The Inspire is built for households that spend heavily and predictably on Disney: 10% back on Disney+, Hulu, and ESPN+ specifically, 3% at most U.S. Disney locations, 3% on gas, and 2% on groceries and dining, with 1% on everything else. Stack that with the $120 in annual streaming credits ($10 monthly when you spend at least $10 on those services, with yearly enrollment) and the $100 park ticket credit after $200 in U.S. Disney ticket spend, and the $149 annual fee can be covered before you earn a single point. Chase recently cut the welcome offer from $600 to $500, now a $300 Disney eGift Card at approval plus a $200 statement credit after $1,000 in the first 3 months. The honest limit is that the standout rates are narrow: the 10% applies only to those three streaming services and the 3% entertainment rate only at Disney locations, so a non-Disney household is left with 3% gas, 2% groceries and dining, and a $149 bill. There is no foreign transaction fee, and the 200 Disney Rewards Dollars for $2,000 at Disney resorts or the cruise line only matters if you already book those trips.
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 |