If you plan to use a calling card, the lowest priced ones Ive seen are from Sam's club and Costco. ). 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 room bill for every one of those calls (this is their charge for any local or toll free number dialed). If you use the card at a payphone, there is a small surcharge (check your individual card for the specifics, but it is often $0.45 or $0.50 per call). I think that in either 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. (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 do use a calling card, check instructions on your card, or call the customer service number to find out how to make more than one call during a single transaction. Usually, once you dial the toll free number to access the long distance calling, after you complete your call (or if you get a busy signal), you can press a certain key(s) on the phone and it will allow you to place another call. By doing this, youll only pay once to access the toll-free number, if you hang up and dial the toll-free number again, it will be another $0.75 (or $0.45 or whatever the surcharge is).