I'm in the same boat. I often wonder would it be worth paying the huge annual fee for the upgraded card? It's so frustrating! I will say that the two Disney discount stores outside of the parks were a plethora of savings! It was like heaven. The huge stuffed animals that they sell for well over a hundred dollars were only $9.99! Sadly, I had to tell my boys no because I'd need more luggage to get it home!