At CA you get the free character meet and photo, I think they are open from 10 to 11:30. Go to Ariel's grotto and show your visa, they let you go downstairs (it isn't open yet) and you get a character meet and they take photo's and give you a coupon for a free photo. As I understand it, Micky and when we were there Goofey are there for the first 1/2 hour then chip and dale for the next, then Mickey and Goofey again. We got lucky and showed up at 10:30 and got all four. No one else was there and they spent a lot of time playing around with my dd who is 6. They also let you take your own pic's. It was so much fun.
Also, you get 10% off when you spend 50 or more at most stores. We save up our wants, and do all our shopping at once (love world of disney in downtown disney)