I will say that the universal gift card is a great option because you can add to one card everytime you want to and not worry about carrying around a bunch of Disney Dollars. But, you can't use them for vendors that walk around, like the balloons, light up toys and food sold during parades, etc. The biggest bonus is that if the gift card is lost or stolen you can get it replaced with the remaining amount if you have the receipt and card number, whereas if you lose the Disney Dollars they are just gone.