They come pretty quickly, but no, they can't be used to book future travel, because Costco doesn't actually take the payment, they pass it to the cruise company to take the payment. So, if you can buy Disney cards at Costco, you can use them that way, but not to pay for booking travel.
Costco does not sell Disney gift cards, so no, you won't be able to put the savings directly toward another Disney vacation.
If you don't want to shop at Costco, you might want to consider using the shop card to buy their discounted gasoline. The shop card is accepted at the pump.
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