1. You can use your reward points for anything Disney related. They can be used for your room, tickets (through Disney, not a 3rd party), popcorn on Main Street, the local Disney Store, etc. basically anywhere on property that has the ability to swipe a card. So that would leave out a few traveling kiosks, and any cash only places. You can also use the rewards for airline tickets (to anywhere, not just Disney) but you have to charge the tickets to your Visa and then request a credit to your bill using your points which can take a month or two. 2. There is always a public offer for signing up for the card. It can be found at www.disneyrewards.com. As for the higher offers, those are address/name specific and I don't know the secret to triggering one. They are similar to the PIN offers for trip discounts. If you receive one, it is specifically for you and no one else.