Is the Disney® Inspire Visa® Card worth the higher annual fee?

The Disney® Inspire Visa® Card costs $149/yr vs $99/yr for the IHG One Rewards Premier Credit Card. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the Disney® Inspire Visa® Card or IHG One Rewards Premier Credit Card?

The IHG One Rewards Premier Credit Card has a higher base earn rate (3X vs 1X), but both cards have different bonus categories where they excel.

Should I get the Disney® Inspire Visa® Card or the IHG One Rewards Premier Credit Card?

Choose the IHG One Rewards Premier Credit Card if you want lower fees and solid rewards. Pick the Disney® Inspire Visa® Card if you spend enough to justify the $149/yr fee through its premium benefits and higher earn rates.

Is the Disney® Inspire Visa® Card worth the higher annual fee?

The Disney® Inspire Visa® Card costs $149/yr vs $99/yr for the IHG One Rewards Premier Credit Card. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the Disney® Inspire Visa® Card or IHG One Rewards Premier Credit Card?

The IHG One Rewards Premier Credit Card has a higher base earn rate (3X vs 1X), but both cards have different bonus categories where they excel.

Should I get the Disney® Inspire Visa® Card or the IHG One Rewards Premier Credit Card?

Choose the IHG One Rewards Premier Credit Card if you want lower fees and solid rewards. Pick the Disney® Inspire Visa® Card if you spend enough to justify the $149/yr fee through its premium benefits and higher earn rates.

Is the Disney® Inspire Visa® Card worth the higher annual fee?

The Disney® Inspire Visa® Card costs $149/yr vs $99/yr for the IHG One Rewards Premier Credit Card. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the Disney® Inspire Visa® Card or IHG One Rewards Premier Credit Card?

The IHG One Rewards Premier Credit Card has a higher base earn rate (3X vs 1X), but both cards have different bonus categories where they excel.

Should I get the Disney® Inspire Visa® Card or the IHG One Rewards Premier Credit Card?

Choose the IHG One Rewards Premier Credit Card if you want lower fees and solid rewards. Pick the Disney® Inspire Visa® Card if you spend enough to justify the $149/yr fee through its premium benefits and higher earn rates.

CardRewards

Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: June 2026.

Disney® Inspire Visa® Card vs IHG One Rewards Premier Credit Card

The IHG One Rewards Premier Credit Card ($99/yr) is better for everyday value, while the Disney® Inspire Visa® Card ($149/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

No image

Disney® Inspire Visa® Card

Chase

IHG One Rewards Premier Credit Card

Chase

Fees & Welcome Offer

Annual Fee

$149

$99

Welcome Bonus

—

175,000 Hotel

Earn Rates

Category	Disney® Inspire Visa® Card	IHG One Rewards Premier Credit Card
Disney Online	10X	3X
Ihg Hotels

Category-by-Category Winner

The IHG One Rewards Premier Credit Card wins in 6 of 7 categories. The Disney® Inspire Visa® Card leads in 1.

Disney Online

Disney® Inspire Visa® Card earns 10X vs 3X

Gas Stations

IHG One Rewards Premier Credit Card earns 5X vs 3X

Dining

IHG One Rewards Premier Credit Card earns 5X vs 2X

Grocery Stores

IHG One Rewards Premier Credit Card earns 3X vs 2X

Ihg Hotels

IHG One Rewards Premier Credit Card earns 10X vs 1X

Travel

IHG One Rewards Premier Credit Card earns 5X vs 1X

Everyday purchases

IHG One Rewards Premier Credit Card earns 3X on all other spending vs 1X

Is the Fee Difference Worth It?

The Disney® Inspire Visa® Card costs $149/yr — that's $50 more than the IHG One Rewards Premier Credit Card ($99/yr). To justify that gap, you need to extract at least $50 in annual value from the card's higher earn rates and benefits.

Bottom line: The $50 difference is small enough that the Disney® Inspire Visa® Card's extra perks make it worth considering for most cardholders.

The Bottom Line

The IHG One Rewards Premier Credit Card has a lower annual fee ($99 vs $149), making it the more accessible option.

For everyday spending, the IHG One Rewards Premier Credit Card earns more with its 3X base rate.

Choose the IHG One Rewards Premier Credit Card if you want solid rewards with a lower cost of entry. Choose the Disney® Inspire Visa® Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the Disney® Inspire Visa® Card worth the higher annual fee?: The Disney® Inspire Visa® Card costs $149/yr vs $99/yr for the IHG One Rewards Premier Credit Card. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Disney® Inspire Visa® Card or IHG One Rewards Premier Credit Card?: The IHG One Rewards Premier Credit Card has a higher base earn rate (3X vs 1X), but both cards have different bonus categories where they excel.
Should I get the Disney® Inspire Visa® Card or the IHG One Rewards Premier Credit Card?: Choose the IHG One Rewards Premier Credit Card if you want lower fees and solid rewards. Pick the Disney® Inspire Visa® Card if you spend enough to justify the $149/yr fee through its premium benefits and higher earn rates.

Explore More

Disney® Inspire Visa® Card — Full Review All Chase Cards

IHG One Rewards Premier Credit Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.

Disney® Inspire Visa® Card vs IHG One Rewards Premier Credit Card

No image

Disney® Inspire Visa® Card

Chase

IHG One Rewards Premier Credit Card

Chase

Fees & Welcome Offer

Annual Fee

$149

$99

Welcome Bonus

—

175,000 Hotel

Earn Rates

Category	Disney® Inspire Visa® Card	IHG One Rewards Premier Credit Card
Disney Online	10X	3X
Ihg Hotels

Category-by-Category Winner

The IHG One Rewards Premier Credit Card wins in 6 of 7 categories. The Disney® Inspire Visa® Card leads in 1.

Disney Online

Disney® Inspire Visa® Card earns 10X vs 3X

Gas Stations

IHG One Rewards Premier Credit Card earns 5X vs 3X

Dining

IHG One Rewards Premier Credit Card earns 5X vs 2X

Grocery Stores

IHG One Rewards Premier Credit Card earns 3X vs 2X

Ihg Hotels

IHG One Rewards Premier Credit Card earns 10X vs 1X

Travel

IHG One Rewards Premier Credit Card earns 5X vs 1X

Everyday purchases

IHG One Rewards Premier Credit Card earns 3X on all other spending vs 1X

Is the Fee Difference Worth It?

Bottom line: The $50 difference is small enough that the Disney® Inspire Visa® Card's extra perks make it worth considering for most cardholders.

The Bottom Line

The IHG One Rewards Premier Credit Card has a lower annual fee ($99 vs $149), making it the more accessible option.

For everyday spending, the IHG One Rewards Premier Credit Card earns more with its 3X base rate.

Frequently Asked Questions

Is the Disney® Inspire Visa® Card worth the higher annual fee?: The Disney® Inspire Visa® Card costs $149/yr vs $99/yr for the IHG One Rewards Premier Credit Card. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Disney® Inspire Visa® Card or IHG One Rewards Premier Credit Card?: The IHG One Rewards Premier Credit Card has a higher base earn rate (3X vs 1X), but both cards have different bonus categories where they excel.
Should I get the Disney® Inspire Visa® Card or the IHG One Rewards Premier Credit Card?: Choose the IHG One Rewards Premier Credit Card if you want lower fees and solid rewards. Pick the Disney® Inspire Visa® Card if you spend enough to justify the $149/yr fee through its premium benefits and higher earn rates.

Explore More

Disney® Inspire Visa® Card — Full Review All Chase Cards

IHG One Rewards Premier Credit Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards

Disney® Inspire Visa® Card vs IHG One Rewards Premier Credit Card

No image

Disney® Inspire Visa® Card

Chase

IHG One Rewards Premier Credit Card

Chase

Fees & Welcome Offer

Annual Fee

$149

$99

Welcome Bonus

—

175,000 Hotel

Earn Rates

Category	Disney® Inspire Visa® Card	IHG One Rewards Premier Credit Card
Disney Online	10X	3X
Ihg Hotels

Category-by-Category Winner

The IHG One Rewards Premier Credit Card wins in 6 of 7 categories. The Disney® Inspire Visa® Card leads in 1.

Disney Online

Disney® Inspire Visa® Card earns 10X vs 3X

Gas Stations

IHG One Rewards Premier Credit Card earns 5X vs 3X

Dining

IHG One Rewards Premier Credit Card earns 5X vs 2X

Grocery Stores

IHG One Rewards Premier Credit Card earns 3X vs 2X

Ihg Hotels

IHG One Rewards Premier Credit Card earns 10X vs 1X

Travel

IHG One Rewards Premier Credit Card earns 5X vs 1X

Everyday purchases

IHG One Rewards Premier Credit Card earns 3X on all other spending vs 1X

Is the Fee Difference Worth It?

Bottom line: The $50 difference is small enough that the Disney® Inspire Visa® Card's extra perks make it worth considering for most cardholders.

The Bottom Line

The IHG One Rewards Premier Credit Card has a lower annual fee ($99 vs $149), making it the more accessible option.

For everyday spending, the IHG One Rewards Premier Credit Card earns more with its 3X base rate.

Frequently Asked Questions

Is the Disney® Inspire Visa® Card worth the higher annual fee?: The Disney® Inspire Visa® Card costs $149/yr vs $99/yr for the IHG One Rewards Premier Credit Card. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Disney® Inspire Visa® Card or IHG One Rewards Premier Credit Card?: The IHG One Rewards Premier Credit Card has a higher base earn rate (3X vs 1X), but both cards have different bonus categories where they excel.
Should I get the Disney® Inspire Visa® Card or the IHG One Rewards Premier Credit Card?: Choose the IHG One Rewards Premier Credit Card if you want lower fees and solid rewards. Pick the Disney® Inspire Visa® Card if you spend enough to justify the $149/yr fee through its premium benefits and higher earn rates.

Explore More

Disney® Inspire Visa® Card — Full Review All Chase Cards

IHG One Rewards Premier Credit Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards

Benefits & Features

Network

VISA

MASTERCARD

Key Benefits

None

✓Global Entry credit

Pros & Cons

Pros

—

+$99 annual fee is reasonable for included benefits
+Free night certificate (up to 40,000 points value) each anniversary
+10X points at IHG properties, 5X on dining, gas, and travel
+Automatic Platinum Elite status with room upgrades and welcome amenity
+Fourth night free on award stays effectively gives 25% discount

Cons

—

−Free night capped at 40,000 points excludes top-tier properties
−IHG points valued around 0.5 cents per point - lower than competitors
−No airport lounge access included
−$50 United TravelBank credit requires separate registration
−Diamond Elite through spend requires hefty $40K annual threshold

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Disney® Inspire Visa® Card means losing:

-Global Entry credit

Which Card Is Right for You?

Get the Disney® Inspire Visa® Card if you:

+Do most of your spending at grocery stores

Get the IHG One Rewards Premier Credit Card if you:

+Want strong rewards without a large annual fee commitment
+Prefer a high flat rate across all spending

Benefits & Features

Network

VISA

MASTERCARD

Key Benefits

None

✓Global Entry credit

Pros & Cons

Pros

—

+$99 annual fee is reasonable for included benefits
+Free night certificate (up to 40,000 points value) each anniversary
+10X points at IHG properties, 5X on dining, gas, and travel
+Automatic Platinum Elite status with room upgrades and welcome amenity
+Fourth night free on award stays effectively gives 25% discount

Cons

—

−Free night capped at 40,000 points excludes top-tier properties
−IHG points valued around 0.5 cents per point - lower than competitors
−No airport lounge access included
−$50 United TravelBank credit requires separate registration
−Diamond Elite through spend requires hefty $40K annual threshold

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Disney® Inspire Visa® Card means losing:

-Global Entry credit

Which Card Is Right for You?

Get the Disney® Inspire Visa® Card if you:

+Do most of your spending at grocery stores

Get the IHG One Rewards Premier Credit Card if you:

+Want strong rewards without a large annual fee commitment
+Prefer a high flat rate across all spending

Benefits & Features

Network

VISA

MASTERCARD

Key Benefits

None

✓Global Entry credit

Pros & Cons

Pros

—

+$99 annual fee is reasonable for included benefits
+Free night certificate (up to 40,000 points value) each anniversary
+10X points at IHG properties, 5X on dining, gas, and travel
+Automatic Platinum Elite status with room upgrades and welcome amenity
+Fourth night free on award stays effectively gives 25% discount

Cons

—

−Free night capped at 40,000 points excludes top-tier properties
−IHG points valued around 0.5 cents per point - lower than competitors
−No airport lounge access included
−$50 United TravelBank credit requires separate registration
−Diamond Elite through spend requires hefty $40K annual threshold

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Disney® Inspire Visa® Card means losing:

-Global Entry credit

Which Card Is Right for You?

Get the Disney® Inspire Visa® Card if you:

+Do most of your spending at grocery stores

Get the IHG One Rewards Premier Credit Card if you:

+Want strong rewards without a large annual fee commitment
+Prefer a high flat rate across all spending