Not sure, but I thought you needed to use the card as your room charge. The advantage for me to using the card was that I got a rate of 94.00 a night at a moderate in July, but I needed to charge the room against my card. Maybe not really an advantage anymore because I just noticed that Disney is offering a Summer Saver with the same price at the moderates. That's okay with me, I'm still happy with my rate. At least it's not rack rate.