I agree with BobH. if this card is just for discounts on hotels and not park admissions (passes, etc.), it's not worth it. I don't carry a balance on my credit card, but I am looking for a new perks card. I have been using gmcard (mastercard) and discover card. I don't want the gmcard anymore since the only gm cars I like are saabs and gmcard won't honor the 5% rebates on saabs (saab is now owned by gm). I am hoping the disney card will have some nice perks. I charge everything and then pay it off each month, so perks are very important, lol.