CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
The Disney® Inspire Visa® Card ($149/yr) is better for everyday value, while the Citi Strata Elite℠ Card ($595/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Citi Strata Elite℠ Card | Disney® Inspire Visa® Card |
|---|---|---|
| Disney Online | 1.5X | 10X |
| Dining Citi Nights |
The Disney® Inspire Visa® Card wins in 4 of 7 categories. The Citi Strata Elite℠ Card leads in 3.
Dining Citi Nights
Citi Strata Elite℠ Card earns 6X vs 1X
Dining
Citi Strata Elite℠ Card earns 3X vs 2X
Disney Online
Disney® Inspire Visa® Card earns 10X vs 1.5X
Gas Stations
Disney® Inspire Visa® Card earns 3X vs 1.5X
Us Disney
Disney® Inspire Visa® Card earns 3X vs 1.5X
Grocery Stores
Disney® Inspire Visa® Card earns 2X vs 1.5X
Everyday purchases
Citi Strata Elite℠ Card earns 1.5X on all other spending vs 1X
The Citi Strata Elite℠ Card costs $595/yr — that's $446 more than the Disney® Inspire Visa® Card ($149/yr). To justify that gap, you need to extract at least $446 in annual value from the card's higher earn rates and benefits.
The Citi Strata Elite℠ Card offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.
The Disney® Inspire Visa® Card has a lower annual fee ($149 vs $595), making it the more accessible option.
The Citi Strata Elite℠ Card justifies its higher fee with premium perks like lounge access.
For everyday spending, the Citi Strata Elite℠ Card earns more with its 1.5X base rate.
Choose the Disney® Inspire Visa® Card if you want solid rewards with a lower cost of entry. Choose the Citi Strata Elite℠ Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
The Disney® Inspire Visa® Card ($149/yr) is better for everyday value, while the Citi Strata Elite℠ Card ($595/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Citi Strata Elite℠ Card | Disney® Inspire Visa® Card |
|---|---|---|
| Disney Online | 1.5X | 10X |
| Dining Citi Nights |
The Disney® Inspire Visa® Card wins in 4 of 7 categories. The Citi Strata Elite℠ Card leads in 3.
Dining Citi Nights
Citi Strata Elite℠ Card earns 6X vs 1X
Dining
Citi Strata Elite℠ Card earns 3X vs 2X
Disney Online
Disney® Inspire Visa® Card earns 10X vs 1.5X
Gas Stations
Disney® Inspire Visa® Card earns 3X vs 1.5X
Us Disney
Disney® Inspire Visa® Card earns 3X vs 1.5X
Grocery Stores
Disney® Inspire Visa® Card earns 2X vs 1.5X
Everyday purchases
Citi Strata Elite℠ Card earns 1.5X on all other spending vs 1X
The Citi Strata Elite℠ Card costs $595/yr — that's $446 more than the Disney® Inspire Visa® Card ($149/yr). To justify that gap, you need to extract at least $446 in annual value from the card's higher earn rates and benefits.
The Citi Strata Elite℠ Card offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.
The Disney® Inspire Visa® Card has a lower annual fee ($149 vs $595), making it the more accessible option.
The Citi Strata Elite℠ Card justifies its higher fee with premium perks like lounge access.
For everyday spending, the Citi Strata Elite℠ Card earns more with its 1.5X base rate.
Choose the Disney® Inspire Visa® Card if you want solid rewards with a lower cost of entry. Choose the Citi Strata Elite℠ Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
The Disney® Inspire Visa® Card ($149/yr) is better for everyday value, while the Citi Strata Elite℠ Card ($595/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Citi Strata Elite℠ Card | Disney® Inspire Visa® Card |
|---|---|---|
| Disney Online | 1.5X | 10X |
| Dining Citi Nights |
The Disney® Inspire Visa® Card wins in 4 of 7 categories. The Citi Strata Elite℠ Card leads in 3.
Dining Citi Nights
Citi Strata Elite℠ Card earns 6X vs 1X
Dining
Citi Strata Elite℠ Card earns 3X vs 2X
Disney Online
Disney® Inspire Visa® Card earns 10X vs 1.5X
Gas Stations
Disney® Inspire Visa® Card earns 3X vs 1.5X
Us Disney
Disney® Inspire Visa® Card earns 3X vs 1.5X
Grocery Stores
Disney® Inspire Visa® Card earns 2X vs 1.5X
Everyday purchases
Citi Strata Elite℠ Card earns 1.5X on all other spending vs 1X
The Citi Strata Elite℠ Card costs $595/yr — that's $446 more than the Disney® Inspire Visa® Card ($149/yr). To justify that gap, you need to extract at least $446 in annual value from the card's higher earn rates and benefits.
The Citi Strata Elite℠ Card offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.
The Disney® Inspire Visa® Card has a lower annual fee ($149 vs $595), making it the more accessible option.
The Citi Strata Elite℠ Card justifies its higher fee with premium perks like lounge access.
For everyday spending, the Citi Strata Elite℠ Card earns more with its 1.5X base rate.
Choose the Disney® Inspire Visa® Card if you want solid rewards with a lower cost of entry. Choose the Citi Strata Elite℠ Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
| 1X |
| Dining | 3X | 2X |
| Gas Stations | 1.5X | 3X |
| Us Disney | 1.5X | 3X |
| Grocery Stores | 1.5X | 2X |
| Everything Else | 1.5X | 1X |
Network
Key Benefits
Pros
Cons
Bottom line: The $446 gap is significant. Choose the Citi Strata Elite℠ Card only if you spend heavily on dining citi nights and dining and will use its premium benefits regularly — otherwise the Disney® Inspire Visa® Card delivers strong value at a fraction of the cost.
Choosing one card means missing out on these benefits from the other.
Choosing Disney® Inspire Visa® Card means losing:
Get the Citi Strata Elite℠ Card if you:
Get the Disney® Inspire Visa® Card if you:
| 1X |
| Dining | 3X | 2X |
| Gas Stations | 1.5X | 3X |
| Us Disney | 1.5X | 3X |
| Grocery Stores | 1.5X | 2X |
| Everything Else | 1.5X | 1X |
Network
Key Benefits
Pros
Cons
Bottom line: The $446 gap is significant. Choose the Citi Strata Elite℠ Card only if you spend heavily on dining citi nights and dining and will use its premium benefits regularly — otherwise the Disney® Inspire Visa® Card delivers strong value at a fraction of the cost.
Choosing one card means missing out on these benefits from the other.
Choosing Disney® Inspire Visa® Card means losing:
Get the Citi Strata Elite℠ Card if you:
Get the Disney® Inspire Visa® Card if you:
| 1X |
| Dining | 3X | 2X |
| Gas Stations | 1.5X | 3X |
| Us Disney | 1.5X | 3X |
| Grocery Stores | 1.5X | 2X |
| Everything Else | 1.5X | 1X |
Network
Key Benefits
Pros
Cons
Bottom line: The $446 gap is significant. Choose the Citi Strata Elite℠ Card only if you spend heavily on dining citi nights and dining and will use its premium benefits regularly — otherwise the Disney® Inspire Visa® Card delivers strong value at a fraction of the cost.
Choosing one card means missing out on these benefits from the other.
Choosing Disney® Inspire Visa® Card means losing:
Get the Citi Strata Elite℠ Card if you:
Get the Disney® Inspire Visa® Card if you:
