Probably depends on your rewards - if you have a Disney Visa, you will continue earning points to use for future trips. There is also a 10% off of $50 or greater purchases at certain locations, 10% off certain dining locations (just found out about this one on here!), 15% off some tours and spas, 10% off some recreation experience - you can check for list on Chase Disney Visa page. There is also 2 special photo spots, 1 in Epcot and 1 special line for Kylo Ren in HS for cardmembers.
If not a Disney Visa, no difference except if one gives better rewards for you.