Chase
Disney Inspire Visa Card
Key Features
| Annual Fee | $149.00 |
| Sign-up Bonus | Up to $500 Disney Rewards value |
| Rewards Rate | 1%-10% Disney Rewards Dollars |
| Intro APR | 0% promotional APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 18.24Min. of (6.75+11.49) and 29.99%–27.74Min. of (6.75+20.99) and 29.99%. |
| Regular APR | 18.24Min. of (6.75+11.49) and 29.99%–27.74Min. of (6.75+20.99) and 29.99% variable APR. |
| Other Fees | No foreign transaction fees |
| Network | Visa |
About this card
The Disney Inspire Visa Card is an excellent choice for its intended audience: dedicated Disney enthusiasts. Its robust rewards program, featuring exceptional returns on Disney streaming (10%), significant statement credits on Disney Resort stays/Cruise Line bookings and Theme Park Tickets (effectively 10% and 50% respectively on spending thresholds), and a very generous sign-up bonus ($500 value), provides outstanding value for those who frequently engage with Disney's ecosystem. The card also offers competitive rates on everyday spending categories like gas (3%), groceries (2%), and restaurants (2%), alongside the crucial benefit of no foreign transaction fees, which is ideal for international Disney travel. These strong positives, combined with exclusive Disney perks, make it a top-tier co-branded card. However, the card is held back by two primary factors: a high $149 annual fee and a notably high regular APR (18.24%-27.74%). While the annual fee can be substantially offset by maximizing the card's benefits, it does limit its appeal to a specific niche. The very high APR is a significant drawback for anyone who might carry a balance, making responsible financial management (paying balances in full) essential to truly benefit from this card. Despite these weaknesses, the card's exceptional rewards and perks for its target audience, combined with the positive reputation of Chase, secure it a strong 'Excellent' rating. Its specialized nature means its value proposition is outstanding for Disney fans but significantly diminished for others.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate on Disney and everyday categories
- Intro APR period for Disney vacations
- No foreign transaction fees
- Exclusive Disney perks and discounts
- Purchase protection benefits
Things to consider
- Annual fee
- Potentially high regular APR
- Rewards are heavily focused on Disney-related spending
What this card offers
Sign-up bonuses
- $300 Disney Gift Card eGift upon approval + $200 Statement Credit
- Get a $300 Disney Gift Card eGift to use today upon approval + earn a $200 statement credit after you spend $1,000 on purchases in the first 3 months from account opening.
Rewards
- Earn 10% on card purchases made directly at DisneyPlus.com, Hulu.com or Stream.ESPN.com.
- Earn 3% on card purchases at gas stations and most other U.S. Disney locations.
- Earn 2% on card purchases at grocery stores and restaurants.
- Earn 1% on all other card purchases.
- There are no limits to the number of Disney Rewards Dollars you can earn.
Other features
- Earn $200 Disney Rewards Dollars after spending $2,000 per anniversary year on U.S. Disney Resort stays and Disney Cruise Line bookings.
- Earn a $100 Statement Credit after spending $200 per anniversary year on U.S. Disney Theme Park Tickets.
- Disney Card Designs: Put a little character in your wallet. Choose from several new unique card designs when applying.
- Once you have the Disney Inspire Visa Card you can change your design at any time.
- Disney Streaming: Earn a $10 statement credit each month after spending $10 or more on qualifying subscriptions directly at DisneyPlus.com, Hulu.com or Stream.ESPN.com. Yearly activation required.
- Pay Yourself Back: You can use Pay Yourself Back to redeem Rewards Dollars for a statement credit toward purchases made at most Disney locations in the U.S. and online at Disney sites including DisneyStore.com, DisneyPlus.com, Hulu.com or Stream.ESPN.com. Cardmembers can also redeem Rewards Dollars for a statement credit toward airline tickets purchased with your card. There are no block-out dates when redeeming Rewards Dollars.
- Special Disney Vacation Financing: Enjoy 0% promotional APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 18.24Min. of (6.75+11.49) and 29.99%–27.74Min. of (6.75+20.99) and 29.99% with the Disney Inspire Visa Card.
- Disney Vacation Perks: 10% off Select Merchandise Purchases.
- Disney Vacation Perks: 10% off Select Dining Locations.
- Disney Vacation Perks: 15% off Select Guided Tours.
- Disney Parks Photo Opportunities: Pose for special photos at our private Cardmember locations at the Disneyland Resort and Walt Disney World Resort. Receive complimentary downloads of your photos.
- 10% off Select Purchases at DisneyStore.com
- No Foreign Transaction Fees: You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
- Baggage Delay Insurance: Reimburses you up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.
- Purchase Protection: Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
- Extended Warranty Protection: Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.
- Chase Pay Over Time: After purchase (formerly My Chase Plan) Pay off an eligible purchase you've already made of $100 or more in smaller, equal monthly payments. No interest - just a fixed monthly fee with plan durations that range from 3-24 months.
- Chase Pay Over Time: At checkout Chase credit card members may have the option to create a payment plan at checkout on Amazon.com. Orders totaling $50 or more using your eligible Chase credit card at Amazon.com could be eligible for Chase Pay Over Time.
- DoorDash: Get one-year complimentary DashPass, membership for both DoorDash and Caviar, that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. Activate by Dec 31, 2027.
- DoorDash: DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
- Refer Friends if you already have any Disney Visa Card! Earn up to 500 Disney Rewards Dollars per year. You can earn 100 Disney Rewards Dollars for each friend (up to 5) that gets approved for any Disney Visa Card.
Additional Notes
Offers may vary depending on where you apply, for example online or in a branch, and can change over time.