Disney Inspire Visa
Chase$149 a yearVisa SignatureNo foreign transaction feeIssuer's page
Wait for a bigger offer if you can: a higher one ran recently.
Already have it? A lower-fee card in the same family may suit you better.
Welcome bonus
$500
after $1,000 in purchases in the first 3 months
Lower than the $600 offer we last recorded in August 2026.
5/24 Rule, 24 Month Rule and 4 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus$500 cash | $500 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$24 |
| DoorDash Grocery/Retail, monthlyof $120 face value | +$24 |
| Annual fee | −$149 |
| Meeting the $1,000 minimumearns 1% here vs 2% on Double Cash | −$10 |
| First year | $389 |
| Each year after | −$21 |
Not counted in the first year: protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 2X | Grocery Stores | 2% |
| 2X | Dining | 2% |
| 3X | Gas Stations | 3% |
| 10X | DisneyPlus.com, Hulu.com, Plus.ESPN.com | 10% |
| 1X | Everything else | 1% |
+ 1 more rate
| Rate | Category | Return |
|---|---|---|
| 3X | Disney locations | 3% |
Noteworthy perks
- DoorDash Grocery/Retail, monthly$120 a year
Personal card · Earns Disney Rewards Dollars
Benefits
Credits & Perks (4)
- Streaming: $10 (Monthly)
Up to $10 back per month (up to $120 annually) on qualifying subscriptions or add-on purchases made directly at DisneyPlus.com, Hulu.com or Plus.ESPN.com after spending $10 or more on eligible purchases (yearly activation required)
- Theme Park Tickets: $100 (Annual Cardmember Year)
$100 statement credit after spending $200 per card anniversary year on U.S. Disney theme park tickets
- Resort & Cruise: $200 (Annual Cardmember Year)
$200 Disney Reward Dollars after spending $2,000 per card anniversary year on U.S. Disney Resort stays and Disney Cruise Line bookings
- DoorDash Grocery/Retail, monthly coupon: $10 off 1 order (Monthly)
DashPass membership required · Activation required · One coupon per order; unused value does not carry over or pool
Monthly coupon on non-restaurant DoorDash orders with DashPass (DashPass first activated between 09/01/26 and 12/31/27 with the card; the coupon continues while you stay enrolled)
Protections (3)
- Baggage Delay, up to $300, Up to $100 per day for up to 3 days for essential purchases when baggage is delayed over 6 hours
- Purchase Protection, up to $500, 120 days coverage for damage or theft, up to $500 per item
- Extended Warranty, Extends manufacturer's warranty by 1 year (max 3 years original), up to 4 years from purchase date
Other Perks
- Cardmember-exclusive character photo opportunities at Walt Disney World Resort and Disneyland Resort
- 10% off select merchandise purchases at select locations at Walt Disney World Resort and Disneyland Resort
- 10% off select dining locations most days at Walt Disney World Resort and Disneyland Resort
- 15% off the non-discounted price of select guided tours at Walt Disney World Resort and Disneyland Resort
- 10% off the non-discounted price of select recreation experiences at Walt Disney World Resort
- 10% off select purchases at DisneyStore.com
- 0% promotional APR for 6 months on select Disney vacation packages
- Disney Cruise Line savings on select onboard purchases (photos, merchandise, spa treatments)
- Complimentary 12-month DashPass membership for DoorDash and Caviar (activate by 12/31/2027)
- Pay Yourself Back: redeem Disney Rewards Dollars as statement credits toward airline purchases and Disney purchases
- Savings on Aulani Resort merchandise, activities, and experiences
- Broadway VIP package with premium ticket purchases to Aladdin or The Lion King
- Savings on first year of annual Marvel Unlimited subscription
The Disney family
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to Disney InspireOct 8, 2026
- changed from $300 Disney Gift Card eGift on approval + $300 statement credit after $1K in purchases within first 3 months to $300 Disney gift card upon approval + $200 statement credit after $1K in purchases within first 3 monthsAug 30, 2026
- changed from 1000 to 0Aug 30, 2026
- was 90, removedAug 30, 2026
- changed from null to 1000Aug 13, 2026
- changed from null to 90Aug 13, 2026