First when you charge your vacation to Disney you have 6 months to pay it back interest free. When you get the rewards you have to apply for them and they mail you a card that contains your reward on the that card. It can be reloaded as you get more reward dollars as well as it does expire. It is great for meals throughout the park and to buy your treats while down there. Go the website for all the details and to apply for the card when your ready. Enjoy