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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
—
Min spend
—

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

  • Disney Vacation Spend Bonus · $200
  • 2% Grocery & Dining Rewards · $192
  • 1% Base Rewards Rate · $120
  • 3% Disney & Gas Rewards · $102
  • Disney Theme Park Ticket Credit · $100
Full Chase Disney Inspire Visa review

Chase

United Club Business

Annual fee
$695
Network
visa
Welcome value
$600
Min spend
$5,000 / 3mo

Top earning rates

  • 2×United Airlines purchases · United MileagePlus
  • 1.5×all other purchases · United MileagePlus

Key benefits

  • Premier Qualifying Points (PQP) Earnings · $500
  • 1.5x Base Earning Rate · $375
  • United Club Membership · $325
  • Premier Access Travel Services · $200
  • Renowned Hotels and Resorts Credit · $200
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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