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Head-to-head, 2026

Chase Disney Inspire Visa Chase Sapphire Reserve

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Chase Disney Inspire VisaBigger welcome offer: Chase Sapphire Reserve

Chase

Disney Inspire Visa

Annual fee
$149
Network
visa
Welcome value
$500
Min spend
$1,000 / 3mo

Top earning rates

  • 5×Streaming Services · Disney Rewards Dollars
  • 2×Gas Stations · Disney Rewards Dollars
  • 2×Grocery Stores · Disney Rewards Dollars
  • 2×Restaurants · Disney Rewards Dollars

Key benefits

  • 200 Disney Rewards Dollars on resort and cruise spend (Spend Tier) · $200
  • U.S. Disney Theme Park ticket credit (Spend Tier) · $100
  • Disney streaming statement credit · $10
  • Baggage Delay Insurance · $0
  • No Foreign Transaction Fees · $0
Full Chase Disney Inspire Visa review

Chase

Sapphire Reserve

Annual fee
$795
Network
visa
Welcome value
$2,000
Min spend
$6,000 / 3mo

Top earning rates

  • 10×Eligible Peloton equipment and accessory purchases over $150
  • 8×Chase Travel purchases
  • 5×Lyft rides
  • 4×Flights and hotels booked direct

Key benefits

  • Common Carrier Travel Accident Insurance · $1000000
  • 24-Hour Travel Accident Insurance · $100000
  • Emergency Evacuation and Transportation · $100000
  • Auto Rental Collision Damage Waiver · $75000
  • Trip Cancellation and Interruption Insurance · $10000
Full Chase Sapphire Reserve review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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