Disney Premier vs Free Spirit
Disney Premier
$49/yr
6.5/10
VS
Free Spirit
$79/yr
6.5/10
Quick Answer
Disney Premier charges $49/yr with 1X base rewards. Free Spirit charges $79/yr with 1X base rewards. Disney Premier offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Disney Premier
Lower annual fee ($49 vs $79)
Rewards Earning
Free Spirit
3 earning categories
Benefits & Protection
Disney Premier
0 benefits vs 0
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Disney Premier wins for most people
The $30 fee difference is hard to justify unless you maximize premium benefits.
Apply for Disney PremierPREMIUM PICK
Free Spirit wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Free SpiritRewards Earning: Detailed Comparison
Disney Premier
| Disney direct purchases | 2.0X |
| Everything else | 1.0X |
Free Spirit
| Spirit Airlines purchases | 3.0X |
| Dining & grocery | 2.0X |
| Everything else | 1.0X |