When you’re planning a trip in Disneyland or Disney World Resort, you may want a bank card that provides versatile factors you should use to e book the journey. Alternatively, you may want one that provides nice in-park rewards.
You’ll additionally need to think about perks reminiscent of journey insurance coverage and concierge service. Rewards bank cards such because the Capital One Enterprise Rewards Credit score Card (see charges and costs) typically present higher journey protections than extra particular playing cards just like the Disney Premier Visa Card.
Let’s evaluate the 2 playing cards and see who comes out on high.
Capital One Enterprise vs. Disney Premier Visa
| Card particulars | Capital One Enterprise Rewards | Disney Premier Visa |
|---|---|---|
| Signal-up bonus | Earn 75,000 bonus miles if you spend $4,000 on purchases within the first 3 months from account opening, |
$300 assertion credit score after spending $1,000 within the first three months of account opening |
| Incomes | 5 miles per greenback on inns and rental automobiles booked via Capital One Journey
2 miles per greenback on all different purchases |
5% in Disney Rewards {Dollars} on card purchases made straight at DisneyPlus.com, Hulu.com or ESPNPlus.com 2% in Disney Rewards {Dollars} on spending for fuel stations, grocery shops, eating places and most Disney areas 1% on all the things else |
| Annual charge | $95 | $49 |
| International transaction charges | None | 3% |
| Different advantages | Secondary auto-rental protection; prolonged guarantee safety; journey accident insurance coverage and lost-luggage reimbursement; International Entry/TSA PreCheck software charge credit score (as much as $100) each 4 years | Reductions on choose merchandise and eating purchases at ShopDisney.com and Disney retail shops; reductions at Disneyland and Walt Disney World Resort; entry to Disney and Star Wars Character Experiences at unique cardmember areas; particular reductions on Disney resort stays and cruises |
Now let’s dive into the main points that will help you resolve which card can be higher in your pockets.
Capital One Enterprise vs. Disney Premier Visa welcome provide
Capital One Enterprise: Earn 75,000 bonus miles if you spend $4,000 on purchases within the first 3 months from account opening. That is price $750 if used for a set worth towards journey, however should you redeem via one in every of Capital One’s 10+ airline and lodge switch companions, you’ll be able to ramp up these rewards to about 1.85 cents per mile, providing you with an up-to-$1,387 bonus (primarily based on TPG’s valuations and never offered by the issuer).
Disney Premier Visa: Earn an easy bonus of $300 after spending $1,000 within the first three months of account opening. Remember the fact that Chase has the strict 5/24 rule that covers who could also be eligible for bank cards. Primarily based on this, chances are you’ll not qualify for a brand new Chase card with a sign-up bonus should you’ve opened 5 or extra bank cards from any issuer prior to now 24 months.
Winner: Clearly, Capital One Enterprise’s deal of as much as $1,387 in miles (primarily based on TPG valuations) beats out a meager $300 assertion credit score, even when the price of entry for the Disney Premier Visa – a $49 annual charge and a a lot smaller minimal spend in your first buy to qualify for the bonus – is far decrease.
Incomes on the Capital One Enterprise vs. Disney Premier Visa
Capital One Enterprise: Capital One Enterprise affords 5 miles per greenback on inns and rental automobiles booked via Capital One Journey and a pair of miles on all different purchases. These earnings is probably not as excessive as different journey rewards bank cards, but it surely’s not unhealthy for a card with a $95 annual charge.
Disney Premier: It doesn’t get a lot easier than this. You’ll earn 5% again on card purchases made straight at DisneyPlus.com, Hulu.com or ESPNPlus.com. You will get 2% again at fuel stations, grocery shops, eating places and for purchases at most Disney areas. You’ll then earn 1% again on each different qualifying buy, day by day. These earnings take the type of a Disney Rewards Redemption Card which you can spend at Disney resorts, on Disney merchandise and for film tickets from AMC Theaters.
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Winner: The Capital One Enterprise affords a higher return than the Disney Premier and extra flexibility in how one can redeem factors. The cardboard’s easy, simple construction makes it an ideal journey bank card for these new to journey playing cards, with no difficult bonus classes.
Associated: Capital One Enterprise Card evaluation
Redeeming on the Capital One Enterprise vs. Disney Premier Visa
The Disney Visa is extraordinarily restricted in redemption choices, whereas Enterprise Rewards affords all the pliability of different top-tier journey rewards playing cards.
Capital One Enterprise: Redeem your Enterprise miles by reserving journey via Capital One’s portal at a price of 1 cent per mile, or you’ll be able to undergo the portal to make use of your miles for present playing cards or money again. You may as well use your miles to “erase” previous purchases. When reserving journey via Capital One, there aren’t any blackout dates and you may redeem miles for any flight at any time.
Have in mind, you’ll solely get 0.5 cents per mile should you request money again, making this the poorest selection. If you wish to get extra out of your rewards, nevertheless, think about transferring your factors to one in every of Capital One’s airline or lodge switch companions. This redemption possibility can get you considerably extra worth out of your Capital One miles.
Disney Premier Visa: You’ll obtain your rewards within the type of a Disney Rewards Redemption card, which you should use on purchases at Disney shops, Disney resorts and cruise traces, and on AMC Theaters film tickets. This makes redeeming your rewards simple and easy, since rewards values don’t change, however you’ll by no means get a price greater than 1 cent per level.
Winner: Capital One Enterprise Rewards wins out right here, too, with extra flexibility and a greater return if you e book a flight via one in every of Capital One’s airline switch companions.
When you’re merely seeking to defray the price of your Disney trip via purchases you make year-round, chances are you’ll think about the Disney Premier Visa instead, particularly should you usually spend lots within the card’s aforementioned bonus classes.
Associated: Final Information to Walt Disney World Resort
Capital One Enterprise vs. Disney Premier Visa advantages
Capital One Enterprise: As a Visa Signature bank card, the Capital One Enterprise affords journey accident insurance coverage, misplaced baggage reimbursement, secondary auto rental protection, and concierge service, plus entry to unique reveals and occasions. Like many top-tier rewards playing cards, it additionally affords prolonged guarantee safety and buy safety. You’ll additionally take pleasure in no international transaction charges, so should you’re going to Disneyland Paris, this could possibly be the cardboard to hold.
One other worthwhile profit is the International Entry/TSA PreCheck software charge credit score (as much as $100) each 4 years.
Disney Premier Visa: All of the perks and advantages supplied with the Chase Disney Visa are Disney-centric, together with entry to particular occasions at Disney resorts, retail shops, and different areas, and particular Broadway perks if you buy premium tickets to Disney musicals “The Lion King,” “Aladdin” and “Frozen” on Broadway.
Winner: The Disney Premier Visa wins out should you’re seeking to benefit from your Disney trip. Whether or not Disney is a once-in-a-lifetime trip for you or an annual tour, entry to members-only occasions and all the opposite in-park perks and reductions make it nearly essential for the Disney traveler. However it most likely shouldn’t be the one journey rewards card in your pockets.
The perks and advantages supplied on the Capital One card apply to all vacationers for any journey, making it an total higher worth.
Backside line
Palms down, the Capital One Enterprise Rewards Credit score Card is an all-around higher journey bank card than the Disney Premier Visa. You’ll earn extra together with your rewards should you e book journey via Capital One’s airline companions, and also you even have extra flexibility in how one can money in your rewards – together with utilizing them for Amazon purchases. The $95 annual charge on the Enterprise Rewards card affords great worth, and it is among the finest journey rewards playing cards accessible at this time.
Nevertheless, should you’re planning a Disney trip and wish entry to particular occasions in addition to reductions on purchases, it would pay to get the Disney Chase Visa, particularly should you can make the most of the bonus classes and 10% off Disney merchandise purchases.
Apply right here: Capital One Enterprise Rewards
Apply right here: Disney Premier Visa
Associated bank card guides
Further reporting by Ryan Wilcox.