Time to say goodbye to our Chase Disney credit card: What should we choose next for our middle-aged needs?
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Dec 02 2025
0mins
Source: MarketWatch
Current Credit Card Situation: The user has a Chase Disney Visa credit card that was useful when their children were younger but is no longer needed.
Desire for Change: They are considering switching to a different credit card that offers better benefits, including zero APR and cash back.
Other Credit Cards: The user already has other credit cards, including Discover and airline cards, and does not require additional credit.
Question About Closing Card: They are seeking advice on whether to close the Disney credit card or keep it.
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Analyst Views on JPM
Wall Street analysts forecast JPM stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for JPM is 341.38 USD with a low forecast of 260.00 USD and a high forecast of 400.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
19 Analyst Rating
11 Buy
7 Hold
1 Sell
Moderate Buy
Current: 322.100
Low
260.00
Averages
341.38
High
400.00
Current: 322.100
Low
260.00
Averages
341.38
High
400.00
About JPM
JPMorgan Chase & Co. is a financial holding company. The Company is engaged in investment banking, financial services for consumers and small businesses, commercial banking, financial transaction processing and asset management. The Company operates through three segments: Consumer & Community Banking (CCB), Commercial & Investment Bank (CIB), and Asset & Wealth Management (AWM). Its CCB segment offers products and services to consumers and small businesses through bank branches, ATMs, digital and telephone banking. Its CIB segment consists of banking and payments and markets and securities services, and offers a suite of investment banking, lending, payments, market-making, financing, custody and securities products and services to a global base of corporate and institutional clients. AWM segment offers investment and wealth management solutions. It offers multi-asset investment management solutions, retirement products and services, brokerage, custody, estate planning, and others.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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- Strong Earnings Report: In its Q4 2025 earnings report, JPMorgan posted an adjusted EPS of $5.23, surpassing the $5.00 consensus, with revenue reaching $46.77 billion, exceeding the $46.20 billion estimate, indicating robust profitability.
- Valuation Concerns: Despite the strong earnings, George noted that JPMorgan's stock trades near 3x tangible book value, suggesting limited margin for disappointment, thus making the risk/reward profile more reasonable but unattractive for new investments.
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- Market Size and Impact: With over $1.2 trillion in credit card debt held by Americans and current rates often between 25% and 30%, the proposal could restrict credit to only the most creditworthy borrowers, potentially affecting popular points and rewards systems.
- Legislative Hurdles and Industry Pushback: The proposal faces significant legislative hurdles and is unlikely to gain bipartisan support, compounded by the powerful lobbying efforts of the banking industry aimed at protecting their interests.
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- Rating Upgrade: Baird analyst David George upgraded JPMorgan Chase from Underperform to Neutral while maintaining a price target of $280, citing the bank's 'enviable capital position' as a key factor supporting this revision.
- Strong Earnings Report: In its Q4 2025 earnings report, JPMorgan posted an adjusted EPS of $5.23, surpassing the $5.00 consensus, with revenue reaching $46.77 billion, exceeding the $46.20 billion estimate, indicating robust profitability.
- Valuation Concerns: Despite the strong earnings, George noted that JPMorgan's stock trades near 3x tangible book value, suggesting limited margin for disappointment, thus making the risk/reward profile more reasonable but unattractive for new investments.
- Investment Banking Outlook: TD Cowen reiterated its Buy rating on JPMorgan with a price target of $400, despite a 4% drop in shares post-earnings, which analysts deemed 'unwarranted', highlighting a positive outlook for investment banking activity and loan growth in 2026.
See More
Vibrant Capital Launches New Platform with CEO Shadman Zafar
- Platform Launch: Vibrant Capital officially launches as an operator-led platform focused on translating artificial intelligence into measurable economic outcomes, aiming to enhance operational performance across industries by optimizing workflows.
- CEO Appointment: Shadman Zafar has been appointed as CEO, bringing extensive experience from executive roles in major firms, which is expected to drive innovation and market expansion for the company.
- Partnership Network: The Growth Partners Network introduced by Vibrant Capital will collaborate with AI-native companies to help enterprises achieve sustainable growth through repeatable deployment playbooks and market execution strategies, enhancing competitive positioning.
- Nonprofit Initiative: The CIO Fellows Society, a nonprofit initiative, aims to convene global technology executives to share responsible AI scaling practices, enhancing the execution capabilities of CIOs and promoting sustainable industry development.
See More
JPMorgan Sees Buying Opportunity in Software Stocks After Historic Drawdown
- Market Drawdown Analysis: JPMorgan highlights that the software sector has experienced the largest non-recessionary 12-month drawdown in over 30 years, with a market capitalization loss of $2 trillion, reducing its weight in the S&P 500 from 12% to 8.4%.
- Investment Opportunity Identification: Despite the turmoil caused by AI threats, JPMorgan believes the market has overreacted, with current valuations reflecting worst-case scenarios that are unlikely to materialize, especially in the next three to six months.
- Short-term Trading Strategy: The strategist notes that short interest in software stocks is at record levels, while a preference for AI semiconductors skews the risk balance towards an imminent rebound, prompting a recommendation for investors to increase exposure to high-quality software companies.
- Recommended Stock List: JPMorgan's rebound candidates include Microsoft, Snowflake, CrowdStrike, Zscaler, and ServiceNow, with Microsoft showing little change over the past 12 months but down 14% in 2026.
See More
Trump Proposes Cap on Credit Card Interest Rates
- Proposed Interest Rate Cap: President Trump has proposed a cap on credit card interest rates at 10% as part of his initiative to improve affordability for Americans, which could negatively impact revenue for credit card issuers like JPMorgan Chase and Capital One.
- Market Size and Impact: With over $1.2 trillion in credit card debt held by Americans and current rates often between 25% and 30%, the proposal could restrict credit to only the most creditworthy borrowers, potentially affecting popular points and rewards systems.
- Legislative Hurdles and Industry Pushback: The proposal faces significant legislative hurdles and is unlikely to gain bipartisan support, compounded by the powerful lobbying efforts of the banking industry aimed at protecting their interests.
- Visa and Mastercard's Competitive Edge: Unlike credit card issuers, Visa and Mastercard do not assume credit risk, and while the proposal may reduce credit card spending, these companies continue to earn fees from transactions, benefiting from a strong network effect and maintaining high profit margins.
See More
Alphabet Stock Remains a Top Pick as the Company Capitalizes on AI Opportunities.
- J.P. Morgan's Advice: J.P. Morgan reassures Alphabet investors regarding the company's ongoing significant capital expenditures.
- Investor Sentiment: The firm suggests that investors should not be alarmed by Alphabet's spending plans.
See More
SoFi Shares Drop 14% Post-Earnings, Insiders Increasing Their Holdings.
- SoFi Technologies Earnings Report: SoFi Technologies experienced a decline in its stock price following the release of its latest quarterly earnings report.
- Insider Transactions: The drop in shares was compounded by a series of insider transactions that occurred after the earnings announcement.
See More
