If you have a resort + dining plan reservation at the time you're booking the ADR, they will take your reservation with a credit card guarantee rather than charging full price. (I have heard several stories that this does not work via the on-line system, you'll likely need to call WDW-DINE instead.)
Otherwise, if you pay in full in advance, you can get the amount refunded when you use credits to pick up your tickets. It may take a while to see the refund posted, though.
If you're on a CC guarantee, you can still choose credits or OOP at the time you pick up the tickets.