Disney Dream Rewards Dollars expire 60 billing cycles after they have been earned. They must be transferred to a Disney Rewards Card in order to be used.
You need a minimum of 20 Disney Dream Rewards Dollars to order a Disney Rewards Card. Once you have the card, you can transfer more Disney Dream Rewards Dollars to it in any amount of $10 or more.
Once it has been ordered, the Card and all the Disney Dream Rewards Dollars on it expire on Dec. 31 of the year folllowing the year in which it was ordered. So, if you ordered your Disney Rewards Card today, it would expire on Dec 31, 2005. It also means that if you were to transfer more Disney Dream Rewards Dollars to it on Dec 30, 2005, those would also expire on 12/31/2005.
The card can be used just about anywhere on WDW property but I would ask before expecting to use it at places like the DTD McDonald's or the ESPN Club. It never hurts to be sure. The Disney Dream Rewards Dollars each have a purchasing power equal to $1 USD.