This is a great card for disney goers who do not run a balance. I put a lot of my spending on my card, and I pay it off at the end of each month, so no finance charge is accrued. I get a lot of disney dollars, and do so by spending what I normally would with any card. I also can put my vacation on my card, and have a little extra time to pay it off at 0% if I choose. I look at it as a win-win situation.