Disney Premier Visa

The Disney Premier Visa is a middle-tier option for Disney fans who want more than the base card without committing to a large fee. For $49 a year it earns 5% on Disney+, Hulu, and ESPN+, plus 2% at most U.S. Disney locations and on gas, groceries, and dining, with 1% on everything else. The welcome offer of a $200 Disney eGift Card on approval plus a $100 statement credit after spending $500 in 3 months covers the first several years of fees on its own. The tradeoff is that there are no statement credits to offset the ongoing fee, so you need steady streaming and everyday category spending to come out ahead, and it charges a foreign transaction fee, which makes it a poor travel companion abroad. The park perks, including 10% off select merchandise and dining, 15% off select guided tours, and cardmember photo locations, add value mainly for frequent Disneyland or Walt Disney World visitors.