To be honest we just charge everything to the card we used at check in with our KTTW card. I like having one big charge from Disney rather than multiple small charges. We did our dining out of pocket last time so there would have been a lot of charges. It's going to be even more convenient when we use magic bands next time.
Edited to add: our credit card has a really nice points system and we use it like a check card (pay it off every month) so we enjoyed getting lots of points on our last trip

it counts travel as 2x points and the big charge from Disney was considered travel.