I make it a point to use our Disney Visa as much as possible through the year- all in anticipation of earning enough credit to pay for our meals while we are at WDW. I have nearly $500 already so our fall trip meals are now paid for

We don't use the dining plan since some days we only eat one big meal and lite snacks during the day. We figured it out and we would never benefit on the dining plan with our eating habits.