Disney® Inspire Visa® Card
- Annual Fee
- $149
- gift card + statement credit · Welcome Bonus
- $500
- Highest rate (conditional)
- Up to 10X (Disney Plus)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $149
- Foreign Transaction Fee
- $0
- Network
- Visa Signature
- Rewards Currency
- Disney Rewards
- Point Valuation
- 1–1 cpp (mid: 1)
- Credit Required
- Excellent
Welcome Offer
Bonus: $500 gift card + statement credit
Spend: $1,000
Period: 3 months
Earning Rates
- 10X
Disney Plus
Purchases made directly at DisneyPlus.com, Hulu.com or Stream.ESPN.com
- 3X
Gas Stations
Earn 3% on card purchases at gas stations
- 3X
U S Disney
Earn 3% on card purchases at and most U.S. Disney locations.
- 2X
Dining
Earn 2% on card purchases at restaurants
- 2X
Grocery Stores
Earn 2% on card purchases at grocery stores
- 1X
All Other
Benefits & Perks
Annual Credits & Statement Credits
3 creditsUp to
$220
in recurring credits (annual) · Plus $220 first-year / eligibility-dependent
1 credit listed below has no stated dollar amount and is not counted in this total.
$100 statement credit
Earn a $100 Statement Credit after spending $200 per anniversary year on U.S. Disney Theme Park Tickets.
$100
Annual
DoorDash DashPass
Get one-year complimentary DashPass, membership for both DoorDash and Caviar, that provides unlimited deliveries with $0 delivery fees and lower se...
—
Annual
$10/mo Disney streaming
Earn a $10 statement credit each month after spending $10 or more on qualifying subscriptions directly at DisneyPlus.com, Hulu.com or Plus.ESPN.com...
$10
Monthly
Insurance & Protections
3 protectionsPurchase Protection
$500
Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
Baggage Delay Insurance
$100
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.
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 ...
Dining Out
2x at restaurants
Disney Rewards Dollars
≈$2 in value on a $100 dinner, at our valuation of 1¢ per point
Annual fee: $149
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 2x, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Program & Transfers
Disney Rewards Dollars
Earn more on everyday spend.
Disney Rewards Dollars is a retail rewards program focused on turning everyday purchases into practical member value. The program includes 1 status tier that provide incremental benefits as activity grows. Members can earn through qualifying spend or travel activity and redeem for rewards tied to program terms and availability.
Reviews & Analysis
The Math: Is $149 Worth It?
First-year value includes $500 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$264
Annual Fee
-$149
Net Annual Value
-$17
Details & Terms
Payment Terms
| Purchase APR | 18.49%–27.99% (Variable) |
| Cash Advance APR | 28.74% (Variable) |
| Foreign Transaction Fee | $0 |
Media & Resources
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Issuer Page | — | Issuer Page |
| Issuer Page | — | Issuer Page |
| Chase | Chase |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
