My Disney Card is also from Day 1 DVC Member, after accumulating points, when its time to go to Disney, I'll call and have the reward dollars added onto the a card I hold ( same as a credit card ), then I can use this while in Disney.
My daughter uses her Disney Credit card and charges all her family purchases throughout each month accumulating the $'s all year, and then pays her DVC dues off with the reward $'s. You wouldn't believe how many others have the same idea.
But keep in mind in order to benifit from the reward $'s you should pay the card off each month.