Yes everyone is correct -
You only request the Disney VISA Dollars Reward Card once - takes about 1-2weeks to come in the mail, with your current Rewards Dollars balance. As you accumulate more Disney Rewards Dollars you can transfer them to that same card through the Chase/Disney website, they will be on the card in 24 hours. So go ahead now & request your initial Disney VISA Rewards Card. Then wait until a few days before your final payment is due, then transfer all that you have to pay off as much as you can. After that, just transfer the rest of the points to the card to use as a credit card inside the resorts or hotels. I'm looking at my card right now that we used in December & it says expires 12/07, so I had 1 year to use the points put on the card.
I hope this clarifies my earlier rambling post!
Also yes, Disney Dollars are something else, like gift certificates I believe.