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You can use both of Disney cards anywhere Visa is accepted, since they are Visas. As for the rewards, it's different. With the Disney® Visa® Card, you'll earn rewards on all purchases, but just 1% back. With the Premier Visa Card, it's better as you earn 2% cash back on selected purchases and 1% back on all purchases. However, be prepared to face a $49 annual fee which will eat away some of your earnings. If you count those earnings, you'll see that a general rewards card will be better than any of the Disney cards.