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Want a Disney credit card that gives you an annual statement credit on Disney theme park tickets?
Maybe you’d like one that offers exclusive annual benefits, like earning 200 bonus Disney Rewards Dollars after spending $2,000 per anniversary year on U.S. Disney cruises or Disney resort stays? Or, perhaps you just want a Disney credit card with unique card art options, such as Spider-Man (drawn by Humberto Ramos), Stitch or even Coco?
Disney and Chase just unveiled a new premium option, the Disney® Inspire Visa® Card. With an annual fee of $149, this card is aimed at frequent theme park and cruise visitors. Alongside the launch, new cardholders can earn up to a $600 bonus: a $300 Disney gift card upon approval and a $300 statement credit after spending $1,000 on purchases within the first three months from account opening.
Disney Inspire Visa: Earn a $300 Disney gift card upon approval and a $300 statement credit after spending $1,000 on purchases in the first three months.
This new premium card option joins the existing lineup of Disney credit cards that includes the $0 annual fee Disney® Visa® Card (see rates and fees) and the $49 per year Disney® Premier Visa® Card (see rates and fees).
With enticing card perks geared toward the House of Mouse’s biggest fans and the best welcome bonus I’ve ever seen for a Disney card, the all-new Disney Inspire Visa Card is worth a closer look. Here’s what to know about the latest addition to the Disney cards portfolio.
Related: New rides and experiences coming to Disney World, Disneyland and beyond in 2026
Disney Inspire Visa Card perks
This card was made for those who like spending time at the U.S. Disney parks and on sailings with Disney Cruise Line in addition to enjoying a taste of Disney magic at home by watching Disney+, Hulu and ESPN+.
In fact, if you use the card enough to trigger the credits for annual park tickets and Disney Rewards Dollars, which is pretty easy to do if you frequent Disney, you can get $300 in value toward a Disney vacation each year, which more than offsets the annual fee just with those perks alone.
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This breaks down into two benefits you can earn once per anniversary year.
Earn 200 Disney Rewards Dollars
You can earn 200 Disney Rewards Dollars after spending $2,000 on U.S. Disney resort stays and Disney Cruise Line bookings with the card each anniversary year.
Disney Rewards Dollars can be redeemed at a rate of 1 Disney Rewards Dollar to $1 on the following:
- Disney theme park tickets, resort stays, shopping and dining in the U.S.
- Disneystore.com purchases
- Disney movies at AMC Theatres
- Disney Cruise Line packages, onboard activities and souvenirs
- Airline purchases using Pay Yourself Back for card statement credits
Earn a $100 statement credit toward Disney park tickets
Each cardmember anniversary year (or when your card renews), you can get a $100 statement credit on the card after spending $200 or more on U.S. Disney theme park tickets. This can take the form of individual park tickets for Disneyland or Disney World or even an annual pass.
That’s as good as money in the bank for those who head to the U.S. Disney parks with regularity. Even if you weren’t going to the parks that specific year, you can often buy tickets for the following year.
The Disney Inspire Visa also brings with it a host of popular perks that you’ll find on the other two Disney cards, such as:
- No interest on eligible Disney vacation packages for six months
- Cardmember-exclusive character photo ops at Disneyland and Disney World
- Discounts of 10% to 15% for eligible purchases at Disneyland and Disney World (10% off select merchandise, 10% off select dining, 10% off select recreation and 15% off select guided tours)
Related: I visit Disney 15 times a year, here’s why I have the Disney credit card
Earn up to 10% in Disney Rewards Dollars
The Disney Inspire Visa offers rewards on everyday spending in the form of Disney Rewards Dollars.
As mentioned, you can use Disney Rewards Dollars to offset your Disney-related expenses, like park tickets, dining and resort stays, at a rate of 1 Disney Rewards Dollar equaling $1.
For the new Disney Inspire Visa Card, the earning rates break down as:
- 10% at disneyplus.com, hulu.com and plus.espn.com
- 3% at most other U.S. Disney locations and gas stations
- 2% at grocery stores and restaurants
- 1% on all other card purchases
If you’re someone who looks to maximize your credit card bonus category earning rates, it can be pretty hard to get a great return on your Disney spending, as purchases may code in different ways, depending on what card you’re using and where you are spending your money in the parks.
For example, a restaurant may code as dining on some cards, but a kiosk may not. The resort stay may code as travel, but the individual park tickets probably won’t unless purchased as part of a larger package or via a third party. It gets confusing.
A cobranded card like this one has its advantages, as it removes the guesswork on how a purchase will code.
If you spend a lot at Disney and want to be sure you are getting 3% back in rewards, the Disney Inspire Visa Card offers higher earnings than the other two Disney cards in that category.
Now, is it possible to beat that rate if you really maximize credit card rewards across card options? Yes, but I’d say for the casual rewards card user who wants to keep things simple but earn some solid rewards at Disney, this is a good option to have in your wallet.
Related: With a $300 bonus and built-in Disney discounts, are the Disney Visa credit cards worth it?
Is the new Disney Inspire Visa Card worth it?
Chase and Disney have been partners for a couple of decades, so they have had plenty of time to hear from cardholders on what they wanted next. With this card, they are now going for the “biggest Disney fans,” according to Cathy Cline, senior vice president of corporate alliances and consumer financial services at The Walt Disney Company.
I have to agree — this card is made for those who love Disney and visit the U.S. Disney parks or go on a Disney cruise pretty much every year.
That’s because those Disney fans are the ones who can most easily take advantage of the benefit of earning 200 Disney Rewards Dollars by spending $2,000 on U.S. Disney resort stays and Disney Cruise Line bookings with the card each anniversary year. Not to mention, they’ll have an easier time earning the $100 statement credit by spending at least $200 on Disneyland and/or Disney World tickets each anniversary year.
For cardholders who can use the full $300 in annual Disney credits, this card could be absolutely worth it.
In the first year alone, Disney regulars can easily get up to $900 in value from the new card thanks to the (up to) $600 welcome offer and the $300 in annual benefits after meeting eligible spending requirements, which can be used to offset the cost of park tickets, resort stays, cruise bookings and more.
Plus, cardholders also get an annual statement credit of up to $120 for Disney+, Hulu and ESPN+ purchases.
Of course, for those who don’t foresee a Disney trip in their future or are more immersed in the world of credit card rewards, it may not make sense to add this card to their wallet.
Bottom line
This isn’t a premium travel card for everyone — but for frequent Disney park visitors or Disney Cruise Line fans, the math is unusually straightforward. The card’s earning rates and benefits won’t require you to keep track of tons of statement credits to recoup your “investment.”
For Disney fans who visit regularly and want a straightforward way to earn rewards and discounts on trips they’re already taking, this new card fills a gap that has long existed in Disney’s credit card lineup.
