Super quick update to say the Chase Disney Rewards tactics still working as usual in 2021.
This year was the first time I did a cancel/reapply and got the Premier card - the $300 bonus, $100 referral (using my wife’s card link), and 2x rewards opportunities for the Premier easily made the $49 annual fee and extra spend requirement worth it. At the end of the year I’ll just likely call in and ask to be downgraded to the regular card before next year’s fee kicks in.
I don’t know about you, but these days a $1,000 spend over 3 months is chicken feed for us.
(Thanks 2007 Honda Pilot timing belt and radiator!)
Between the rewards we racked up over the last year on my wife’s old Disney Visa, plus the referral and bonus, we done good.
For reference, still is the case that the $100 referral shows up as redeemable rewards on the referrer’s Rewards account, the $300 is a statement credit that automagically applies to the new cardholder account once you hit the spend.
We recently cashed out my wife’s rewards for our upcoming trip (woohoo!) and in the next month we’ll be cancelling my wife’s card and using the refer/reapply technique for her and get us another $400 to start working on next year’s possible trip. 
