I'm considering annual passes and am wondering what the most cost efficient way to go would be. We have the Disney Visa, Target RedCard, and are a family of four. Other than interest free and earning points or the 5% for Disney gift cards, what other deals are out their for the Deluxe Pass? Can I pay with Disney gift cards? We live in Northern California so it looks like we are eligible for the payment plan after deposit, is this correct? If I purchase today but don't plan to visit for the first time until January, is my date now or January? How much is the discount for renewal? Thanks for any expert info. My searches haven't been very useful so far.