The Disney Inspire Visa only makes sense if your household already spends real money on Disney, because its $149 annual fee depends on Disney-specific perks to pay off. The two biggest offsets are a $10 monthly streaming credit (up to $120 a year, enrollment required) when you spend $10 or more on Disney+, Hulu, or ESPN+, and a $100 statement credit after spending $200 each anniversary year on U.S. Disney theme park tickets. Earning is also tilted toward the brand: 10% on Disney+, Hulu, and ESPN+, 3% at most U.S. Disney locations and on gas, and 2% on groceries and dining, with 1% on everything else. The welcome offer of a $300 Disney eGift Card on approval plus a $200 statement credit after $1,000 in spending in 3 months is generous for a family planning a trip. If you would not use both the streaming and park ticket credits, though, the fee is hard to justify over a no-fee cash back card, and park discounts on merchandise, dining, and tours are nice extras rather than reasons to apply.
Earn rates & credits
| Category | Rate |
|---|---|
Streaming Disney+, Hulu, and ESPN+ purchases | 10% |
Gas | 3% |
Entertainment Most U.S. Disney locations | 3% |
Groceries | 2% |
Dining | 2% |
Everything Else | 1% |
| Benefit | Value |
|---|---|
Disney Park Tickets Credit $100 statement credit after spending $200 each anniversary year on U.S. Disney theme park tickets | $100 /yr |
Disney Streaming Credit $10 monthly statement credit (up to $120 per year) when you spend $10 or more each month on Disney+, Hulu, or ESPN+; annual enrollment required | $10 /mo |
| Total annual credits | $220 |
Card details
Regular APR | 18.24%–27.74% variable |
Foreign transaction fee | None |