It is true that using your Disney Visa for every day expenses really increases your reward dollars. However, it is best utilized if you pay off your card every month as you would write a check for the bill you're putting on it. It takes a lot of discipline to do this, but if you can, your rewards dollars really accumulate fast. Try putting any big purchases that you are going to pay cash with on the Visa, then pay it off when the bill comes. Good luck.