Are you mad for the Mouse? Have you watched Frozen more times than your child? Do you ever find yourself pretending like you can use the force? It's cool. You can admit it. The Magic Kingdom is just as much for adults as for children. With 20.4 million visitors to the Magic Kingdom in 2016, there's a good chance you're planning your own family trip. With tickets averaging about $1300 for a family of four, is the Disney Premier Visa the right card to help you make your next trip a little more budget friendly?
On its face, the cash back earned on the Disney Visa is a bit underwhelming. You'll earn 2% in Disney Rewards on gas, grocery, dining out, and most Disney purchases. Other categories will earn you a flat 1% cash back. Your banked Disney Rewards can be used for Disney movies, Disney Cruises, at Disney parks, at DisneyStore.com or you can also receive a statement credit towards airfare you book directly with airlines. The card also comes with a $200 bonus for new cardholders that spend $500 in their first 3 months of account opening.
When it comes to earning cash back, this card starts to shine for the real Disney fanatics. You'll earn 10% cash back on Disney Store purchases, as well as 10% cash back on qualifying dining purchases on Disney properties. If you find yourself spending at least $500 a year at the Disney Store or while dining on Disney property, the 10% cash back will offset the card's $49 annual fee.
While not cash back per se, the card also offers 6 months of 0% APR on qualifying vacation packages, which can give you a bit of breathing room as you pay off your vacation. Don't plan on taking longer than 6 months to pay off that balance though. A 16.99% variable APR will kick in after that intro period expires, and that is worse than Cruella De Vil.
Another intangible perk you'll receive is access to card member exclusive photo shoots with Disney or Star Wars characters. These are held in private locations in the park, so you don't have to deal with the crowd while you get the perfect picture of you, we mean the kiddo, exchanging light saber blows with Darth Vader.
This probably goes without saying, but Disney fanatics. Just make sure you either value those meet and greets at at least $49, or you plan on spending at least $500 on purchases that will earn you that 10% cash back rate. If you plan to travel to Disney multiple times in the next 5 years, the 0% for 6 months is also an appealing financing offer.
Pretty much anyone else. If you're interested in optimizing cash back, we recommend the Blue Cash Preferred for families of 4. The Blue Cash earns up-to 6% cash back on groceries and 3% back on gas and qualifying department stores. You can sock that cash away for your next Disney trip. For those of you flying solo, take a look at the Uber card. Don't let the Uber branding fool you. You'll earn 4% cash back on dining, 3% on hotels & airfare, 2% on online purchases and Uber, and 1% on everything else. The card doesn't have an an annual fee and you'll be able to accumulate some cash back quickly for your next Disney trip.
If you already know what the Pinterest board for Disney Decor looks like, you can probably stop reading now and apply for the card. This was made for you. The card has an interesting enough set of perks for those that call Disney their second home. For all others, a more well rounded general use cash back card is going to be a better bet.
Now watch this, while you wait for your shiny new card to show up. You're Welcome.