To add to what Steve has said about the Disney VISA, if you pay your bill in full every month, not counting the 0% portion, if you have any returns on the account, they will eat into your 0% balance. So if you are looking at paying it off at month 5, lets say, because you have some money coming due, you may be reducing that amount little by little every month.
Also, don't pay ahead for an expense that hasn't billed yet. I got nailed on this one. I bought something for work (a LOT of purchases for work go through my Disney VISA - usually amounting to over $400 of Disney Credits per year. Actually maxed out on Disney Dollars one year.

) and I put it in for reimbursement right away. Got the check and paid down before the billing. Well, when I got my bill, the payment went towards my 0% and then I had to come up with that payment again when the original charge was due (I pay in full every month).
Now what a lot of people do, and we just did this, is get a second card. Do only your vacations on one and use the other for everyday purchases. Plus, you get double the sign up points.
I would say, however, there are much better cards out there. If you plan on buying a car every 5 years (or have repairs - it's good for that too), look into the Citibank Driver's Edge card. The first year they give you 6% back on Gas, Grocery and Drug Store purchases. 1% on everything else. After the first year, you get 3% on those items. Max credit is $1,000 per year and those 3 areas are probably the biggest spending areas.
But if you like to have that extra for Disney expenses, then get the card.