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

The Disney® Inspire Visa® Card costs $149/yr vs $0/yr for the United Gateway Card. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the Disney® Inspire Visa® Card or United Gateway Card?

The Disney® Inspire Visa® Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the Disney® Inspire Visa® Card have that the United Gateway Card doesn't?

The Disney® Inspire Visa® Card focuses on earn rates, while the United Gateway Card offers travel credits.

Should I get the Disney® Inspire Visa® Card or the United Gateway Card?

Choose the United Gateway 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 $0/yr for the United Gateway Card. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the Disney® Inspire Visa® Card or United Gateway Card?

The Disney® Inspire Visa® Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the Disney® Inspire Visa® Card have that the United Gateway Card doesn't?

The Disney® Inspire Visa® Card focuses on earn rates, while the United Gateway Card offers travel credits.

Should I get the Disney® Inspire Visa® Card or the United Gateway Card?

Choose the United Gateway 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 $0/yr for the United Gateway Card. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the Disney® Inspire Visa® Card or United Gateway Card?

The Disney® Inspire Visa® Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the Disney® Inspire Visa® Card have that the United Gateway Card doesn't?

The Disney® Inspire Visa® Card focuses on earn rates, while the United Gateway Card offers travel credits.

Should I get the Disney® Inspire Visa® Card or the United Gateway Card?

Choose the United Gateway 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 United Gateway Card

The United Gateway Card ($0/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

United Gateway Card

Chase

Fees & Welcome Offer

Annual Fee

$149

Welcome Bonus

—

30,000 Airline

Earn Rates

Category	Disney® Inspire Visa® Card	United Gateway Card
Disney Online	10X	1X
Gas Stations	3X

Category-by-Category Winner

Both cards win in 5 categories each — it comes down to which categories matter most to you.

Disney Online

Disney® Inspire Visa® Card earns 10X vs 1X

Gas Stations

Disney® Inspire Visa® Card earns 3X vs 2X

Us Disney

Disney® Inspire Visa® Card earns 3X vs 1X

Dining

Disney® Inspire Visa® Card earns 2X vs 1X

Grocery Stores

Disney® Inspire Visa® Card earns 2X vs 1X

United Purchases

United Gateway Card earns 2X vs 1X

Ridesharing

United Gateway Card earns 2X vs 1X

Tolls

United Gateway Card earns 2X vs 1X

Transit

United Gateway Card earns 2X vs 1X

The Bottom Line

The United Gateway Card has a lower annual fee ($0 vs $149), making it the more accessible option.

Choose the United Gateway 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 $0/yr for the United Gateway Card. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Disney® Inspire Visa® Card or United Gateway Card?: The Disney® Inspire Visa® Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the Disney® Inspire Visa® Card have that the United Gateway Card doesn't?: The Disney® Inspire Visa® Card focuses on earn rates, while the United Gateway Card offers travel credits.
Should I get the Disney® Inspire Visa® Card or the United Gateway Card?: Choose the United Gateway 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

United Gateway 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 United Gateway Card

No image

Disney® Inspire Visa® Card

Chase

United Gateway Card

Chase

Fees & Welcome Offer

Annual Fee

$149

Welcome Bonus

—

30,000 Airline

Earn Rates

Category	Disney® Inspire Visa® Card	United Gateway Card
Disney Online	10X	1X
Gas Stations	3X

Category-by-Category Winner

Both cards win in 5 categories each — it comes down to which categories matter most to you.

Disney Online

Disney® Inspire Visa® Card earns 10X vs 1X

Gas Stations

Disney® Inspire Visa® Card earns 3X vs 2X

Us Disney

Disney® Inspire Visa® Card earns 3X vs 1X

Dining

Disney® Inspire Visa® Card earns 2X vs 1X

Grocery Stores

Disney® Inspire Visa® Card earns 2X vs 1X

United Purchases

United Gateway Card earns 2X vs 1X

Ridesharing

United Gateway Card earns 2X vs 1X

Tolls

United Gateway Card earns 2X vs 1X

Transit

United Gateway Card earns 2X vs 1X

The Bottom Line

The United Gateway Card has a lower annual fee ($0 vs $149), making it the more accessible option.

Choose the United Gateway 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 $0/yr for the United Gateway Card. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Disney® Inspire Visa® Card or United Gateway Card?: The Disney® Inspire Visa® Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the Disney® Inspire Visa® Card have that the United Gateway Card doesn't?: The Disney® Inspire Visa® Card focuses on earn rates, while the United Gateway Card offers travel credits.
Should I get the Disney® Inspire Visa® Card or the United Gateway Card?: Choose the United Gateway 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

United Gateway Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards

Disney® Inspire Visa® Card vs United Gateway Card

No image

Disney® Inspire Visa® Card

Chase

United Gateway Card

Chase

Fees & Welcome Offer

Annual Fee

$149

Welcome Bonus

—

30,000 Airline

Earn Rates

Category	Disney® Inspire Visa® Card	United Gateway Card
Disney Online	10X	1X
Gas Stations	3X

Category-by-Category Winner

Both cards win in 5 categories each — it comes down to which categories matter most to you.

Disney Online

Disney® Inspire Visa® Card earns 10X vs 1X

Gas Stations

Disney® Inspire Visa® Card earns 3X vs 2X

Us Disney

Disney® Inspire Visa® Card earns 3X vs 1X

Dining

Disney® Inspire Visa® Card earns 2X vs 1X

Grocery Stores

Disney® Inspire Visa® Card earns 2X vs 1X

United Purchases

United Gateway Card earns 2X vs 1X

Ridesharing

United Gateway Card earns 2X vs 1X

Tolls

United Gateway Card earns 2X vs 1X

Transit

United Gateway Card earns 2X vs 1X

The Bottom Line

The United Gateway Card has a lower annual fee ($0 vs $149), making it the more accessible option.

Choose the United Gateway 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 $0/yr for the United Gateway Card. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Disney® Inspire Visa® Card or United Gateway Card?: The Disney® Inspire Visa® Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the Disney® Inspire Visa® Card have that the United Gateway Card doesn't?: The Disney® Inspire Visa® Card focuses on earn rates, while the United Gateway Card offers travel credits.
Should I get the Disney® Inspire Visa® Card or the United Gateway Card?: Choose the United Gateway 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

United Gateway Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards

Benefits & Features

Network

VISA

Key Benefits

None

✓Travel credit

✓Travel insurance

Pros & Cons

Pros

—

+No annual fee ever
+No foreign transaction fees
+2x miles on United purchases, gas stations, and local transit/rideshare
+25% back on United inflight purchases and Club premium drinks
+0% intro APR for 12 months on purchases

Cons

—

−No automatic free checked bags (must spend $10K to unlock)
−No priority boarding
−Lower earn rates than premium United cards (2x vs 3x/4x on United)
−No Global Entry/TSA PreCheck credit
−No annual travel credits

United Airlines

United Gateway Card earns 2X vs 1X

Is the Fee Difference Worth It?

The Disney® Inspire Visa® Card costs $149/yr — that's $149 more than the United Gateway Card (no annual fee). To justify that gap, you need to extract at least $149 in annual value from the card's higher earn rates and benefits.

Bottom line: The $149 difference is moderate. If you spend consistently on disney online and gas stations, the Disney® Inspire Visa® Card's higher earn rates and benefits can easily cover the gap.

What You Give Up

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

Choosing Disney® Inspire Visa® Card means losing:

-Annual travel credit
-Travel insurance

Which Card Is Right for You?

Get the Disney® Inspire Visa® Card if you:

+Spend $300+/month on restaurants and dining out
+Do most of your spending at grocery stores

Get the United Gateway Card if you:

+Want strong rewards without a large annual fee commitment

Benefits & Features

Network

VISA

Key Benefits

None

✓Travel credit

✓Travel insurance

Pros & Cons

Pros

—

+No annual fee ever
+No foreign transaction fees
+2x miles on United purchases, gas stations, and local transit/rideshare
+25% back on United inflight purchases and Club premium drinks
+0% intro APR for 12 months on purchases

Cons

—

−No automatic free checked bags (must spend $10K to unlock)
−No priority boarding
−Lower earn rates than premium United cards (2x vs 3x/4x on United)
−No Global Entry/TSA PreCheck credit
−No annual travel credits

United Airlines

United Gateway Card earns 2X vs 1X

Is the Fee Difference Worth It?

What You Give Up

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

Choosing Disney® Inspire Visa® Card means losing:

-Annual travel credit
-Travel insurance

Which Card Is Right for You?

Get the Disney® Inspire Visa® Card if you:

+Spend $300+/month on restaurants and dining out
+Do most of your spending at grocery stores

Get the United Gateway Card if you:

+Want strong rewards without a large annual fee commitment

Benefits & Features

Network

VISA

Key Benefits

None

✓Travel credit

✓Travel insurance

Pros & Cons

Pros

—

+No annual fee ever
+No foreign transaction fees
+2x miles on United purchases, gas stations, and local transit/rideshare
+25% back on United inflight purchases and Club premium drinks
+0% intro APR for 12 months on purchases

Cons

—

−No automatic free checked bags (must spend $10K to unlock)
−No priority boarding
−Lower earn rates than premium United cards (2x vs 3x/4x on United)
−No Global Entry/TSA PreCheck credit
−No annual travel credits

United Airlines

United Gateway Card earns 2X vs 1X

Is the Fee Difference Worth It?

What You Give Up

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

Choosing Disney® Inspire Visa® Card means losing:

-Annual travel credit
-Travel insurance

Which Card Is Right for You?

Get the Disney® Inspire Visa® Card if you:

+Spend $300+/month on restaurants and dining out
+Do most of your spending at grocery stores

Get the United Gateway Card if you:

+Want strong rewards without a large annual fee commitment