Disney Inspire Visa Card
$149 annual fee · $460/yr in printed statement credits · 1% on everything else · no foreign transaction fees
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Groceries | 2% | uncapped |
| Dining | 2% | uncapped |
| Everything else | 1% | uncapped |
| Streaming at Disney+, Hulu and ESPN only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
10% | uncapped |
See how it ranks: best groceries cards · best dining cards.
What we have watched change
Differences between one check of the issuer's page and the next — not a reconstruction of the card's history. We only know what we were watching when it moved.
- Welcome offer Disney Inspire Visa Card welcome bonus rose from 20,000 to 50,000. 2026-09-11
Signup bonus: $500 back after $1,000 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. $500 offer: a $300 Disney gift card on approval plus a $200 statement credit after $1,000 in 3 months; encoded as 50,000 CASH points at 1 cent each Bonus figure confirmed on the issuer's page 2026-09-14.
Statement credits — $460/yr on paper · how we got this
| Credit | Value | How it pays |
|---|---|---|
| Disney Resort & Cruise Line spend bonus | $200/year | annual |
| Disney Theme Park ticket spend credit | $100/year | annual |
| Disney+/Hulu/ESPN+ streaming credit | $120/year | monthly · enrollment required |
| DoorDash non-restaurant order discount | $40/year | quarterly · enrollment required · through 2027-12-31 |
Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.
Non-cash perks
- Complimentary 12-month DashPass membership (DoorDash/Caviar) when activated by 12/31/2027; auto-renews at then-current rate unless canceled
- Choice of Disney-themed card designs, changeable anytime after account opening
- Disney Parks Cardmember photo opportunities (Disney and Star Wars photo ops) with complimentary Disney PhotoPass downloads
- 0% promotional APR for 6 months on select Disney vacation packages, variable APR thereafter
- Pay Yourself Back: redeem Disney Rewards Dollars for a statement credit toward purchases at most U.S. Disney locations, Disney sites (incl. DisneyStore.com, DisneyPlus.com, Hulu.com, Stream.ESPN.com) and airline tickets, within 90 days of purchase; no blackout dates
- No foreign transaction fees
Does the fee earn out? · how we got this
The printed statement credits ($460/yr) cover the $149 fee on paper — if you'd spend that way anyway. Credits you have to remember, enroll in, or change behavior for are worth less than face value. Our app tracks each one against your actual charges.
Is this $149 fee worth it? See the break-even math →
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. One thing on this card rules out a kind of spender:
- Anyone who doesn't spend at Disney+, Hulu and ESPN. Its largest printed rate, 10% on streaming, pays only at Disney+, Hulu and ESPN. Anywhere else it earns its base 1%, so the headline number is a loyalty rate rather than a category rate — which is why no ranking on this site counts it.
Don't want the fee any more?
Disney Inspire Visa Card can normally be product-changed to two lower-fee cards in the Chase Disney Visa family instead of being closed — which keeps the account, its age and its credit line.
More from Chase
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-03 against issuer terms · sources: disneyrewards.com · creditcards.chase.com · creditcards.chase.com. Spot an error? Tell us.