Ok, on my mind re: DVC and resorts and credit card benefits: every VDH and Aulani owner should consider the Disney Inspire Visa.
Why these two locations specifically? Because both have a Transient Occupancy Tax (TOT) that can be charged to your room, and it will count toward the Inspire’s annual $200 reward for spending toward $2000 on resorts in one year. You’ll also get 3% back with the card on the same purchases. Dues spending does not count toward this, nor do purchases of points or payments of DVC loans.
At each meal and store, get any applicable DVC discounts and charge the cost to your room too. Once you add on TOT, you’re going to be pretty close. If you do more than one trip within one year, you’ll almost certainly hit it. And you don’t have to play the Disney gift card game, except for spending above and beyond that amount (if you want).