Chase recently trimmed the Inspire's welcome offer from $600 to $500, now structured as a $300 Disney eGift Card on approval plus a $200 statement credit after $1,000 of spending in the first three months. The stronger case for keeping it is the recurring credits: up to $120 a year in $10 monthly statement credits on Disney+, Hulu, or ESPN+, which requires annual enrollment, plus $100 back each anniversary year after $200 on U.S. Disney theme park tickets. Together those two cover more than the $149 annual fee if you reliably use both. Be careful reading the earn chart, though: the 10% streaming rate applies only to Disney+, Hulu, and ESPN+, and the 3% entertainment rate only at most U.S. Disney locations, which leaves 3% on gas, 2% on groceries and dining, and 1% on everything else as the card's real everyday profile. If you are not visiting the parks or paying for Disney streaming, that fee is hard to earn back.
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 |