01 · overview
Annual fee
$149
Per year
Sign up bonus
$500
After $1,000 in 3 mo
Credits
$50
1 credit
Median FICO
—
Approved
Median income
—
Approved
Our take
The Inspire is the top Disney card, with a $149 fee buying a $400 Disney eGift card up front, 10% back on Disney+/Hulu/ESPN+, and 3% on Disney purchases. But the earn rates are mediocre for a fee card (most spend lands at 1-2%), and the $50 annual Disney credit plus streaming back barely covers the cost unless you spend heavily in the Disney ecosystem. For most fans the $49 Disney Premier or even the no-fee Disney Visa is the saner choice; reach for the Inspire only if you are a frequent park-goer who values the extra perks.
Welcome bonus
$500
After $1,000 in 3 mo
$400 Disney eGift Card upon approval + $200 statement credit after spending $1,000 in first 3 months
Apply now02 · earn & credits
Earn rates & credits
Earn rates
| 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% |
Statement credits
| Credit | Value |
|---|---|
Annual Disney Statement Credit Annual statement credit for Disney purchases | $50 /yr |
| Total annual value | $50 |
03 · card details
Card details
Regular APR | 18.24%–27.74% variable |
Foreign transaction fee | None |
04 · approval odds
Approval odds
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05 · news