Points · Visa · $149 annual fee
Last verified 2026-09-09. Review issuer source
Chase Disney Inspire Visa Card is a $149-a-year points card from Chase. Its best everyday rates are 3x on gas stations, 2x on dining, and 2x on grocery stores; everything else earns 1x. There is also 10x on Disney Online, a single-merchant rate. Rewards are Disney points that only spend inside that program, so we value them at roughly a third of a cent each.
On our reference budget of $24,600 a year its rewards come to $130, $19 short of the annual fee. That is normal at this price; the card only works if the perks replace spending you already do, or your bonus-category spending is far above a typical household's. The welcome bonus, $500 after $1,000 in 3 months, is the strongest reason to open it in a given year.
Get it if you already fly or stay with Disney often enough to use the perks. A general travel card earns points that go more places.
Earn 2% on card purchases at restaurants
Earn 10% on card purchases made directly at DisneyPlus.com, Hulu.com or Plus.ESPN.com.
Earn 3% on card purchases at gas stations
Earn 2% on card purchases at grocery stores
Earn 3% on card purchases at and most U.S. Disney locations.
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.
Earn a $100 Statement Credit after spending $200 per anniversary year on U.S. Disney Theme Park Tickets.
Earn $200 Disney Rewards Dollars after spending $2,000 per anniversary year on U.S. Disney Resort stays and Disney Cruise Line bookings.
Receive 10% off select dining locations most days at the Disneyland® Resort and Walt Disney World® Resort when you use your Disney Inspire Visa Card.
Receive 10% off select merchandise purchases at select locations at the Disneyland® Resort and Walt Disney World® Resort when you use your Disney Inspire Visa Card.
Save 10% on select purchases at DisneyStore.com when you use your Disney Inspire Visa Card.
Receive 15% off the non-discounted price of select guided tours at the Disneyland® Resort and Walt Disney World® Resort when you use your Disney Inspire Visa Card.
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.
Get complimentary Instacart+ Membership and receive unlimited deliveries with $0 delivery fees on eligible orders. Service fees and Terms apply. Benefits end 12/31/27.
Pose for special photos at our private Cardmember locations at the Disneyland® Resort and Walt Disney World® Resort. Plus, encounter Super Heroes at the Disneyland® Resort. Receive complimentary downloads of your photos.
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. Yearly activation required.
Get one-year complimentary DashPass, membership for both DoorDash and Caviar, that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by Dec 31, 2027 Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
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 from the date of purchase.
Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
Receive a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly through Instacart with your United Explorer Card. Terms apply. Benefits end 12/31/27.
These come from Visa, not from Chase. Every card on the Visa Signature tier carries them, so they should not decide between two cards.
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
Enjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Eligible Visa cardholders can now use the GigSky app to access complimentary or discounted global mobile data, in 175+ countries and destinations worldwide as well as on over 200 of the world’s top cruise ships.
When you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
Get exciting benefits at Universal Studios Hollywood and Universal Orlando Resort when you pay with your Visa Signature® or Visa Infinite® card.
Get assistance with travel planning, entertainment tickets and more.
Enjoy special guest status at 900+ Visa Signature Luxury Hotel properties worldwide.
Book your next road trip with your Visa Signature card to receive up to 25% off base rates on qualifying rentals from Avis and Budget. Your card can also unlock complimentary upgrades (when available), waived Additional Driver Fee and 10% saving on XM Satellite radio during rental.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Disney® Inspire Visa® CardThis card · 3x on gas stations | $149 | $130 | −$19 | 1119th of 1,291 |
| Chase Freedom Unlimited® Credit CardChase's most-held other card · 3% on dining | None | $528 | +$528 | 276th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
