I have already paid for my annual fee with the Disney Plus/Hulu $10 mo credit, the credit for ticket purchasing and I'm almost to the credit for spending 2K at Disney resorts, restaurants, on property so I would say yes :)
9:23pm on 6/29/26 by
cdlla
If not playing the larger points game and a Disney person, for Liners is almost certainly worth the first year with the bonus and the potential resort & ticket rebates etc. especially if you play 2 player game by using spouse / friend referral link.
11:08pm on 6/29/26 by
JJT (staff)
After next year's annual fee hits you can reevaluate if the credits and points earning worked for you and if not just downgrade to the no fee card. :)
11:09pm on 6/29/26 by
JJT (staff)
If I have a yearly subscription to D+, can I still get the $10 per month credit? Does buying an AP count toward a ticket purchase?
7:12am on 6/30/26 by
vickiwaffles
AP counts as tickets but you'd only get a single $10 credit on the month the annual plan is billed.
7:25am on 6/30/26 by
HalfBludPrincess
But if you do monthly on D+, you earn 10% on the whole amount then get the $10 credit so for us doing the Hulu/D+ bundle with no ads at $19.99/mo, we get $2 in rewards dollars then the $10 credit so net it's only $8/mo.
7:29am on 6/30/26 by
HalfBludPrincess
i have it. And ive already earned the credits i can earn without being on property. I really should switch back to my sapphire reserve for a bit but there is just something about that gold mickey.... :p
7:56am on 6/30/26 by
Totsypooh
Definitely worth it for me. I got a $300 credit for spending a certain amt in my first few months. I get $10 off per month of my Disney Plus Hulu package, making the ticket spend amt will be easy since LLs count. Making the resort amt will be trickier.
8:30am on 6/30/26 by
evamarie320
Thanks for all the info. I have a dcl cruise that I have to pay in full at the end of July do I'm thinking this card might work for that.
9:39am on 6/30/26 by
vickiwaffles
One more tip: when many of us applied when it first came out, most people were approved in a day or two and had their cards a week later. Mine took longer because I had frozen my credit to prevent fraud. So you might want to unfreeze,then apply, then
10:42am on 6/30/26 by
evamarie320
refreeze if that applies to you.
10:42am on 6/30/26 by
evamarie320
@eva Good reminder! Everyone: ALL of your credit report profiles for you and your family should be frozen all the time and only thawed temporarily when applying for credit. Super easy to do these days and free.
11:37am on 6/30/26 by
JJT (staff)
I had actually forgotten my credit was frozen. And Inspire didn't contact me for a week to say please unfreeze. Here I thought I was t getting approved for some reason while everyone else was. ;(
11:55am on 6/30/26 by
evamarie320
How do we freeze? I've done it through the online identity theft program we use. Anywhere else?
1:46pm on 6/30/26 by
aliceinwonderla
I went directly to each of the three credit bureaus and did a freeze. They make it pretty easy.
1:57pm on 6/30/26 by
evamarie320
@alice When doing it DIY you create an account at each of the main credit bureaus: Experian, Equifax, and Transunion. Not sure how a 3rd party ID theft program works with those bureaus, I don't use one of those. :)
1:59pm on 6/30/26 by
JJT (staff)
I have mine frozen with each credit union. Went in and unfroze when applying for the Southwest card, then refroze. Did the same for mama when we needed her made the main cardholder as dad was removed from cards.
2:18pm on 6/30/26 by
utang44
Thanks!
2:22pm on 6/30/26 by
aliceinwonderla
I feel silly asking but what does freezing actually do?
4:34pm on 6/30/26 by
vickiwaffles
It keeps people (including you) from opening or trying to open any lines of credit, including credit cards.
5:39pm on 6/30/26 by
utang44
It means no one can get credit in your name. You can't if you want a new credit card. But also a fraudster can't open an acct using info they've stolen about you.
5:40pm on 6/30/26 by
evamarie320
My Chase card has a Lock Unlock button at top of Home Screen. Is that the same thing? Or does that prevent charges... which would be trouble on our trip
8:10pm on 6/30/26 by
Magicalday2011
That prevents charges. To freeze your credit, you have to do it with the credit unions themselves.
8:25pm on 6/30/26 by
utang44
Point of phrasing clarity here: credit unions are akin to local banks, credit bureaus maintain your credit report and is where you freeze them. :)
9:52pm on 6/30/26 by
JJT (staff)