Overall depends on what tickets you want. What is their price on UCT vs Disney? Then decide is 5x UR worth more than 3x UR plus the cash discount? I think CIP plus UCT will be best.
My example: 7 day hoppers for 2 adults
$1043.70 from Disney, $959.78 from UCT ($83.92 less)
If I bought GCs from Walgreens with my Freedom to pay, I'd earn 5218.5 URs worth $78.28 ($1043.70*5*.015cpp)
If I bought from UCT with CIP, I'd earn 2879 URs worth $43.19, plus save $83.92
I would have gone with CIP in this case.
ETA: Have had no trouble linking UCT tickets to
MDE