I used to have the Disney Card and paid bills with it and paid it off immediately just to get the rewards for things I was paying anyway, but I found the system they have set up with having to order a reward card and then the money expiring very "user unfriendly". It seemed I often went around and around on the website and had to call to get card and rewards transferred.
IT made me wonder if they do this to discourage use of points/rewards and due to the expirations, I bet lots of them go unused.
I loved using them in the parks, but felt it just took too much time and effort.
I just changed for a cash back and use my cash.