Disney® Inspire Visa® Card
A $149-annual-fee points card from JPMorgan Chase Bank, National Association, with a $500 signup bonus.
JPMorgan Chase Bank, National Association · VISA
- Annual fee
- $149
- Purchase APR
- 18.24–27.74%variable
- Signup bonus
- $500
- Foreign transaction
- None
Earn Rules
| Gas | 300.00% |
| Grocery | 200.00% |
| Dining | 200.00% |
| Streaming | 1000.00%directly at DisneyPlus.com, Hulu.com or Stream.ESPN.com |
| All Other | 100.00% |
Rates with strings attached
These apply only at a specific brand, or need something beyond how you spend, like a balance held with the issuer or a status tier. They are real, but we do not count them in the value above, which uses the rates any cardholder earns on ordinary spending.
| at most U.S. Disney locations | 300.00% |
Statement Credits
Each credit shown at full face value. The NAV math counts the total. What you actually use is your call.
| $200 Disney Rewards Dollars after spending $2,000 per anniversary year on U.S. Disney Resort stays and Disney Cruise Line bookingsyearSource ↗ | $200/yr |
| $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.monthlySource ↗ | $120/yr |
| $100 Statement Credit after spending $200 per anniversary year on U.S. Disney Theme Park TicketsyearSource ↗ | $100/yr |
| Up to $10 off quarterly on non-restaurant DoorDash ordersquarterlySource ↗ | $40/yr |
| Total credits / year we count | $460 |
Why this differs from the issuer's headline number. Card marketing sums every credit at full value and assumes you use all of them. We count each credit at face value too, but only the ones shown above. A credit you won't use is worth $0 to you, so the honest number for most people is lower than the brochure. Decide which ones fit your life; the calculator counts what you tell it to.
Signup Bonus
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.
Value: $500 · Spend $1,000 in 3 months
This bonus is counted in full in the card's Year 1 value, and only when your spend meets the requirement. It's excluded from the ongoing value.
Who This Card Makes Sense For
- People who reliably pay their balance in full each month. The 27.74% APR would wipe out the card's other benefits within a single billing cycle of revolving.
Wondering if this card pays off for your situation? Is the Disney® Inspire Visa® Card worth it? →
Cards in the Same Fee Tier That Score Higher
A similar annual fee, ranked higher at the default profile.
- Hilton Honors American Express Surpass® Card$972 (+$304)
- Delta SkyMiles® Gold American Express Card$859 (+$190)