"Stay at home mom". Yes, that happened to me too, so it's in my husband's name (but guess who pays the bills? ) Anyway, we use it strictly for the disney reward dollars. Charge it on things during the month that we'd already be spending $ on, and accumulate the reward dollars for our next DL trip. I think once we paid for a DL trip and got 6 months with no interest to pay off the trip. That's also a nice little perk.