i don't have to worry about that because i always do a package.
ETA: its actually pretty clear and not in fine print.
As an ongoing card perk, you get a promotional APR of 0% for 6 months anytime you use your card to book select Disney vacation packages, Disney cruises, Adventures by Disney® packages, and Aulani, A Disney Resort & Spa, Ko Olina, Hawai'i vacation packages through the Walt Disney Travel Company, your travel agent or online at Disney sites. For new accounts, the standard purchase APR is 15.99% variable. Please refer to the applicable Pricing and Terms for details: Disney Premier Visa® Card pricing; Disney Rewards Visa® Card pricing. For existing accounts, please see your Cardmember Agreement.
True. I don't know your exact situation- did you book room-only because of a room discount? Are you purchasing tickets? It it works for you, you could cancel and re-book a package, while still having the discount applied to the room portion of the package.
Just one idea, and I know it may not fit your circumstances. I've been in your position before.