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All comparisons
Head-to-head, 2026

Chase Disney Inspire Visa Chase United Club Business

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 Visa

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

United Club Business

Annual fee
$695
Network
visa
Welcome value
—
Min spend
$5,000 / 3mo

Top earning rates

  • 2×United purchases · United MileagePlus
  • 1.5×All other purchases · United MileagePlus

Key benefits

  • Free first and second checked bags · $300
  • JSX statement credit · $200
  • 2 global Economy Plus seat upgrades (Spend Tier) · $200
  • Renowned Hotels and Resorts credit · $200
  • Avis or Budget United travel credit · $100
Full Chase United Club Business 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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