I agree with BethR, Sam's club and Costco are the lowest priced calling cards I've seen. There is a charge whenever you use the card at a payphone (I think this is standard with all of the calling cards...and I think it is usually $0.45 or $0.50 per call). If you use the card to call from your room at a Disney resort, you won't incur a surcharge on your calling card, but a $0.75 charge will appear on your bill for every one of those calls (this is their charge for any local or toll free number dialed). Everybody wants some of your $$! I think that in both cases, you incur a charge even if your call isn't answered (because you did make a call to the toll-free number to access your account....even though you got no answer, or got a busy signal at the number you were trying to reach). Even with these charges, you'd have to make a lot of unsuccessful calls to come out worse than paying the per minute call for long distance from the resort. (In fact, at check-in this past August (at POR), I was given in info sheet that required my signature acknowledging that I had been informed of the phone charges at the resort, and the CM told me (and I think it was written in the info sheet) that if you dial direct long distance from your room, you will pay the highest per minute long distance charges allowed by law (and I think it was something like $9.00 per minute)). If you are not staying at a Disney resort, your hotel may offer "free local calls", and in that case, the toll-free call from your room to access your calling card account would likely be free.