Chase
Disney® Inspire Visa® Card
Key Features
| Annual Fee | $149.00 |
| Sign-up Bonus | $500 total bonus |
| Rewards Rate | Earn 1%-10% back |
| Intro APR | 0% promotional APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 18.24%-27.74%. |
| Regular APR | 18.24%-27.74% variable APR. |
| Other Fees | You will pay no foreign transaction fees when you use your card for purchases made outside the United States. |
| Network | Visa |
About this card
The Disney® Inspire Visa® Card earns an overall rating of 4.6 out of 5.0, classifying it as 'Excellent' and approaching 'Exceptional' for its specific target audience. This card is a best-in-class co-branded offering for dedicated Disney enthusiasts, delivering unparalleled value for those who frequently engage with Disney products, services, and experiences. Its strengths overwhelmingly lie in its extraordinarily rich and tailored rewards program, a highly favorable fee structure (despite the annual fee for its niche), and the exclusive perks that significantly enhance the Disney experience. The card is issued by Chase, a reputable institution, further bolstering its appeal. The rewards program is the card's definitive highlight, meriting a perfect 5.0/5.0. It provides exceptional value with high earning rates (up to 10% on streaming, 3% on gas and U.S. Disney locations, 2% on groceries/dining), a substantial $500 initial sign-up bonus (including an immediate $300 Disney Gift Card eGift), and significant annual statement credits ($200 for resort stays/cruises, $100 for theme park tickets, $120 for streaming). The flexibility to redeem rewards for a wide array of Disney purchases, as well as airline tickets with no block-out dates, is a major advantage. For a Disney loyalist, these benefits easily outweigh the $149 annual fee, making the card a net positive. The fees rating of 4.5/5.0 is also very strong. While the card carries a $149 annual fee, this is considered moderate for a premium co-branded card offering such extensive benefits. Crucially, the card waives foreign transaction fees, which is a significant perk for international travel. The annual credits provided can easily offset or even exceed the annual fee for an engaged cardholder. The main drawback of the card is its APR structure, rated at 2.5/5.0. The introductory 0% APR is limited to 6 months on select Disney vacation packages, which is both niche and short-lived. The regular variable APR, ranging from 18.24% to 27.74%, is relatively high, especially at the upper end. This indicates that the card is not suitable for carrying a balance, as interest charges would quickly erode the value of earned rewards. However, for a card primarily focused on maximizing rewards for a specific lifestyle, cardholders are typically expected to pay their balances in full. Overall, the Disney® Inspire Visa® Card is an outstanding choice for its intended demographic. Its exceptional rewards, favorable fee structure, and strong reputation for delivering value to Disney fans easily compensate for its less competitive APR, making it an excellent card for those who can fully leverage its Disney-centric benefits.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- No foreign transaction fees
- Intro APR period
- Luxury perks
- Travel and purchase protections
Things to consider
- Annual fee
- High regular APR
What this card offers
Sign-up bonuses
- $500 Offer
- 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.
- $300 Disney Gift Card eGift upon approval
- + $200 Statement Credit
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.
Other features
- There are no limits to the number of Disney Rewards Dollars you can earn.
- Get exclusive park benefits each year only with the Disney Inspire Visa Card.
- 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.
- 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.
- 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.
- 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 lets eligible Chase customers break up credit card purchases into budget friendly payments.
- 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.
- 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.
- 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.
- Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
- 10% off Select Merchandise Purchases Receive 10% off select merchandise purchases at select locations at the Disneyland Resort and Walt Disney World Resort when you use your Disney Inspire Visa Card.
- 10% off Select Dining Locations Receive 10% off select dining locations most days at the Disneyland Resort and Walt Disney World Resort when you use your Disney Inspire Visa Card.
- 15% off Select Guided Tours Receive 15% off the non-discounted price of select guided tours at the Disneyland Resort and Walt Disney World Resort when you use your Disney Inspire Visa Card.
- Disney Parks Photo Opportunities Pose for special photos at our private Cardmember locations at the Disneyland Resort and Walt Disney World Resort. Plus, encounter Super Heroes at the Disneyland Resort. Receive complimentary downloads of your photos.
- 10% off Select Purchases at DisneyStore.com Save 10% on select purchases at DisneyStore.com when you use your Disney Inspire Visa Card.