It's a promotional offer for new cardholders. You need a code that's mailed in an application offer...you then give the code over the phone or online when you apply. Once you're approved for the card, if you charge $500 within the first three months, you receive a $200 Disney Gift Card. If you already have a Disney Visa, you unfortunately can't get this particular offer. If you don't have the card yet, sign up for a few Disney-related mailing lists, and you will likely get Disney Visa applications sent your way. Remember though, your offer has to mention the $200 Gift Card promotion...the promotions vary, or sometimes there's none offered at all.