We opened ours first (not premier, he didn't want to do annual fee, but he may change his mind, is it easy to upgrade?) in order to be able to join our parents for their anniversary DCL this year (which came 1 month after our 7 Day CCL and 3 days of Disney unexpectedly) so being able to use the 6 months interest free was literally the only chance we had of getting on that ship with them.
When we booked the cruise that way, we got the $50 on board credit, and when we got home, we had another $50 gift card waiting for us for spending a certain amount (Twinkie went to the spa and had a 'ball', and when everything went on shipboard account -on this card- she wrote me out a check, and wala! even more points!) and though we have only had it two months, we have accrued $66 Disney dollars so far. So that means that in addition to being able to take the cruise at all in the first place due to the financing, we have gotten $166 disney dollars value from it in our first 2 months. This is with the 1% card, not 2% premier card (though the 'math' i calculate every time I pay a power bill or buy a batter for my car etc would be a lot more fun if it was 2%...)
Given that we are enjoying using the Visa (and that seeing Nemo and Squirt perk us up every time knowing that it is stuff we have to buy and knowing that it gets us even closer to our next trip, tickets, or cruise), my honey decided that we will phase out all use of our Venture card (which has never gotten us ONE ticket! not a one!) and so we are concentrating on paying that guy off and then will refocus our efforts into the new Disney card, in which the more we get caught up, the more dollars we will get applied because it is now our primary use card.
My only sadness is that sam's won't take it! Everytime i go there, I spend $100. I have use MC for that.
<---sticking tongue out meanly at Sams club.
I get excited every month when I go to check my rewards!