Card dossier
Disney Inspire Visa
Issuer
Chase
Annual fee
$149
Offer Strength
Standard$100 below typical value
Show breakdown
Estimated bonus value: ~$500
Base score: 27
Hotel boost: +15
Ongoing hotel value (conservative): ~$252
• $420 annual credits
Current $500 vs typical $600
Net value after annual fee: ~$500
Estimate based on our value hints; not financial advice.
Annual Fee
$149/yr
Credit Score
Good credit recommended (670+)
Disney Inspire Visa
Welcome Offer
Get a $300 Disney Gift Card eGift to use today upon approval, plus earn a $200 statement credit after you spend $1,000 on purchases in the first 3 months from account opening.
Eligibility Rules
These issuer rules may affect your approval or bonus eligibility.
Chase 5/24 rule
Based on widely reported data, most Chase cards appear to decline applicants who have opened 5 or more personal credit cards (from any bank) in the last 24 months.
Disney welcome bonus rule
Chase Disney cards use a 24-month exact-product welcome bonus cooldown. Bonuses on different Disney products remain independent.
Duplicate ownership rule
Most banks are observed to decline applications for a card you already hold.
Rules reflect community-reported patterns, not official issuer policies.
Check your eligibilityEarning Rates
Disney streaming
10%
At DisneyPlus.com, Hulu.com, and ESPNPlus.com
Gas & Disney locations
3%
At eligible gas stations and most Disney U.S. locations
Grocery & restaurants
2%
At grocery stores and restaurants
Everything else
1%
Key benefits
$120 streaming credit
Up to $10/month in statement credits when you spend $10+ at DisneyPlus.com, Hulu.com, or ESPNPlus.com.
$100 theme park credit
$100 statement credit after spending $200 on U.S. Disney Theme Park tickets per anniversary year.
$200 resort/cruise credit
200 Disney Rewards Dollars after spending $2,000 on Disney Resort stays and Disney Cruise Line per anniversary year.
No foreign transaction fees
Use worldwide without extra charges.
Perks
Disney discounts
10% off select merchandise and dining at Disney parks and DisneyStore.com.
Guided tour savings
15% off select guided tours at Disneyland and Walt Disney World.
Disney vacation financing
0% promo APR for 6 months on select Disney vacation packages.
Ongoing Value
Annual benefits that offset the fee year after year.
Annual Credits
$420 in statement credits per year
Up to $120/yr Disney+ streaming credit ($10/mo), $100 theme park ticket credit ($200 spend), 200 Disney Rewards Dollars ($2,000 resort/cruise spend).
Annual Fee Breakeven
Good fit for
About this card
The Chase Disney Inspire Visa is a cash back card with a $149 annual fee. Current public offer: Get a $300 Disney Gift Card eGift to use today upon approval, plus earn a $200 statement credit after you spend $1,000 on purchases in the first 3 months from account opening.
Best for
everyday spenders
Key considerations
The $149 annual fee requires moderate use to justify. $420 in annual credits available.
Recent updates
Recent offer or rule changes that affected this card.
Card analysis
Offer analysis
The current offer on the Disney Inspire Visa awards 500 mixed_gift_card_and_statement_credit after spending $1,000 within 90 days of account opening.
Annual fee value
The $149 annual fee is more than offset by ongoing benefits including annual statement credits ($420), with an estimated total value of ~$420 per year.
In the first year, the sign-up bonus alone delivers approximately $771 in net value after the annual fee and benefit credits.
Application strategy
This card is subject to Chase’s 5/24 rule. If you have opened five or more personal credit cards from any issuer in the past 24 months, your application will likely be denied regardless of your credit score. Consider whether using a 5/24 slot on this card is the best use of your limited Chase applications.
This card belongs to the disney product family. Chase may restrict you from holding multiple cards in the same family or earning bonuses on related products. Review family-specific restrictions on our How It Works page before applying.
Analysis is auto-generated from card data and known issuer rules. Not financial advice.
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