Just be careful with "saving up" your rewards points. I think they expire. Not sure if they only expire once you order the card or not but be aware that there is some type of expiration. Also, with the 5x promo, even though it's typically on gas & groceries, most gas and grocery purchases are classified as "other purchase" by Disney for classification purposes. It has to do with the way the business is recognized by Disney. I learned this the hard way, charging all of our gas and groceries to my card and wondering why I wasn't racking up the points to go with the purchases. I don't know, I don't really like the way Chase handles it's Disney Visa accounts...I always have problems getting the 0% promo rate for my vacations and the customer service reps are not helpful at all. The bill does not break down which purchases qualify for 0% and which are financed at a higher rate. It just seems like a lot of work for the cardholder to take advantage of the promo rates they offer.