I have to chime in: this past summer when we stayed at the Polynesian, we booked with a TA and before we used this agency, I called Visa to make sure we would get the 0% if we used an agency (and not booking Disney direct). All parties said yes. Fast forward. Visa sent us a letter saying our vacation didn't qualify. I spoke to several people at Visa and Disney. Different answer Depending who you got on the phone. They had no clue what was going on. I remained forceful and finally, while a Visa manager disagreed that we should have received the deal (saying you could only get it direct through Disney reservations) he relented due to the hassle and misinformation we received. So read the fine print, get confirmation in writing and make sure your TAs know what is applicable or not as well.