I am glad this got straight. I use the Disney Visa and Capital One. I thought The REWARDS are for charges actually made with the credit card, not anything else. Sometimes there are some "Interest Free" Activities from Disney, Packages for trips, things like that. I pay mine off every month too, but when I have a 6 month Interest free appear, I utilize it. If you write a check and use it, you do not get any rewards points for that. I shread those, as soon as they come in. I have one of my DVC's that the monthy payment is applied to my Disney Visa, I pay that every month, earn Disney points on that. Paid all my dues with it etc....