Disney Inspire Card from Chase
$500 300 Disney Gift Card eGift plus $200 statement credit after you spend $1,000 in 3 months. $149 a year.
- Welcome offer
- Issuer's pagechase.com
“Earn up to 500 Disney Rewards Dollars per year.”
- Annual fee
- Issuer's pagechase.com
“$149 †”
- Purchase APR
- Issuer's pagechase.com
“0% promotional APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 18.49%– 27.99%. †”
- Foreign transaction fee
- Issuer's pagechase.com
“No Foreign Transaction Fees”
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $50 | $45 |
| Typical spender | $310 | $305 |
| Heavy spender | $770 | $765 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at an assumed 1¢.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 80% of the 650 cards we track.
- Lower top APR than about 50% of the 128 cards on our Sign-up bonuses list (see the list).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
500 credit
After you spend $1,000 on purchases in your first 3 months.
The $300 Disney Gift Card eGift is sent by email within hours after approval. The $200 statement credit is earned after qualifying purchases during the first 3 months from account opening. The account must remain open for at least 6 months for Chase and Disney to reserve the right not to cancel the gift card eGift.
Spending it takes$333 a monthfor 3 months
Tracking sinceSep 29, 2026history will chart every change
How you earn · Disney Rewards
- 10%Card purchases made directly at DisneyPlus.com, Hulu.com or Stream.ESPN.com
- 3%Card purchases at gas stations
- 3%Card purchases at most other U.S. Disney locations
- 2%Card purchases at grocery stores
- 2%Card purchases at restaurants, including takeout and eligible delivery services
- 1%Everything else
Rates and fees
| Annual fee | Issuer's pagechase.com “$149 †” |
|---|---|
| Purchase APR | Issuer's pagechase.com “0% promotional APR for 6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 18.49%– 27.99%. †” |
| Intro APR | Issuer's pagechase.com “0% Intro APR” |
| Foreign transactions | Issuer's pagechase.com “No Foreign Transaction Fees” |
Carrying a balance? See how long it takes to pay off
Benefits
- New cardmember statement credit: $200 one time
- U.S. Disney Theme Park Tickets statement credit: $100 annual
- Disney streaming statement credit: $10 monthly
- $200 Disney Rewards Dollars automatically applied after $2,000 in qualifying U.S. Disney Resort stays and Disney Cruise Line bookings each anniversary year.
- 10% off select merchandise purchases at select Disneyland Resort and Walt Disney World Resort locations.
- 10% off select purchases at DisneyStore.com and select U.S. Disney Store and Disney Outlet Store locations.
- 10% off select dining locations at Disneyland Resort and Walt Disney World Resort.
- 15% off the nondiscounted price of select guided tours at Disneyland Resort and Walt Disney World Resort.
- Cardmember photo opportunities at Disneyland Resort and Walt Disney World Resort, including complimentary downloads of photos taken at designated Disney Visa Cardmember locations.
- Special vacation financing with a 0% promotional APR for 6 months on select Disney vacation packages; after that, a variable APR applies.
- No foreign transaction fees on purchases made outside the United States.
- One year of complimentary DashPass for DoorDash and Caviar when activated for the first time between 02/01/2025 and 12/31/2027; automatic enrollment at the then-current monthly rate follows unless canceled.
- Up to $10 off quarterly on one qualifying non-restaurant DoorDash order after activating the Disney Inspire Card DashPass membership, through 12/31/2027.
- Cardmembers can earn 100 Disney Rewards Dollars for each approved friend referred for any Disney Visa Card, up to 5 friends per year.
- Baggage: Up to $100 per day for up to 3 days
- Purchase protection: Up to $500 per item
- Extended warranty: Up to four years from the date of purchase
Questions
- What is the annual fee?
- $149 chase.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. chase.com, since Sep 29, 2026
- What is the purchase APR?
- 18.49–27.99% APR chase.com, since Oct 2, 2026
- Is there an intro APR?
- 0% for 6 months. chase.com, since Sep 29, 2026
- Is there a welcome bonus?
- $300 Disney Gift Card eGift plus $200 statement credit after $1,000 in purchases in 3 months. chase.com, since Oct 2, 2026
Other cash back cards with fees up to $300
- Capital One Spark 2% Cash PlusCapital One · $150 a year+$145 a year
- Ink Business Premier(R) Credit Card: Cash BackChase · $195 a year+$100 a year
- Graphite Business Cash UnlimitedAmerican Express · $295 a yearabout the same
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).