I just paid for 6 people in full with 3 different Rewards cards. I have 5 Disney Visa cards and I took 3 of the Rewards cards with me last week. It took less than 2 weeks to get the cards and I loaded the cards on line. One of the cards I have had for a few years, they have a expiration date so don't put more on it than you plan to use. At check in you tell the CM that you are paying with the Disney Rewards card or cards, she scanned mine and applied them to the total of the Dining plan, I came out with a $11.00 credit which was applied to my account for purchases. I gave her a credit card for the room. The cards are reloaded online as needed for the next trip. We have a construction business and pay for material with them. There is no problem with using them at all. It is so nice to eat free.