That would be great!
Closest I can come in ideas, though, is doing surveys for paypal, then moving the money to your bank and using that to pay.
Just in case you don't know,
this is a good site to see all three Universal hotels at once, and it will show you the lowest rates available. If you throw "APH" into the code box, it will show you if there is an AP rate during your stay. If so, price out buying one AP (preferred or premier) for the trip, see if the total makes sense to you!
Also, if someone in your family travels a lot and can book their own hotels, you can look into using hotels.com. Every 10 nights you get a free night (averaged rate of those 10 nights), and Loews hotels do show up on that site sometimes. So you could use the free nights towards a stay there. (and if you belong to a rewards site that has hotels.com on it, click through and get rewards site rewards as well, as they are OK with double-dipping)