance.
Cons
High Variable APR. With variable APRs ranging from 19.24% to 28.24%, carrying a balance can lead to significant interest charges.
Foreign Transaction Fees. The card charges a 3% foreign transaction fee, making it less ideal for international travel compared to other cards with no foreign transaction fees.
Penalty APR. The penalty APR can be as high as 29.99%, which could apply indefinitely if a payment is missed or returned, leading to potentially high costs.
How to Apply for a Disney® Premier Visa® Credit Card
Online
Explore Credit Card Options. Browse through the available credit card options to find the Disney® Premier Visa® Credit Card. Click on the card to access more details.
Review Card Details. Take your time to review the features, benefits, and terms of the Disney® Premier Visa® Credit Card to ensure it meets your needs.
Initiate Application. Look for the "Apply Now" button to start the application process. Click on it to proceed.
Fill Out Application Form. Complete the online application form with accurate personal, financial, and contact information as required. Ensure all fields are filled correctly.
Submit Application. After filling out the form, review the information provided to avoid any errors. Once satisfied, submit your application.
Wait for Approval. After submission, the bank will review your application. You may receive an instant decision or have to wait a few days for a response.
Receive Card. If approved, your Disney® Premier Visa® Credit Card will be mailed to the address provided during the application process.
Mobile App
Log In or Register. Open the Chase mobile app and log in to your existing online banking account. If you're a new user, you may need to register for mobile banking by providing your account details and creating login credentials.
Navigate to Credit Cards. Once logged in, navigate to the section of the app dedicated to credit cards or banking products. This may be accessible from the main menu or homepage.
Find Disney® Premier Visa® Credit Card. Look for the Disney® Premier Visa® Credit Card among the available options. Tap on the card to view more details.
Start Application. Locate the option to apply for the Disney® Premier Visa® Credit Card within the app. It may be labeled as "Apply Now" or something similar. Tap on it to initiate the application process.
Complete Application Form. Fill out the application form provided in the app with accurate information, including personal, financial, and contact details. Double-check for accuracy before proceeding.
Submit Application. After completing the form, review the information provided to ensure accuracy. Once verified, submit your application through the mobile app.
Wait for Response. The bank will review your application. Depending on their process, you may receive an instant decision or have to wait for a few days to receive a response.
Receive Confirmation. If approved, you'll receive confirmation within the app or via email. Your Disney® Premier Visa® Credit Card will be mailed to the address provided during the application process.
Branch Application
Research and Preparation. Begin by researching the various credit cards offered by Chase to determine which best suits your needs and preferences. Consider factors such as rewards, interest rates, annual fees, and benefits.
Gather Necessary Documents. Collect all required documents, such as a valid photo ID (e.g., driver's license or passport), Social Security number, proof of income (e.g., pay stubs or tax returns), and any other relevant financial information.
Visit a Chase Branch. Locate the nearest Chase branch by using the Chase website or mobile app. Plan your visit during the branch’s operating hours.
Meet with a Chase Representative. Once at the branch, request to speak with a representative about applying for a credit card. The representative will guide you through the process, answer any questions, and provide you with the necessary forms.
Complete the Application Form. Fill out the application form provided by the representative. Ensure all information is accurate, including personal details, employment information, and financial data.
Submit Your Application. After completing the form, submit it to the representative along with your supporting documents. The representative will review your application for completeness and accuracy.
Wait for Approval. The representative will submit your application for processing. Approval times can vary; in some cases, you may receive an instant decision, while others may require further review. You will be notified of the decision by mail or email.
Receive Your Card. If approved, your new credit card will be mailed to you. Upon receiving your card, follow the instructions to activate it and begin using it to earn rewards and manage your finances effectively.
Infographic
Eligibility Requirements
No Existing Disney® Premier Visa® Card. You must not currently have a Disney® Premier Visa® Card and have not received a new Cardmember bonus for this card in the past 24 months.
Age Requirement. Applicants must be at least 18 years old (19 in Alabama and Nebraska, 21 in Puerto Rico).
U.S. Residency. You must have a valid permanent home address within the 50 United States, the District of Columbia, Guam, Puerto Rico, or the U.S. Virgin Islands, or have a United States military address.
Creditworthiness. Approval is subject to a review of your credit report and the information provided in your application.
Income Verification. You may need to provide employment and income information for credit evaluation purposes.
Credit Report Authorization. By applying, you authorize the issuer to obtain credit bureau reports and other information about your accounts and credit history.
Marital Status in Community Property States. Married applicants in community property states like Wisconsin must provide the name and address of their spouse.
Reasons You May Be Denied a Card
Insufficient Credit History. If you have a limited credit history or no credit history at all, the issuer may be unable to assess your creditworthiness, which could result in a denial of your credit card application.
Low Credit Score. A low credit score, often indicative of past financial difficulties or missed payments, may lead to a denial of your credit card application. Credit scores below a certain threshold may be considered risky by the issuer.
High Debt-to-Income Ratio. If you have a high debt-to-income ratio, meaning you have significant outstanding debt relative to your income, the issuer may view you as a higher credit risk and deny your application.
Recent Bankruptcy. If you have filed for bankruptcy recently, you may be denied a credit card as it indicates financial instability and an increased risk for the issuer.
Delinquent Accounts. If you have a history of late payments, defaults, or delinquent accounts on your credit report, it may signal to the issuer that you are not financially responsible and may lead to a denial of your application.
Multiple Recent Credit Applications. Applying for multiple credit cards or loans within a short period, especially if accompanied by rejections, may raise concerns for the issuer about your financial stability and lead to a denial.
How to Pay Off Credit Card Debt
Access Your Account. Sign in to your Chase online banking account or mobile app to access your credit card information.
Review Your Balance. Take a moment to examine your outstanding balance, including any accumulated interest or fees.
Choose a Payment Method. Determine how you wish to proceed with your payment. Chase provides several convenient options, such as online banking, mobile banking, in-person at a financial center or ATM, by phone, or through the mail.
Online Payment. If you opt for online payment, log in to your account, proceed to the bill pay section, and follow the prompts to initiate a payment. You can select to pay the minimum amount due, the full balance, or a customized amount.
Mobile Payment. Alternatively, you can utilize the Chase mobile banking app to complete a payment. Choose your Disney® Premier Visa® Credit Card account and follow the prompts to finalize the payment process.
In-Person Payment. For those preferring in-person transactions, visit a Chase financial center or ATM. You can make a payment using cash, a check, or your debit card at the ATM, or seek assistance from a representative at the financial center.
Phone Payment. To make a payment over the phone, dial the Chase customer service number and follow the automated instructions to navigate to the payment section. From there, you can complete the payment using your checking account or debit card.
Mail Payment. Lastly, if mailing your payment suits your preference, utilize the payment address provided on your billing statement. Ensure to include your Disney® Premier Visa® Credit Card account number on the check or money order and allow adequate time for delivery.
Confirm Payment. Following your payment submission, verify that it has been successfully processed. You can check your account balance online or via the mobile app to confirm the payment's application to your Disney® Premier Visa® Credit Card debt.
Editorial Opinion
In evaluating the Disney® Premier Visa® Card, it is important to consider how its benefits align with your spending habits and financial goals. The card offers substantial rewards for Disney-related purchases and services, which can be advantageous for frequent Disney consumers. However, the annual fee and the variable APR should be weighed against the potential rewards and savings. As with any credit card, understanding the terms and conditions, including fees and interest rates, is crucial to maximize the card's benefits and avoid unnecessary costs.
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