News Chase and Disney Launch New Disney Inspire Visa Card

[Touchdown]

Or a trip elsewhere.

Oh yes, all my points from that card have paid for trips leaving the continent.

 

[GhostHost1000]

So, I did the math on this and it actually isn't too bad of a deal IF you subscribe to Disney+. You get a $10 credit on your statement a month for D+ which is worth $120 a year - meaning the actual delta between the two cards is $29 by the time you factor that credit into the equation. For us, because I know we are going on at least one other cruise if not two this year alone, plus our Destiny cruise we have booked next year, it makes sense for the rewards. In addition, I did qualify for the sign-up bonus as a "new" card holder so I'll just downgrade my Premier card to the no annual-fee version and keep this as my main Disney card or cancel the premier card. For us, we'll make up the $29 pretty easily in discounts, and the free $600 made it an easy decision. In fact, I already got the gift card in my apple wallet and we'll easily spend the $1,000 required over the next three months between the actual cruise and summer camp sign ups for our kids so it made a lot of sense.

That was my thinking. If someone is spending $50 on the premier card and subscribes to Hulu live d+ bundle then $150 annual fee - $120 back is only $30 plus the other changes.

 

[patm95]

I don’t subscribe to any streaming services, don’t go on cruises, and am dvc so not paying for resort stays. This isn’t worth it for me.

 

[granfiesta]

So both my wife and I currently have the free Disney Visa, but haven't received new cardmember bonuses for them within the last 24 months. So from these terms "This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months."

Am I understand correctly, that one of us could apply for it and be approved? I'm understand the 'this credit card' portion to refer to the new Inspire card?

 

[jpeden]

So both my wife and I currently have the free Disney Visa, but haven't received new cardmember bonuses for them within the last 24 months. So from these terms "This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months."

Am I understand correctly, that one of us could apply for it and be approved? I'm understand the 'this credit card' portion to refer to the new Inspire card?

This is a new card that no one has ever had before so in theory everyone who applies and gets approved is eligible for the sign up bonuses. You have to do a new application - it can't be an upgrade of the current card you hold.

 

[Horizons '83]

Except think about what you could earn using another card. My Sapphire Reserve Card earns me 4X for hotels and 3x for restaurants.

Yeah but that is an $800 Annual Fee, this one is $149.

 

[Purduevian]

Are you able to get the free disney card, get the 10% discount on food and merch, but use other credit cards to pay for the food and Merch?

Would there be a downside to me getting the free CC and literally never spending a penny on it?

 

[Touchdown]

Yeah but that is an $800 Annual Fee, this one is $149.

If you can organically spend and get more out of the card then you put in AF matters not. That card gives you a $300 travel credit that automatically applies to the first travel expenses you spend on the card, so you only have to make back $500, for which there are many ways to do that. The card also has no foreign transactions fees, primary car rental insurance, and trip delay insurance. YMMV, but I easily make back the AF before accounting for points use. This new card is the first non terrible Disney card out there, but I would only classify this card as ok.

 

[JMcMahonEsq]

Are you able to get the free disney card, get the 10% discount on food and merch, but use other credit cards to pay for the food and Merch?

Would there be a downside to me getting the free CC and literally never spending a penny on it?

Damn, my apologies I totally misread that. In order to get the discounts, you actually have to use the Disney Card for the purchase

 

[Horizons '83]

If you can organically spend and get more out of the card then you put in AF matters not. That card gives you a $300 travel credit that automatically applies to the first travel expenses you spend on the card, so you only have to make back $500, for which there are many ways to do that. The card also has no foreign transactions fees, primary car rental insurance, and trip delay insurance. YMMV, but I easily make back the AF before accounting for points use. This no card is the first non terrible Disney card out there, but I would only classify this card as ok.

Good point, and like that you pointed out "organic spend" vs. chasing the credits for the sake of chasing them.

 

[Landry]

Are you able to get the free disney card, get the 10% discount on food and merch, but use other credit cards to pay for the food and Merch?

Would there be a downside to me getting the free CC and literally never spending a penny on it?

You have to pay with your Disney card to get the discounts on merch or food, it doesn't work just showing the card and then paying with another credit card or gift card.

 

[Purduevian]

You have to pay with your Disney card to get the discounts on merch or food, it doesn't work just showing the card and then paying with another credit card or gift card.

Thanks... still might get the free one... 1 character meal for my family is ~140 (+T&T), $14 off is a lot better than the 3% cash back ($4.2) I get on my other card... Over a week long trip, it seems like it could add up to over $100 difference

 

[Sirwalterraleigh]

Thanks... still might get the free one... 1 character meal for my family is ~140 (+T&T), $14 off is a lot better than the 3% cash back ($4.2) I get on my other card... Over a week long trip, it seems like it could add up to over $100 difference

Other than the fact you’re willingly ripping yourself off when you walk in the front door?

 

[HauntedPirate]

Flexibility is king. Being locked into spending rewards at a limited number of locations (*Cough*Disney*Cough) is not flexible.

 

[JMcMahonEsq]

Flexibility is king. Being locked into spending rewards at a limited number of locations (*Cough*Disney*Cough) is not flexible.

Flexibility can be highly overrated and counterproductive. Generally stated something that is flexible or in this case really we are talking more about universal application will almost always mean it is not maximized towards a certain goal. For someone who travels alot, a Marriot Card is maximized towards rewards that benefit their intended use, both in the way points are generated (with multiple points per dollar spent) and for the use rewards. Having "flexibility" to use something in a manner that the person never intends to use if for us useless, just about as useless as being a member of a site about a topic that you apparently don't like, yet still waste time posting about.

 

[Purduevian]

Other than the fact you’re willingly ripping yourself off when you walk in the front door?

Value is super subjective... However, if I know I am going to buy something anyway for a certain cost... I will gladly take whatever discount I can find. 11% vs 3%(from my BOA card) isn't anything to slouch at for something you were buying regardless

 

[Sirwalterraleigh]

Value is super subjective... However, if I know I am going to buy something anyway for a certain cost... I will gladly take whatever discount I can find. 11% vs 3%(from my BOA card) isn't anything to slouch at for something you were buying regardless

But your math ain’t mathing here

“I’m gonna overspend on Disney…so paying a $150 fee each year to get an AP/DVC discount (which are pathetic) are a good deal…”

Am I processing that right?

 

[monothingie]

If you're an AP or DVC this card makes no sense for you.

The statement credit is a joke.
The Annual Fee for the benefits are a joke.
The interest rate you'll be paying on pixie dust isn't a joke.

 

[Purduevian]

But your math ain’t mathing here

“I’m gonna overspend on Disney…so paying a $150 fee each year to get an AP/DVC discount (which are pathetic) are a good deal…”

Am I processing that right?

Nope... I'm going to overspend on Disney food and Merch on my upcoming trip... so paying for the $0 fee each year to get a 10% discount is a decent deal

Are you able to get the free disney card, get the 10% discount on food and merch, but use other credit cards to pay for the food and Merch?

Would there be a downside to me getting the free CC and literally never spending a penny on it?

I then learned you actually have to use the card to get the discount... but still the 11% back is better than the 3% back I get on my current card...

If I spend $1000 on my trip on food and merch, I'm basically "saving" $80. Probably not worth it... but it was worth looking into

 

[Basil of Baker Street]

Except think about what you could earn using another card. My Sapphire Reserve Card earns me 4X for hotels and 3x for restaurants.

I have the Sapphire Preferred and use it exclusively while traveling. Even just going to Disney . $95 AF. Medical, travel interruption, lost luggage and rental car coverage alone makes that card worth it. Bonus points booking through the travel portal and $50 hotel credit annually makes it an even better deal.

For those that like staying at the Swolphin and don't mind being a Marriott loyalist, the Bonvoy Boundless has some nice perks.