New Disney Visa "Inspire" card

[eticketplease]

So… best to cancel the premier and request this one? Or apply in addittion?
Looking to improve chances of approval
Tks

It depends on your 5/24 status most likely. Several people hold the regular card and the premier I would try and hold onto the premier and apply new but that’s me.
After being approved, I would then downgrade the premiere in hopes they give another upgrade offer to me.

 

[DianaMB333]

Those $2000 would be cumulative in the year or a single transaction?

 

[DianaMB333]

It depends on your 5/24 status most likely. Several people hold the regular card and the premier I would try and hold onto the premier and apply new but that’s me.
After being approved, I would then downgrade the premiere in hopes they give another upgrade offer to me.

Thanks! I dont recall my 5/24 status.. will have to check..

But i’m curious, why keeping the regular one?

 

[eticketplease]

Thanks! I dont recall my 5/24 status.. will have to check..

But i’m curious, why keeping the regular one?

Just for upgrade purposes. Also for me DS is way under 18 and have an AU card to jump start credit history.

 

[eticketplease]

Those $2000 would be cumulative in the year or a single transaction?

From reading the terms, it looks like it’s cumulative to me

 

[eticketplease]

Yes, but it says Disney resort so my thinking is if you charge the room everything you can then pay with that card to get your $200 on $2000 a.k.a. 10% back plus your 3% earned on Disney purchases

Just looking more closely at the terms and it states folio charges qualify so this should definitely work.

“Qualifying Purchases include Resort hotel rates (including associated taxes and fees) and folio expenses and Resort vacation package purchases (including Theme Park tickets purchased as part of a vacation package).”

 

[Patmcpsu]

Yes, but it says Disney resort so my thinking is if you charge the room everything you can then pay with that card to get your $200 on $2000 a.k.a. 10% back plus your 3% earned on Disney purchases

The Disney cards have also offered "0% promo APR for 6 months on select Disney vacation packages" which applied to Direct DVC purchases, so I wouldn't interpret the wording too strictly. We'll have to wait for a straggler who hasn't paid their dues yet to apply for the card and give us their data point.

 

[LittleBitGoofy]

Finally! So I saw the signage last Tuesday which I guess means someone put it out on the wrong Tuesday.

Definitely could have met some of these spend requirements a week ago when we were there.

Anyone apply for it yet? I'm going to try for it since we have two more dvc direct payments coming up. But the question is whether to upgrade our Premier or try for a second Disney Visa. I'm getting a little burned out on the churning game by having so many cards out there.

 

[LittleBitGoofy]

Text at the top of the Chase site reads: "This product is available to you if you do not have any of these cards and have not received a new Cardmember bonus for any of these cards in the past 24 months."

So does that mean if I have Premier already that I can't also hold the Inspire card at the same time? It's saying the product being available to you, not just the bonus.

 

[tx911]

Just looking more closely at the terms and it states folio charges qualify so this should definitely work.

“Qualifying Purchases include Resort hotel rates (including associated taxes and fees) and folio expenses and Resort vacation package purchases (including Theme Park tickets purchased as part of a vacation package).”

I think I'm in on this. The monthly Disney+/Hulu credit alone pays for the annual fee.

 

[airjay75]

I applied. Got a “we need more time to review.” Not surprised. Have too many recent credit inquiries and they might also want me to reduce the credit limit on my Premier to get it approved. Will probably try to call later today and see if I can talk to someone. If it doesn’t go through, will probably just upgrade.

 

[airjay75]

Text at the top of the Chase site reads: "This product is available to you if you do not have any of these cards and have not received a new Cardmember bonus for any of these cards in the past 24 months."

So does that mean if I have Premier already that I can't also hold the Inspire card at the same time? It's saying the product being available to you, not just the bonus.

It says that at the top, but if you look at the offer fine print, it sounds like it is card by card. I figured I’d give it a shot. Last year, I received the sign up bonuses on both the regular and Premier (and both cards were applied for and approved within 1 week of each other).

 

[DCJ]

Nope. Same as it always has been since they added PYB to the Disney cards.

It is still on all cards but the higher cards can wipe out Airline tickets

https://disneyrewards.com/terms/

"Disney Rewards Dollars may be redeemed for a statement credit using Pay Yourself Back® toward purchases made with your Disney® Inspire Visa® Card or Disney® Premier Visa® Card at select merchants within the 90 days before the redemption request date. "

This is the statement I was referring to. It was the first time I have seen the Inspire card mentioned on the Chase site.

 

[tx911]

It says that at the top, but if you look at the offer fine print, it sounds like it is card by card. I figured I’d give it a shot. Last year, I received the sign up bonuses on both the regular and Premier (and both cards were applied for and approved within 1 week of each other).

I agree, the fine print says it applies if you don't already have this particular card.

I just got approved! Will cancel my Premier once this arrives.

 

[davidhr]

It looks decent if you can maximize the credits.

 

[airjay75]

I applied. Got a “we need more time to review.” Not surprised. Have too many recent credit inquiries and they might also want me to reduce the credit limit on my Premier to get it approved. Will probably try to call later today and see if I can talk to someone. If it doesn’t go through, will probably just upgrade.

I called. No dice for me - too many recently opened accounts. Not surprised. Also can't product change since both of my Disney Visas have been open less than a year. Oh well. I imagine I will pick it up at some point. Need to give my credit history some time to cool off.

 

[DianaMB333]

Got it!!
Hopefully it will arrive before my next trip on the 19th!

 

[tx911]

I agree, the fine print says it applies if you don't already have this particular card.

I just got approved! Will cancel my Premier once this arrives.

DGC received immediately via email

 

[Brian Noble]

I think I am a pass. I am already geting D+/Hulu (no ads) comped on a different card, and I am not 100% sure I'd hit $2K in folio spend per year, because it is just me and (sometimes) my partner. Neither mobile order nor lightning lane are charged to the room, I don't buy much merch, so that pretty much leaves table service dining. And without that $2K spend number, it's in the red for me.

I might track it this year and see, but I probably won't bother. I'm happy with my current portfolio, and if anything probably could trim annual fees rather than add.

 

[eticketplease]

The Disney cards have also offered "0% promo APR for 6 months on select Disney vacation packages" which applied to Direct DVC purchases, so I wouldn't interpret the wording too strictly. We'll have to wait for a straggler who hasn't paid their dues yet to apply for the card and give us their data point.

Well DVC is technically a "package" it is just for many years compared to a few nights. There are many different "packages" you don't have to have tickets for it to count. When I'm out of points I will book a "Room Only" package which is different then just a room reservation. It allows a $200 DP instead of the first night as the DP and qualifies for the 0%.

Dues do not qualify for the 0% so I don't think the $2,000 towards the Resorts or Cruises would count.

However it clearly states "Folio" so that would include anything that you charge to your room.
We always do this and then pay with gift cards but I might pay off my balance with the card until I have reached the $2K mark and then swap back to discounted Gift cards.