New Disney Visa "Inspire" card

[RuntheMouse]

Just got an invitation from Chase for the Disney Inspire and I was so excited for a minute that they changed their minds on my approval. But, turns out it is just an invitation to switch. So, no $300 gift card or $300 bonus later. What is interesting is it says, "Invitation to switch is valid through April 30, 2026."

Chase is just playing on FOMO. If you’re past a year on your card they will upgrade you whenever you ask as long as you qualify.

I just got that email “invite” as well. I wonder if the hard date is to see how many upgrades they can secure without dangling a carrot. I know in the last I’ve gotten spend bonuses for upgrading between the no fee and the premier card. I’m waiting it out!

 

[eticketplease]

I just got that email “invite” as well. I wonder if the hard date is to see how many upgrades they can secure without dangling a carrot. I know in the last I’ve gotten spend bonuses for upgrading between the no fee and the premier card. I’m waiting it out!

Apparently mine came yesterday afternoon as well. I clicked on the learn more and no upgrade bonus so I will join the que behind you and wait.

 

[buffalobasingal]

I just got that email “invite” as well. I wonder if the hard date is to see how many upgrades they can secure without dangling a carrot. I know in the last I’ve gotten spend bonuses for upgrading between the no fee and the premier card. I’m waiting it out!

Same here on waiting. I can save 5% with gift cards and 3% with other cards. So, I'm waiting to see if the $100 credit applies to special events tickets.

 

[BoilerBob]

Sorry if I missed in this long thread, but any idea if the financing will work for paying off a DCL cruise booked through Costco Travel? I have not received my card or membership packet yet.

 

[jenhelgren]

I believe you are free to downgrade at anytime though the banks frown upon that too if you haven't held the card for a year.

Is it best to wait the full year until your fee is charged if downgrading then? I did not close my basic Disney card and dont think the Inspire will be worth the 149 fee for me after this first year, so I have some time to think about it but I will mostly just keep the fee free card.

 

[eticketplease]

Is it best to wait the full year until your fee is charged if downgrading then? I did not close my basic Disney card and dont think the Inspire will be worth the 149 fee for me after this first year, so I have some time to think about it but I will mostly just keep the fee free card.

Yes if you are past a certain point its best to hold onto it since it's already been paid. After the AF is charged they will refund it if you call within a certain time frame, usually you have at least 30 days to get a full refund of it.

 

[#1Disfann]

I'm confused or am I missing something?

Are you just calling in general about the tickets or do you have an Inspire too that you purchased the tickets with as I didn't think the premier had a credit for them.

Hopefully I'm just confused lol

Sorry...mixed topics there. I did get the inspire and purchased the After Hours tickets with it so waiting to see if that triggers the 100 statement credit. The other was a non related comment that I would be downgrading my premier to the classic rewards since I didn't need 2 cards with an annual fee and then when I called to do that, I would ask about the statement credit on the inspire.

 

[eticketplease]

Sorry...mixed topics there. I did get the inspire and purchased the After Hours tickets with it so waiting to see if that triggers the 100 statement credit. The other was a non related comment that I would be downgrading my premier to the classic rewards since I didn't need 2 cards with an annual fee and then when I called to do that, I would ask about the statement credit on the inspire.

Thank you! I wanted to assume that was the case but then it's like maybe not

 

[eticketplease]

Sorry if I missed in this long thread, but any idea if the financing will work for paying off a DCL cruise booked through Costco Travel? I have not received my card or membership packet yet.

It should remain the same as before. Costco is just the TA in this case and not processing the CC charge and it will go through Disney to grant the 0% for 6 months.

 

[PolyRob]

Yes if you are past a certain point its best to hold onto it since it's already been paid. After the AF is charged they will refund it if you call within a certain time frame, usually you have at least 30 days to get a full refund of it.

Also noting if you live in MA you are required by law to get a pro-rated AF refund if you cancel after the banks grace period.

 

[MMSM]

Deleting both doesn't mean not having the number of the physical saved somewhere secure. It just prevents a card from being drained of your Disney account is hacked. If I were to lose the physical, I would address that by quickly adding it back to the Disney account (from the saved location, I use a password manager) then transferring the balance to another card in my possession.

Though I like doing, even better, what you already do: just charge to the folio as much as you can and pay it off the night beforeb with a gift card.

As to whether the CC is worth it without using the $200 credit, I think it might be if you max out the other two credits. Still a net savings if you don't already get D+ free with some other CC and can use $100 off tickets. Of course it's a lot better if you can max the $200--doesn't have to be in one stay!

So if. Get the e gift card it can be added to the physical just like how I always combine? Before I sign up I want to make sure that it can be used for dining or golf so if it’s like a regular e gift card I can add to my previous existing physical card?

 

[#1Disfann]

So if. Get the e gift card it can be added to the physical just like how I always combine? Before I sign up I want to make sure that it can be used for dining or golf so if it’s like a regular e gift card I can add to my previous existing physical card?

Yes. I immediately added mine to a physical card without issue.

 

[BoilerBob]

It should remain the same as before. Costco is just the TA in this case and not processing the CC charge and it will go through Disney to grant the 0% for 6 months.

Thanks, appreciate the comment. I assumed so since the deposit was charged through Disney as you said. I've only had a Disney debit and wanted to get a credit card so I didn't have to keep using my debit for discounts on my upcoming WDW, DCL, and Aulani trips and happened to time it at this new card's release.