With a credit card, you can carry a balance and accrue interest if necessary. Note this is not advised by me. The points game does not work well, if you are carrying a balance and accruing interest. See #4 in Let’s Get Started To Earning Free Travel.
Earn Disney Rewards Dollars when you use the card. These Rewards Dollars can be redeemed for Disney purchases such as
1. Merchandise at the Disney Store or DisneyStore.com
2. Hotel stays at Disney Resorts
3. Annual or seasonal Theme Park passes
4. Disney Vacation Club® annual dues
5. Dining Disney restaurants
$49 annual fee
Earn 1% on everyday card purchases. This equates to 1 Reward Dollar for every $100 spent on purchases.
Save 10% on select merchandise purchases of $50 or more at Disney Store and DisneyStore.com.