Comments suggesting that
DVC 20% discount was meaningless because you could get the same with a free Disney Visa used to irk me. It was not the same. Visa came with a $50 minimum making it very tedious. I see they finally changed that part while dropping to only 10% discount. Probably because to stop the spurious comparisons
They were 2 totally different experiences though. With DVC: Want to buy a $35 t-shirt? Here’s a $7 discount - no strings attached. Or even a bottle of water at the resort market - pay one dollar less. With Visa: Didn’t take long for me to despise needing to contemplate every purchase and if/when it was worth trying to hit $50 or not.
DVC discount has been mush less effort, much more useful.
The best part of Disney Visa for us ended up being the character meets at EP. Those have all been great! And they have continued to accept my expired card lol.