All comparisons
Head-to-head, 2026
Chase Disney Inspire Visa Chase United Quest
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
- 10×DisneyPlus.com, Hulu.com or Stream.ESPN.com · Disney Rewards Dollars
- 3×Gas stations and most other U.S. Disney locations · Disney Rewards Dollars
- 2×Grocery stores and restaurants · Disney Rewards Dollars
- 1×All other card purchases · Disney Rewards Dollars
Key benefits
- Lost Luggage Reimbursement · $500
- 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
- Purchase Protection · $0
Chase
United Quest
- Annual fee
- $350
- Network
- visa
- Welcome value
- —
- Min spend
- $4,000 / 3mo
Top earning rates
- 10×Eligible United flights · United MileagePlus
- 5×Hotel stays · United MileagePlus
- 4×United Card Events from Chase · MileagePlus
- 2×All other travel · United MileagePlus
Key benefits
- Free first and second checked bags · $440
- $200 annual United travel credit · $200
- Two global Economy Plus upgrades (Spend Tier) · $200
- Renowned Hotels and Resorts statement credit · $150
- JSX statement credit · $150
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.
Get my personal answer