Character Spot is individual photos with Mickey, Minnie, and Goofy. Visa is a group photo with 2 characters, typical Minnie/Goofy or Pluto/Mickey, you won't know before you go in. Personally, I would start with Visa, then depending on who you get you can decide if you want C Spot. C Spot's line fluctuates throughout the day; sometimes you need the FP and sometimes you won't.
Are your three Visa three different numbers? If it's the same number on three cards, then it only counts as 1.