Disney’s highest-tier card offering is the Disney® Inspire Visa® Card (see rates and fees) which means more Disney-specific perks and rewards for cardholders such as theme park discounts on dining and shopping, statement credits to eligible Disney hotel bookings and ticket purchases; reward on everyday purchases but also an annual fee higher than other Disney Visa cards. Card rating* – ‘12, i.e.

*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.

Disney Inspire Visa Card: The basics

The Disney Inspire, for example, is aimed specifically at frequent Disney visitors (see rates and fees) and the Disney® Premier Visa® Card (such as the Walt Disney Movie® VisaTM Card).

The Disney Inspire card offers annual credits to offset the cost of your Walt Disney World or Disneyland trips or Disney Cruise Line sailings, increased reward earnings on Disney-related purchases and exclusive discounts on shopping, dining and entertainment at Disney’s theme parks and during its cruises.

SUMMER HULL/THE POINTS GUY

All Disney Visa cards earn rewards as Disney Rewards Dollars that can be used for Disney purchases. While many travel cards are less flexible, they can be a long way to reduce the cost of your Disney vacation.

It is a $149 annual fee for All that Disney magic and can be easily offset by this card’s statement credits (see details below) all that comes with. It’s more than the $49 annual fee and the $10 annual cost for Disney Visa, but if you can use them with these cards, this card’t far outweigh either of those cards.

Apart from its more expensive annual payment, the main differences between this and other Disney cards are the annual statement credits and the higher reward rates in select categories.

Related: This new Disney World discount can save you more than $1,000 on your summer vacation

Disney Inspire Visa Card pros and cons

| Pros | Cons |
| — | — |
| * Statement credits to use toward Disney vacations and Disney+ * Good earning rate on Disney-related purchases * In-park discounts and experiences | * Limited redemption options * Other cards earn more on everyday purchases |

Disney Inspire Visa Card benefits

For Disney fans who visit the parks or go on a Disney cruise at least once per year, The Disney Inspire offers valuable benefits for them.

The 16 card designs are also available for cardholders to be in love with their favorite Disney characters, including five exclusive cards on the Disney Inspire Visa.

Annual statement credits for Disney purchases

Disney Inspire cardholders are eligible to earn annual statement credits that are most beneficial for Disney loyalists:

If you spend $2,000 per anniversary year on U, * 200 Disney Rewards Dollars. S, meanwhile. Disney Cruise Line bookings and Disney Resort stays are also included in the stay.

• A $100 statement credit after spending $200 per anniversary year on U.S. Disney theme park tickets
• Up to a $120 annual credit on Disney+, Hulu and ESPN+ purchases

For example, if you go to Disney World or Disneyland at least once per year and have an annual fee of Disney+ or Disney bundle subscription, you can easily offset the card’s annual cost.

Keeping in mind Only Disney Rewards Dollars can be used on Disney purchases. All these benefits, combined with the other statement credits, are essentially $420 per year — but they’re only really worth it when you know you will use them consistently.

Fuentes del Morro Pool at Disney’s Caribbean Beach Resort. TARAH CHIEFFI/THE POINTS GUY

Disney dining, recreation and shopping perks

Cardholders receive 10% off the following dining, shopping and recreation purchases:

• Select purchases at disneystore.com
• Eligible merchandise, recreation and dining purchases at select locations in Disneyland and Walt Disney World

Additionally, cardholders receive the following entertainment and experience perks:

• 15% off select guided tours at Disneyland and Disney World
• Complimentary photo opportunities exclusive to Disney Visa cardholders
• Savings aboard Disney Cruise Line for select onboard purchases

Exclusive vacation offers and financing

Typically Disney provides special deals for the limited-time deal only to Disney Visa cardholders. These include Disney World and Disneyland hotel discounts, free Disney dining plan packages at DisneyWorld.

Disney Inspire cardholders also receive a 0% promotional annual percentage rate for six months on select Disney vacation packages (then an APR of 18 is variable). a of 24% to 27 per cent. The rule is 74% for paraphrasing.

Travel protections

The Disney Inspire offers useful travel protections, such as baggage delay insurance, extended warranty protection and purchase protection.

How to earn and use your rewards

Earning

With the Disney Inspire, you’ll earn Disney Rewards Dollars at the following rates:

• 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

It’s a good idea to earn 3% on Disney purchases, especially when you are in the “Disney bubble” and spend money on if you stay at – or buy – stayed with. Disney Resort hotel (the theme park tickets) and in-park dining during your visits; while staying there is…

The Magic Kingdom at Walt Disney World. TARAH CHIEFFI/THE POINTS GUY

There are a few cards that make 3% on travel-related purchases, but don’t have the other Disney benefits so this card is shrewdly good for you to earn and redeem rewards on Disney purchases.

There are also a number of cards that make more than the Disney Inspire on gas, groceries and everyday purchases – but again, if you value earning toward Disney discounts, this is the easiest way to do it.

Redeeming

Hence, this card earns Disney Rewards Dollars as stated above. The Disney Rewards Dollars are also available for redeeming on the gift card (Danney Rewards) and in-hand items and souvenirs; AMC Theatres Disney movie tickets; shopping at disneystore. The com; Disney hotel stays e-commerce, eating and shopping at U.S. A , S. Parks Disney parks; and Disney theme park tickets.

Disney Wish. SUMMER HULL/THE POINTS GUY

Alternatively, you can also use Chase’s Pay Yourself Back option to redeem Disney Rewards Dollars for a statement credit on airline purchases. Please note that you have to use your Disney Inspire card and buy the airfare directly with the airline.

Potential drawbacks to the Disney Inspire Visa Card

The Disney Inspire’s redemption options are limited to Disney-specific purchases, and several cards offer better overall earning rates.

If you don’t know that you will go to Disney at least once a year, you can not take advantage of this card’s benefits such as annual statement credits and high earning rates on Disney purchases.

Is the Disney Inspire Visa Card worth it?

If you know you will go to a Disney theme park or take – at least once per year and then spend enough to meet the $2,000 threshold in hotel or cruise spending for 200 Disney Rewards Dollars and $200 on theme parks, this card is worth the statement credits and discounts that can offset the cost of your vacation.

Tiana’s Bayou Adventure at Disneyland. TARAH CHIEFFI/THE POINTS GUY

If you go to Disney only once a few years, this card may not be the most appropriate for you in terms of earning and redeeming rewards.

The no-annual-fee Disney Visa is a good deal for those who are interested in the vacation discounts you have access to as if you’re able to get it off. As a regular Disney guest from the Inspire and in the Premier, if you choose between the Disney Inpire and the Disneyland Premier (the original one of those two), you’ll get more bang for your buck.

When to apply for the Disney Inspire Visa Card

When I’m told that you have a Disney trip coming up, my personal strategy would be to wait and apply for this card. That means you will be able to use the card’s welcome bonus and other Disney perks. It’s a newer option in the suite of cobranded Disney cards, so as this is the latest offer on the card it has ever been offered.

Once authorized by the new cardholders can receive a $300 electronic Disney gift card, plus $600 statement credit when they spend $1,000 on purchases during their first three months of account opening.

You open the card and book your vacation to meet the minimum spending requirement for earning the bonus. If you have $300 in a statement credit, then get ‘300 gift card on hand while traveling? Besides the annual statement credits you could earn, this is also as good as that of your vacation which does meet those spending requirements.

Other cards to consider if you don’t want the Disney Inspire Visa Card

Disney Inspire is a good option for those who prefer the simple nature of earning and redeeming rewards for purchases by only Disney, but you’d rather go with the DisneyInspire. Though, if not, consider these alternatives.

• If you don’t want an annual fee: The no-annual-fee

Disney Visa Card

The earnings are lower, but you’ll still enjoy some of the same discounts and vacation benefits that come with the Disney Inspire. read our review of to learn more.

full review of the Disney Visa

.

• If you want to earn points and save money on Disney vacations: The

Citi Strata Elite℠ Card

(see

rates and fees

Despite the higher $595 annual fee, it has travel benefits such as a $300 annual hotel credit for stays of at least two nights booked through Citi Travel (including several on-site Disney hotels). If you want to know more, read our review of .

full review of the Citi Strata Elite

.

• If you want simplified rewards: The

Capital One Venture Rewards Credit Card

It has a simple income model and $95 annual fee for s. Capital One Travel You get 2 miles per dollar for everyday purchases and 5 miles/dollar spent on hotels, vacation rentals and rental cars booked through CapitalOne Travel. For more information, read our review of paraphrasingr.

full review of the Capital One Venture

.

For additional options, check out our full list of the best credit cards for Disney.

Related: With a $300 bonus and built-in Disney discounts, are the Disney Visa credit cards worth it?

Bottom line

This is a sense of the Disney Inspire, as well as the other two Disney Visa cards, which makes it possible for frequent Disney visitors to make the most out of their card’s earning potential. But if you can’t use the benefits annually or want more flexible redemption options, it is better to go with a general travel rewards card that offers higher earning rates and has multiple redemptions.

For example, if you go to Disney or take an annual Disney cruise and have a subscription for the Disney+ program, then do no maths get it worth this card? The welcome bonus, the annual statement credits and in-park discounts will give you a lot of value.

Apply here: Disney Inspire Visa Card

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