Capital One Venture Rewards vs. Disney Premier Visa: Flexible rewards or Disney-specific perks
Editor's Note
If you're planning a vacation in Disneyland or Walt Disney World Resort, you might want a credit card that offers flexible points you can use to book the trip. Alternatively, you might want one that offers great in-park rewards.
Rewards credit cards such as the Capital One Venture Rewards Credit Card and Disney® Premier Visa® Card (see rates and fees) are both solid options. But which makes the most sense for your wallet? And which is the better option if you're saving up for your next Disney excursion?
Let's compare the two cards and see who comes out on top.
Capital One Venture Rewards vs. Disney Premier Visa comparison
| Card details | Capital One Venture Rewards | Disney Premier Visa |
|---|---|---|
Welcome offer | Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening. | Earn a $300 statement credit after spending $1,000 on purchases in the first three months from account opening. |
Earning rates | 5 Capital One miles per dollar on hotels and rental cars booked through Capital One Travel
2 miles per dollar on all other purchases
| 5% in Disney Rewards Dollars on card purchases made directly at DisneyPlus.com, Hulu.com or ESPNPlus.com 2% in Disney Rewards Dollars on spending for gas stations, grocery stores, restaurants and most Disney locations 1% on everything else |
Annual fee | $95 | $49 |
Foreign transaction fees | None | 3% |
Other benefits |
|
|
Capital One Venture Rewards vs. Disney Premier Visa welcome offer
With the Capital One Venture Rewards, new cardholders can earn 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening.
This is worth $750 toward travel, but if you redeem through one of Capital One's airline and hotel transfer partners, you can ramp up those rewards to about 1.85 cents per mile. This welcome bonus is worth $1,388 based on TPG's January 2025 valuations.
With the Disney Premier Visa, you'll earn a straightforward bonus of a $300 statement credit after spending $1,000 on purchases in the first three months from account opening. Remember that Chase has a strict 5/24 rule covering who may be eligible for credit cards. Based on this, you may not qualify for a new Chase card with a sign-up bonus if you've opened five or more credit cards from any issuer in the past 24 months. Since the Disney Premier Visa is a Chase card, it's subject to this application restriction.
Winner: Capital One Venture Rewards. Its offer, worth $1,388 based on TPG's valuations, beats out a meager $300 statement credit despite the Disney Premier Visa's lower annual fee and spending requirement.
Capital One Venture Rewards vs. Disney Premier Visa benefits
The Capital One Venture Rewards offers Master RoadAssist® (fees apply) and concierge service, plus access to exclusive shows and events. Like many top-tier rewards cards, it also offers trip accident insurance and purchase assurance.
Another worthwhile benefit is the Global Entry/TSA PreCheck application fee credit (up to $120). Plus, you'll enjoy no foreign transaction fees, so if you're going to Disneyland Paris, this could be the card to carry.
All the perks and benefits offered with the Disney Premier Visa are Disney-centric, including access to special events at Disney resorts and retail stores and special Disney vacation financing plans. You'll also get a 10% discount on shopping and dining at select locations at Disneyland and Walt Disney World resorts, as well as on select purchases at DisneyStore.com.
Winner: Disney Premier Visa. It's a great card if you're looking to make the most of your Disney vacation, but it shouldn't be the only travel rewards card in your wallet.
Earning rewards on the Capital One Venture Rewards vs. Disney Premier Visa
The Capital One Venture Rewards offers 5 miles per dollar on hotels and rental cars booked through Capital One Travel and 2 miles on all other purchases. These earnings may not be as high as those of other travel rewards credit cards, but they're not bad for a card with a $95 annual fee.
With the Disney Premier Visa, you'll earn 5% back on card purchases made directly at DisneyPlus.com, Hulu.com or ESPNPlus.com. You'll get 2% back at gas stations, grocery stores, restaurants and for purchases at most Disney locations. You'll then earn 1% back on every other qualifying purchase. You'll get your cash back in the form of Disney Rewards Dollars.
Winner: Capital One Venture Rewards. It offers a greater return than the Disney Premier Visa for travel and everyday spending.
Redeeming rewards on the Capital One Venture Rewards vs. Disney Premier Visa
The Disney Visa is extremely limited in redemption options, while the Capital One Venture Rewards offers all the flexibility of other top-tier travel rewards cards.
With the Capital One Venture Rewards, you can get the most value from your miles by transferring them to any of Capital One's hotel and airline partners. You can also redeem your miles for travel at a flat rate of one cent per mile as a statement credit to cover travel expenses or by booking through Capital One Travel.
Alternatively, you can redeem your miles for gift cards or cash back for a lower redemption rate.
TPG director of video Ayana Morali used 40,000 Capital One miles to book a two-night stay at the Thompson in Madrid by Hyatt. These nights were blacked out on Hyatt's website, but thanks to Capital One Travel, Ayana could book her stay.
With the Disney Premier Visa, you'll receive your rewards as a Disney Rewards Redemption card. You can use your rewards for purchases at Disney stores, Disney resorts, cruise lines and on AMC Theaters movie tickets. This makes redeeming your rewards easy and straightforward since reward values don't change, but you'll never get substantial value from them.
You also have the option to redeem Disney dollars as a statement credit for purchases made directly with an airline in $50 increments. Still, this is a much more limited option for using your rewards for travel than you'll have with Venture Rewards.
Winner: Capital One Venture Rewards wins out here, too, with more flexibility and a better return.
Related: Ultimate guide to Walt Disney World Resort
Transferring rewards on the Capital One Venture Rewards vs. Disney Premier Visa
While the Disney Premier Visa offers no transfer options, the Capital One Venture Rewards allows you to maximize your miles by transferring them to any of Capital One's 15-plus airline or hotel transfer partners, including Air Canada Aeroplan, Singapore Airlines KrisFlyer and Choice Privileges.
This option can get you significantly more value from your Capital One miles, which is why Capital One miles are valued at 1.85 cents apiece by TPG.
Winner: The Venture Rewards wins again with plenty of options to transfer your rewards.
Should I get the Capital One Venture Rewards or Disney Premier Visa?
Hands down, the Capital One Venture Rewards is a better all-around travel credit card than the Disney Premier Visa since it offers much more flexibility in how you use your rewards. If you're planning a Disney vacation and want access to special events and discounts on purchases, it might pay to get the Disney Premier Visa. Otherwise, I say go for the Capital One Venture Rewards.
Bottom line
The Venture Rewards offers much more overall value for general travel, while the Disney Premier Visa is a more specialized card that's best for Disney loyalists. They're not exactly in the same lane as card offerings, but the question of which is more valuable for most consumers is clear.
Don't forget, though, that you can always get both cards to fully maximize your savings at Disney World and wherever else your travels may take you.
To learn more, see our full reviews of the Capital One Venture Rewards and the Disney Premier Visa.
Learn more: Capital One Venture Rewards
Apply here: Disney Premier Visa
Related: Why I keep the Capital One Venture Rewards card in my wallet
*For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.