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Disney Premier Visa Review

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.

The information related to Disney® Premier Visa® Card has been collected by MagnifyMoney and has not been reviewed or provided by the issuer of this card prior to publication.

If movies such as “The Lion King” and “Beauty and the Beast” are among your go-to options for family movie night, and your vacation of preference is visiting Disney World or Disneyland, then the Disney® Premier Visa® Card might be the right credit card for your wallet.

The card is issued by Chase Bank, and is available with a variety of popular characters from Disney movies and Disney-owned properties. Choices include Mickey Mouse (available solo in his sorcerer’s robe from “Fantasia” and alongside his famous pals, Donald Duck and Goofy), Yoda from “Star Wars” and Elsa from “Frozen.”

Its rewards rate is just OK: Earn 2% in Disney Rewards Dollars on card purchases at gas stations, grocery stores, restaurants and most Disney locations. Earn 1% on all your other card purchases But there are perks that might still make this card worth it for hardcore Disney fans.

If you’ve been approved for five personal credit cards with any issuer within the past 24 months, you are likely to be turned down if you apply for this or any other Chase card due to the Chase 5/24 rule. You’ll have to look at your credit history and tally up how many credit cards you’ve been approved for within the past 24 months.

For a full breakdown of what this card offers, read on. But if you’re looking for a cashback card that rewards you a higher cashback rate on all purchases, you may want to take a look at the Citi® Double Cash Card – 18 month BT offer instead.

Where the Disney® Premier Visa® Card stands out

Disney Perks

If Disney vacations and Disney store shopping are a regular part of your life, here’s how this card can help:

  • 10% off select merchandise purchases of $50 or more at select locations at Disney World and Disneyland.
  • 10% off select dining locations most days at Disney World and Disneyland.
  • 15% off the non-discounted price of select guided tours at Disney World and Disneyland.
  • Get exclusive photo opportunities at private cardmember locations at Disney World and Disneyland.
  • 10% off select purchases at Disney store and shopDisney.com.
  • Get access to exclusive cardmember events at Disney store.

Terms may apply.

Statement Credit

Earn a $200 Statement Credit after you spend $500 on purchases in the first 3 months from account opening with a new Disney Premier Visa Card. You’re eligible for this if you don’t already have this card and haven’t received a new cardmember bonus for this card in the past 24 months.

Redeem for Air Travel

When you purchase airline tickets on any airline using your Disney® Premier Visa® Card, you can redeem your Disney Rewards Dollars for a statement credit to cover the tickets. Each Disney Rewards Dollar is worth $1. The minimum amount to redeem this way is $50 in rewards.

Additional Disney® Premier Visa® Card benefits

Disney Rewards Dollars

Earn 2% in Disney Rewards Dollars on card purchases at gas stations, grocery stores, restaurants and most Disney locations. Earn 1% on all your other card purchases The rewards rate isn’t bad, and you can redeem Disney Rewards Dollars toward Disney and Star Wars purchases at most Disney locations — some examples being theme park tickets, resort stays, shopping and dining. Every Disney Rewards Dollar is worth $1 when redeeming toward eligible Disney goods and services.

The issue with these rewards is that before you can use them, in most cases you’ll have to put them on a separate Disney Rewards Redemption Card. You can order one of these as soon as you have earned 20 Disney Reward Dollars. And anytime you want to transfer rewards to the redemption card, you must have a minimum of 10 Disney Rewards Dollars to transfer.

Special Vacation Financing

Get 0% promotional APR for six months on select Disney vacation packages from the date of purchase. After the promo period, the APR increases to 17.99% Variable.

Travel and Purchase Perks

This card comes with:

  • Baggage delay insurance
  • Purchase protection
  • Extended warranty protection

Where the Disney® Premier Visa® Card falls short

Redemption Process

As we outlined above, you have to transfer Disney Rewards Dollars to a separate redemption card before you can use them for most of what they’re eligible for. (Redeeming toward air travel is a situation where you don’t have to put them on the redemption card first.)

In a world where other credit cards will let you redeem rewards as statement credits and bank account deposits, or apply them toward online shopping, having to take the extra step of putting your rewards on a separate card can be a deterrent to use the Disney® Premier Visa® Card.

Annual Fee

There’s an annual fee of $49.00* on this card. While some cards charge higher annual fees, it’s still disappointing — you can get cards with no annual fee that have rewards rates just as good as what the Disney® Premier Visa® Card offers. What you won’t get on other cards is the Disney-specific perks, so you have to decide if those are worth the fee.

Compare it with the Citi® Double Cash Card – 18 month BT offer

The Citi® Double Cash Card – 18 month BT offer sets the standard for flat-rate cashback cards. If you’re not a hardcore Disney fan, chances are you’ll get more value out of the Citi card. You might prefer the Citi card even if you are a Disney fan, but prefer a simpler rewards experience.

 Disney® Premier Visa® CardCiti® Double Cash Card – 18 month BT offer
Annual Fee$49.00*$0
Regular Purchase APR17.99% Variable15.99%– 25.99% (Variable)
RewardsEarn 2% in Disney Rewards Dollars on card purchases at gas stations, grocery stores, restaurants and most Disney locations. Earn 1% on all your other card purchasesEarn 2% cash back on purchases: 1% when you buy plus 1% as you pay.
Sign-Up BonusEarn a $200 Statement Credit after you spend $500 on purchases in the first 3 months from account opening with a new Disney Premier Visa Card.No bonus
Foreign Transaction Fee3% of the amount of each transaction in U.S. dollars.3%

Both cards charge foreign transaction fees, so they’re best to leave at home if you’re traveling outside the United States.

The bottom line

The Disney® Premier Visa® Card could offer value to Disney fans who frequent Disney World or Disnleyland, who value the opportunity for photos with Disney and Star Wars characters, and who purchase enough Disney merchandise so that the card’s discounts add up.

There’s also a nice option to redeem rewards for travel in a straightforward fashion — purchase your airline tickets on this card, then redeem your rewards for a statement credit.

That said, using your rewards for anything else requires the extra step of first transferring them to a redemption card. We’re not a fan of that extra step slowing down the redemption process.

Read: Best Rewards Credit Cards

In addition, this card charges a $49.00* annual fee. If you don’t want to pay an annual fee, a card such as the Citi® Double Cash Card – 18 month BT offer is probably a better choice. And if you are willing to pay an annual fee, you might consider paying a little more each year for a card such as the Chase Sapphire Preferred® Card, which charges $95 a year but offers significant value for the frequent traveler.

This article contains links to CompareCards, which, like MagnifyMoney, is owned by LendingTree.

Advertiser Disclosure: The products that appear on this site may be from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all financial institutions or all products offered available in the marketplace.

Glen Luke Flanagan
Glen Luke Flanagan |

Glen Luke Flanagan is a writer at MagnifyMoney. You can email Glen Luke here

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Credit Cards

Marriott Bonvoy Bold Credit Card Review

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer. This site may be compensated through a credit card issuer partnership.

The information related to the Marriott Bonvoy BoldTM credit card has been collected by MagnifyMoney and has not been reviewed or provided by the issuer of this card prior to publication.

If you want to join the ranks of Marriott Bonvoy cardholders — where you can redeem rewards points for a future Marriott hotel stay — but aren’t interested in paying an annual fee, check out the new Marriott Bonvoy BoldTM credit card.

As of July 2019, four Marriott Bonvoy cards are open for applications, two issued by Chase and two from American Express. The Marriott Bonvoy BoldTM credit card is the only one of those cards that doesn’t charge an annual fee, and its APR is 17.99% - 24.99% Variable.

Read: What are miles and points worth?

Marriott Bonvoy BoldTM credit card benefits

Earn 3X points for every $1 spent at over 6,900 participating Marriott Bonvoy™ hotels and 2X points for every $1 you spend on other travel purchases. Plus, earn 1X point for every $1 you spend on all other purchases and your points don't expire as long as you make purchases on your credit card every 24 months.

15 elite night credits per calendar year, qualifying you for Silver Elite status. Perks that come with Silver Elite status include priority late checkout and earning 10% bonus points on stays.

50,000 bonus points after you spend $2,000 on purchases within the first three months of opening your Marriott Bonvoy BoldTM credit card account. Marriott hotel categories range from 1 (7,500 points) through 8 (85,000 points) — so if you’re looking at a Category 2 hotel, 50,000 points can get you four free nights, but if you’re looking at a Category 6 hotel, that’ll buy you only one night. Take a look at the “how many points you need for a hotel room” section of this article for the full list.

It’s important to note that you won’t be eligible for the signup bonus if you meet any of the following criteria as outlined by Chase (click on the “offer details” link).

What we like about the Marriott Bonvoy BoldTM credit card

No annual fee. If you don’t travel enough to justify carrying a card with an annual fee, but you want to start earning hotel rewards points to redeem for free room nights, the Marriott Bonvoy BoldTM credit card will give you a chance to test the waters.

No foreign transaction fee. If you plan to travel abroad, you probably want a credit card that charges a $0 foreign transaction fee.

Travel and purchase perks, including:

  • Baggage delay insurance
  • Lost luggage reimbursement
  • Trip delay reimbursement
  • Purchase protection
  • Visa Concierge

What we don’t like about the Marriott Bonvoy BoldTM credit card

Half the rewards rate. This card basically earns half the points that you’d get using the Marriott Bonvoy BoundlessTM Credit Card, which allows cardholders to earn 6x points for every $1 spent at over 6,700 participating marriott bonvoy hotels and 2x points everywhere else. However, the Marriott Bonvoy BoundlessTM Credit Card also charges a $95 annual fee.

No free night. With the annual-fee Marriott Bonvoy BoundlessTM Credit Card, you get a credit for a free one-night hotel stay each year, valid for a stay at a property with a redemption value of 35,000 points or less; you don’t get that with the Marriott Bonvoy BoldTM credit card.

The information related to the Marriott Bonvoy BoundlessTM Credit Card has been collected by MagnifyMoney and has not been reviewed or provided by the issuer of this card prior to publication.

How many points do you need to book a hotel room?

If you’re hoping to cover the cost of a hotel room entirely with points, you should know that Marriott breaks its participating hotels into eight categories. Here’s how many points you need in order to cover one night at a room in each category:

  • Category 1: 7,500 points
  • Category 2: 12,500 points
  • Category 3: 17,500 points
  • Category 4: 25,000 points
  • Category 5: 35,000 points
  • Category 6: 50,000 points
  • Category 7: 60,000 points
  • Category 8: 85,000 points

Alternatives to the Marriott Bonvoy BoldTM credit card

If you want to stick with a hotel card, but Marriott’s not your preferred chain, the Hilton Honors American Express Card is a competitive choice with a $0 annual fee. Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio, 5X Hilton Honors Bonus Points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations AND 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.

Hilton Honors American Express Card

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on American Express’s secure website

Terms Apply | Rates & Fees

Hilton Honors American Express Card

Annual fee
$0
Rewards Rate
Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio, 5X Hilton Honors Bonus Points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations AND 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Regular Purchase APR
17.49%-26.49% Variable
Credit required
good-credit
Excellent/Good

The signup bonus is 75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership. You also get complimentary Hilton Honors Silver status with this card — and if you spend $20,000 on eligible purchases in a calendar year, you get the chance to upgrade to Gold through the next calendar year. As for foreign transaction fees, there are None.

However, if a general purpose travel card with no annual fee is more to your liking, the Capital One® VentureOne® Rewards Credit Card is worth considering. It offers an unlimited 1.25 Miles per dollar on every purchase, every day and, through January 2020, 10X miles per $1 spent when you book a hotel through hotels.com. There’s also a One-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of account opening, equal to $200 in travel for this card, plus no foreign transaction fee.

Capital One® VentureOne® Rewards Credit Card

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on Capital One’s website

Capital One® VentureOne® Rewards Credit Card

Annual fee
$0
Rewards Rate
1.25 Miles per dollar on every purchase, every day
Regular Purchase APR
14.24% - 24.24% (Variable)
Credit required
good-credit
Excellent/Good

The bottom line

The Marriott Bonvoy BoldTM credit card is a decent option if you want to test out a hotel rewards card without committing to an annual fee. It offers a chance for folks who wouldn’t otherwise apply for a Marriott Bonvoy card to see if the program is worth their time.

However, if you’re not set on a Marriott Bonvoy card, the Capital One® VentureOne® Rewards Credit Card and the Hilton Honors American Express Card are two very competitive no-fee cards worth considering. If you’re committed to the Marriott rewards program, for $95 a year, the Marriott Bonvoy BoundlessTM Credit Card offers more robust earnings than its no-fee sibling.

Still undecided? Take a look at our list of best travel credit cards and see what additional options are available.

Advertiser Disclosure: The products that appear on this site may be from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all financial institutions or all products offered available in the marketplace.

Glen Luke Flanagan
Glen Luke Flanagan |

Glen Luke Flanagan is a writer at MagnifyMoney. You can email Glen Luke here

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Credit Cards

Chase Freedom Student Credit Card Review

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer. This site may be compensated through a credit card issuer partnership.

The information related to Chase Freedom® Student credit card has been collected by MagnifyMoney and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to Chase credit card offers. See chase.com for more information.

Want to build your credit while you’re a student in college? It’s smart to start building your credit history early, and the Chase Freedom® Student credit card can give you the opportunity to do that while also letting you earn a flat rewards rate on most purchases.

The card’s annual fee is $0, and at 16.99% variable APR, the APR is lower than some competing student credit cards. On top of that, you get a chance to earn $20 each year for five years for keeping your account in good standing.

Take a look at our review below to see if this card might be the right one to help you start your credit journey.

What we like about the Chase Freedom® Student credit card

Straightforward rewards. If you’re not interested in a complicated card rewards program, you’ll like the Chase Freedom® Student credit card’s rewards structure, which offers 1% cash back on purchases (with a few exceptions, like money orders and lottery tickets). It should be noted that cash back is tracked as cash back rewards points, with $1 being worth 100 points. Points can go toward statement credits, direct deposits, Amazon.com shopping, gift cards and certificates, and booking travel via Chase Ultimate Rewards.

Good Standing Rewards. For the first five years of your account, if your account remains open and not in default, you can earn 2,000 points after your account anniversary as a good standing reward. This comes out to a $20 value.

Signup bonus. The Chase Freedom® Student credit card offers the chance to earn a $50 sign-up bonus after making their first purchase on the card within the first three months

No annual fee. We always like when you can earn rewards on a card with a $0 annual fee. This is especially true for credit cards aimed at college students, who are often on a tight budget.

Credit limit increase. After making five monthly payments on time within 10 months of opening your account, you may be eligible to be approved for a higher credit limit.

Free credit score. This card comes with access to Chase Credit Journey, which lets you check your credit score at no cost.

Competitive interest rate. At 16.99% variable APR, this isn’t the lowest APR you’ll find on a credit card — but it’s lower than some competing credit cards aimed at students. For instance, the Discover it® Student Cash Back comes with an APR ranging from 14.99% - 23.99% Variable, and the Journey® Student Rewards from Capital One® comes with an APR of 26.96% (Variable). Still, you shouldn’t carry a balance. Interest charges can quickly increase your credit card debt. It’s better to build a habit of paying off your card in full each month.

What we don’t like about the Chase Freedom® Student credit card

There’s no 0% APR introductory period. This card starts you right at the regular 16.99% variable APR. There’s no intro period for purchases or balance transfers.

Foreign transaction fee. If you’re planning to study abroad, this might be a credit card you leave at home. If you use it outside the United States, you’ll pay a foreign transaction fee of 3% of the amount of each transaction in U.S. dollars.

No online application. Chase rolled this card out in June 2019. As of mid-July 2019, there was no option available to apply for the card online — that means having to take time to visit a physical Chase branch if you want to apply for the Chase Freedom® Student credit card.

Who the card is best for

The Chase Freedom® Student credit card is best for college students looking to build credit and earn a flat cashback rewards rate, and who don’t need a card to use outside the United States, since it does charge a foreign transaction fee for purchases made abroad.

Alternatives to the Chase Freedom® Student credit card

If you want a higher cashback rate

Discover it® Student Cash Back

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on Discover Bank’s secure website

Rates & Fees

Discover it® Student Cash Back

Annual fee
$0
Regular APR
14.99% - 23.99% Variable
Credit required
fair-credit
Fair/New to Credit

The Discover it® Student Cash Back charges a $0 annual fee and offers an excellent cashback rate — 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum each time you activate, 1% unlimited cash back on all other purchases – automatically. Discover will match ALL the cash back you’ve earned at the end of your first year, automatically. On top of that, you can get a $20 statement credit each school year that your GPA is 3.0 or higher for up to five years after opening your account. Finally, this card offers intro APR of 0% for 6 months. After that, the interest rate is 14.99% - 23.99% Variable.

Discover also offers free access to your FICO score, which is a nice benefit as you’ll be able to monitor your progress over time as you use the card responsibly.

Read our full review of the Discover it Student Cashback Card.

If you want to travel abroad

Journey® Student Rewards from Capital One®

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on Capital One’s website

Journey® Student Rewards from Capital One®

Annual fee
$0
Rewards Rate
1% Cash Back on all purchases; 0.25% Cash Back bonus on the cash back you earn each month you pay on time
Regular Purchase APR
26.96% (Variable)
Credit required
fair-credit
Average/Fair/Limited

The Journey® Student Rewards from Capital One® offers 1% Cash Back on all purchases; 0.25% Cash Back bonus on the cash back you earn each month you pay on time — that comes out to a higher flat rate than the Chase Freedom® Student credit card. As far as a foreign transaction fee, there is None. The annual fee is $0 and the balance transfer fee is $0.

You can also monitor your VantageScore 3.0 credit score with CreditWise from Capital One, and you have the opportunity to get access to a higher credit line after making your first five monthly payments on time.

However, it also an APR of 26.96% (Variable), so you definitely want to avoid carrying a balance.

Read our full review of the Journey® Student Rewards from Capital One®.

The bottom line

The Chase Freedom® Student credit card offers a chance to earn rewards points with a straightforward, flat rate on most of your purchases. It also has a more attractive APR than some competing student credit cards, in the event that you might need to carry a balance. Finally, the chance to get a $20 annual bonus for up to five years is a nice perk.

However, if you’re willing to pay attention to rotating categories, you can earn a higher cashback rate with the Discover it® Student Cash Back — and Discover will match ALL the cash back you’ve earned at the end of your first year, automatically, and there’s a chance to earn a $20 statement credit each year for five years based on your grades.

And for students looking to travel outside the country without worrying about foreign transaction fees, the Journey® Student Rewards from Capital One® might be a better option than the Chase card.

For more student cards options, head over to our recommendations on the best student credit cards and take a look.

Advertiser Disclosure: The products that appear on this site may be from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all financial institutions or all products offered available in the marketplace.

Glen Luke Flanagan
Glen Luke Flanagan |

Glen Luke Flanagan is a writer at MagnifyMoney. You can email Glen Luke here