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Old 01-27-2012, 05:08 PM   #31
savannahcat
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Just upgraded! We'll earn more than $200 in rewards just from paying off the balance on our cruise. BTW, we pay ours off every month too and also had no problem qualifying.
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Old 01-27-2012, 06:10 PM   #32
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Quote:
Originally Posted by ValpoCory View Post
Not necessarily. You will only benefit from the new card if more than $4,900 of your annual charges you would have used the Disney Visa for are in those select categories.
We charged over $4000 in gas and $8000 in dining last year.
Oof..just looked on my YE statement and I guess I should apply for the premiere card.

Over $5 on grocery & $9 on auto. Only $600 on dining though. Guess we don't eat out much

Edit-didn't realize the auto was broken into different categories. Only spent $3 on gas, the rest was DH's auto crap. Still....may be worth it to upgrade.
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Old 01-27-2012, 07:21 PM   #33
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hmmmm decisions decisions. i would at least break even on the fee. this is mostly b/c target is considered grocery for me, i think it may be how each store is categorized (the two i frequent carry fresh groceries). i have no travel plans now but am contemplating next years vacation. maybe ill wait a bit since i have until april 30 and see if any travel plans come up.
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Old 01-27-2012, 07:28 PM   #34
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I'm thinking about it more and now think I might as well upgrade sooner rather than later. Yes, we will be going to WDW in June, but I can pay off most of the trip in the next 3 months to take advantage of the 5% now. It is not like we charge that much once we are there. That way I can start taking advantage of the extra rewards for the other categories even sooner.

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Old 01-27-2012, 08:03 PM   #35
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Thanks so much for the year-end statement tip! That made the decision easy. $8000 just in Gas last year! And with gas prices going up again, we will probably top that this year
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Old 01-27-2012, 08:18 PM   #36
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How do you know what qualifies as a grocery store?

There are a few independently owned grocery stores in my area that we go to every so often. I'd want to know if they count before I go!
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Old 01-27-2012, 08:55 PM   #37
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Quote:
Originally Posted by savannahcat View Post
The balance on our June Cruise with DCL is due in March. If we upgrade to this card and use it to pay off our balance, will we earn 5% back on that balance since it would be charged in the first 90 days after upgrade? If so, this would definitely be worth it for us.
I'm curious which Disney locations qualify as . We are cruising in March and wonder whether excursions and onboard purchases will count for the bonus rewards. Also, do cruises fares and hotels count since we already get 6 monthes no interest?
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Old 01-27-2012, 11:21 PM   #38
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Originally Posted by tink'smom2B View Post
Thanks so much for the year-end statement tip! That made the decision easy. $8000 just in Gas last year! And with gas prices going up again, we will probably top that this year
Remember, if you have a Chase Freedom card, you get 5% back (in cash) on gas purchases 6 months out of the year in 2012, and 1% in the other 6 months, for a 3% average cash back. Compare that with the 2% year round rewards in a gift card form for the Premier. Same thing with the Target Visa ... 5% off in cash instantly there. Make sure you analyze the opportunity cost of not taking advantage of better rewards cards.
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Old 01-28-2012, 12:00 AM   #39
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Just upgraded...with the extra 1% (and the bonus for 3 months), I think we'll easily recoop the $49 fee.

So until we get our new cards, do I just continue using the old one? When I receive and activate the new card, will the old one then be deactivated automatically?

Thanks!
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Old 01-28-2012, 06:40 AM   #40
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Just upgraded...with the extra 1% (and the bonus for 3 months), I think we'll easily recoop the $49 fee.

So until we get our new cards, do I just continue using the old one? When I receive and activate the new card, will the old one then be deactivated automatically?

Thanks!
When I upgraded it was very vague as to exactly how to proceed. (Maybe I was so excited that I clicked through the screens to fast!) I'm assuming we keep using the current card until the new ones come in the mail. At that point we'll probably have to call to activate those, at which point the old ones won't work (well they should still work as long as you don't need to use the 3-digit security code on the back, that's the only thing that's changing along with the expiration date. )

I just logged in my account & there's no mention of the upgrade or what type of account I have, so nothing's been changed over yet.

Smitch425 I think you upgraded first, let us know when your cards come!
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Old 01-28-2012, 09:52 AM   #41
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Just verified that "most Disney locations" for bonus includes Disney resorts and cruises so we're upgrading since we're cruising in March.
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Old 01-28-2012, 12:58 PM   #42
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Hey, an FYI--I just called to upgrade and apparently you have to have had the card for 12 months to qualify. Just passing along what I learned.
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Old 01-28-2012, 01:09 PM   #43
amy-momofthree
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Hey, an FYI--I just called to upgrade and apparently you have to have had the card for 12 months to qualify. Just passing along what I learned.
Aghhh! Thank you for posting this! I kept trying to upgrade online and it said "unable to process at this time". I got my card in February last year so that explains it. Guess I'll wait a few weeks.
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Old 01-28-2012, 01:42 PM   #44
TaraPA
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Quote:
Originally Posted by poohj80 View Post
Just verified that "most Disney locations" for bonus includes Disney resorts and cruises so we're upgrading since we're cruising in March.
Yay! We have 2 trips in March, so the balances on the resorts should qualify for sure. I will let everyone know how my other purchases there come up - for example I am getting tix for DH & DSs through DH's convention at a discount, but they're still purchased on the Disney website, so not sure how that will pan out. I will also renew my AP at Guest Relations. I'll report back on what dining/shopping locations are included as well.
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Old 01-28-2012, 01:53 PM   #45
hardingk
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I just upgraded! So excited! Def worth it for us!
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