F&W Festival will take CC and room charges, but what we do to make it simpler for all concerned is we go to guest relations on our way in, (or at our resort), and purchase $50 in Disney Dollars on our CC. That way we still get the points/miles on our CC and keep it simple for the folks working at the F&W booths. It is not considered a cash advance on your CC.
We usually have less than $50 in real cash for our WDW trips. We only bring that for miscellanous tips outside of WDW.
Carol