I would like the AP plan also, but would like the option to still put the payments on a credit card because I like to get the Southwest Rapid Reward Credits and I am not sure that would be allowed because MS does not allow monthly dues to be paid with a credit card (but will allow a bank draft).
So I always pay the dues in one payment on a card.
I prefer the SW card over the Disney card because to me it is a better value.
The average cost of a plane ticket to WDW is $225 or higher. I would have to spend $22,500 to get $225 worth of Disney Dollars on their Visa. On the SW Visa, I can spend $16,800 + $59 annual fee ($16,859) to get a flight value at $225 or higher--anywhere in the country. (You get 2 credits each year on your anniversary.) Plus, SW runs promos offering additional credits.
I know that depends on if you even fly to WDW or what the average plane ticket runs, but for us, it is a much better deal! Now if only I could put AP monthly payments on the SW card....