We don't use credit cards as a general rule, except to put a tank of gas or bill of groceries on and pay off immediately or to reserve hotel rooms. However, I did book our WDW trip last May with my credit card. I got an application in the mail for a Disney Premier Visa, and I am considering applying for it to help with future trips and to take advantage of the $200 gift card when you spend $500. We have a large purchase coming up so I could route it through the Disney card instead of paying outright for it to get the gift card and points. There is also no annual fee for the first year. So my question is, would it be worth it? Are the discounts and reward points easy to accumulate, or easy enough to justify using the card when I don't typically use credit cards? Any insight would be helpful. Thanks!