robinb - That's exactly what I just did - ordered a card and put only $20 on it (wanted to see what the expiration date was) - card arrived in about a week - the points (20) on the card are good till 12/04. When I go down in Jan I'll call the # on the card and have more points transferred over just before I go - if I call again before I leave WDW I may even get my Jan points moved over to put towards my final bill. Our plan is to charge our meals to our room and use the rewards card to pay them off at check out or the day before(to insure they don't automatically put the charges on our CC again!).