Credit card showdown: Disney Premier Visa vs. Capital One Venture

Feb 18, 2020

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If you’re planning a vacation in Disneyland or Disney World Resort, you might want a credit card that offers flexible points you can use to book the trip or you might want one that offers great in-park rewards.

(Photo by John Gribben for The Points Guy)
(Photo by John Gribben for The Points Guy)

You’ll also want to consider perks such as travel insurance and concierge service. Rewards credit cards such as the Capital One® Venture® Rewards Credit Card or The Platinum Card® from American Express often provide better travel protections than more specific cards like the Disney® Premier Visa® Card.

The information for the Disney Premier Visa card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

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Let’s compare travel cards from these two issuers.

In This Post

Comparing Capital One Venture vs. Disney Premier Visa

Card details Capital One Venture Rewards Disney Premier Visa
Sign-up bonus Earn up to 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months of account opening.

$200 statement credit after spending $500 in the first three months of account opening

Earning 2x on all purchases

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 Secondary auto-rental coverage, extended warranty protection, purchase security, travel accident insurance and lost-luggage reimbursement and Global Entry/TSA PreCheck application fee credit up to $100 every four years Discounts on select merchandise and dining purchases at ShopDisney.com and Disney retail stores, discounts at Disneyland and Walt Disney World Resort, access to Disney and Star Wars Character Experiences at exclusive cardmember locations, special discounts on Disney resort stays and cruises, choice of exclusive Disneycard designs

Now let’s dive into the details to help you decide which card would be better for your wallet.

Sign-up bonus

(Photo by Eric Helgas/The Points Guy)
(Photo by Eric Helgas/The Points Guy)

Capital One Venture: Earn up to 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months of account opening. If you redeem at a fixed value directly through Capital One, that equals up to $1,000 in travel. But if you redeem through one of Capital One’s 10+ airline and hotel transfer partners, you can ramp up those rewards to about 1.4 cents per mile, giving you an up to $1,400 bonus (based on TPG’s valuations and not provided by the issuer).

Disney Chase Visa: Earn a straightforward bonus of $200 after spending $500 in the first three months of account opening. Keep in mind that Chase has the strict 5/24 rule that covers 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.

Winner: Clearly, Capital One Venture’s deal of up to $700 in miles (based on TPG valuations) beats out a meager $200 statement credit, even if the cost of entry for the Disney Premier Visa – a $49 annual fee and a much smaller minimum spend on your first purchase to qualify for the bonus – is much lower.

Earning

Capital One Venture: Capital One Venture offers 2x miles (2.8% return, based on TPG valuations) on all purchases with no annual cap. There are no bonus categories. These earnings may not be as high as other travel rewards credit cards, but it’s not bad for a card with a low, $95 annual fee.

(Photo by Eric Helgas for The Points Guy)
(Photo by Eric Helgas for The Points Guy)

Disney Premier: It doesn’t get much simpler than this. You’ll earn 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, every day. These earnings take the form of a Disney Rewards Redemption Card that you can spend at Disney resorts, on Disney merchandise and for movie tickets from AMC Theaters.

Winner: The Capital One Venture offers a greater return than the Disney Premier and more flexibility in how you can redeem points. The card’s simple, straightforward structure makes it a great travel credit card for those new to travel cards, with no complicated bonus categories.

Related Reading: Capital One Venture Card review

Redeeming

The Disney Visa is extremely limited in redemption options, while Venture Rewards offers all the flexibility of other top-tier travel rewards cards.

Capital One Venture: Redeem your Venture miles by booking travel through Capital One’s portal at a value of 1 cent per mile, or you can go through the portal to use your miles for gift cards or cash back. You can also use your miles to “erase” past purchases. When booking travel through Capital One, there are no blackout dates and you can redeem miles for any flight at any time.

Keep in mind, you’ll only get 0.5 cents per mile if you request cash back, making this the poorest choice. If you want to get more from your rewards, however, consider transferring your points to one of Capital One’s airline or hotel transfer partners. This redemption option can get you significantly more value from your Capital One miles.

Disney Premier Visa: You’ll receive your rewards in the form of a Disney Rewards Redemption card, which you can use on purchases at Disney stores, Disney resorts and cruise lines, and on AMC Theaters movie tickets. This makes redeeming your rewards easy and straightforward, since rewards values don’t change, but you’ll never get a value higher than 1 cent per point.

Winner: Capital One Venture Rewards wins out here, too, with more flexibility and a better return when you book a flight through one of Capital One’s airline transfer partners.

Walt Disney World Resort cast members celebrate the grand opening of the new Gran Destino Tower at Disney’s Coronado Springs Resort in Lake Buena Vista, Fla., July 9, 2019.  The opening of the tower also marks completion of a multiyear re-imagining of Disney’s Coronado Springs Resort, which offers new restaurants, recreational amenities, club-level services and a new arrival experience. (David Roark, photographer)
Use the Disney Premier Visa card to help offset the cost of a visit to the Walt Disney World Resort. (Photo by David Roark)

If you’re simply looking to defray the cost of your Disney vacation through purchases you make year-round, you may consider the Disney Premier Visa as an alternative, especially if you typically spend a lot in the card’s aforementioned bonus categories.

Related Reading: Ultimate Guide to Walt Disney World Resort

Other benefits

Capital One Venture: As a Visa Signature credit card, the Capital One Venture offers travel accident insurance, lost luggage reimbursement, secondary auto rental coverage, and concierge service, plus access to exclusive shows and events. Like many top-tier rewards cards, it also offers extended warranty protection and purchase security. You’ll also enjoy no foreign transaction fees, so if you’re going to Disneyland Paris, this could be the card to carry.

Photo by Dia Adams
You’re better off using the Capital One Venture card at Disneyland Paris, since you won’t be charged a foreign transaction fee every time you swipe it. (Photo by Dia Adams/The Points Guy)

Another worthwhile benefit is the Global Entry/TSA PreCheck application fee credit (up to $100) every four years.

Disney Premier Visa: All the perks and benefits offered with the Chase Disney Visa are Disney-centric, including access to special events at Disney resorts, retail stores, and other locations, and special Broadway perks when you purchase premium tickets to Disney musicals “The Lion King,” “Aladdin” and “Frozen” on Broadway.

Winner: The Disney Premier Visa wins out if you’re looking to make the most of your Disney vacation. Whether Disney is a once-in-a-lifetime vacation for you or an annual excursion, access to members-only events and all the other in-park perks and discounts make it virtually a must-have for the Disney traveler. But it probably shouldn’t be the only travel rewards card in your wallet.

The perks and benefits offered on the Capital One card apply to all travelers for any trip, making it an overall better value.

Bottom line

Hands down, the Capital One Venture Rewards Credit Card is an all-around better travel credit card than the Disney Premier Visa. You’ll earn more with your rewards if you book travel through Capital One’s airline partners, and you also have more flexibility in how you can cash in your rewards – including using them for Amazon purchases. The $95 annual fee on the Venture Rewards card offers tremendous value, and it is one of the best travel rewards cards available today.

However, if you’re planning a Disney vacation and want access to special events as well as discounts on purchases, it might pay to get the Disney Chase Visa, especially if you can utilize the 2% bonus categories and 10% off Disney merchandise purchases.

Official Application Link: Capital One® Venture® Rewards Credit Card with an up to 100,000-mile bonus

Featured photo by John Gribben for The Points Guy

Chase Sapphire Preferred® Card

WELCOME OFFER: 80,000 Points

TPG'S BONUS VALUATION*: $1,600

CARD HIGHLIGHTS: 2X points on all travel and dining, points transferrable to over a dozen travel partners

*Bonus value is an estimated value calculated by TPG and not the card issuer. View our latest valuations here.

Apply Now
More Things to Know
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.
  • 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 80,000 points are worth $1,000 toward travel.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.
Intro APR on Purchases
N/A
Regular APR
15.99%-22.99% Variable
Annual Fee
$95
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Recommended Credit
Excellent/Good

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.