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

Disney® Inspire Visa® CardDisney® Inspire Visa® Card

Chase

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IHG One Rewards Premier Credit CardIHG One Rewards Premier Credit Card

Chase

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Annual Fee
$149
$150
Card Type
Personal
Personal
Rewards Currency
Disney Rewards Dollars
IHG One Rewards Points
Point Value
1.00¢/pt
0.50¢/pt
Base Earn Rate
1x
3x
Welcome Bonus
—
140,000 IHG One Rewards Points after $3,000 in 90 days

Effective return by category

CategoryDisney® Inspire Visa® CardIHG One Rewards Premier Credit Card
Streaming10.00%
10x
1.50%
3x
Gas Stations3.00%
3x
2.50%
5x
Groceries2.00%
2x
2.50%
5x
Dining & Restaurants2.00%
2x
2.50%
5x
Airfare1.00%
1x
2.50%
5x
Car Rentals1.00%
1x
2.50%
5x
Everything else1.00%
1x
1.50%
3x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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