You can use a credit card, cash or gift cards to secure charging privileges on your KTTW card. Your bank card will work in the US, but you can't use it like you would a credit card, since every transaction requires your pin. You might be able to pre-pay a certain amount (like cash). Usually you will get (or can ask) for an invoice which will list all of your current charges. Then you can pay them off with your bank card to keep your charging privileges good. The total amount that you are allowed to charge this way will vary according to the level of the resort you are staying at.