Maybe I need to convince him we should get a Disney card and then convince him we need more Disney trips to use the perks.Not trying to convince you to apply, but if you think your family might cruise DCL again or visit WDW/DL in the future, the perks you get won't necessarily be one-time (perks do change over time, though). Plus, as long as you have the cash to pay off the balance in full on whatever you end up charging, you don't have to worry about interest charges. However, you do have to be disciplined enough not to charge for things you don't have the cash to cover when the statement arrives. Plus, you have to remember to pay on time to avoid fees. In general, as long as you pay off the balance, all credit cards perks/discounts are essentially freebies that help stretch your vacation dollars further.