A disney dollar is just like a US dollar, except it can only be spent in WDW, at the World of Disney, etc. With the rewards Visa, you get one point per 100 dollars spent on the card, and one point is equal to one dollar on the reward card. After the points accumulate, you cash them in for a reward card, it looks like a Visa card, but it onlt has the amount of money on it that you have available in points. For some this is a good card, for others it isn't. I personally do not have one, nor will I ever as I don't have a job and they won't qualify me for one on my pension. The real benefit for me would be the year free of interenst if I could charge a cruise.