Hi guys. I am considering applying for the Disney Visa so I can get a $40 Disney giftcard (offer for DLR AP holders). I also want to pay for my upcoming (May 2009) trip on the Visa to earn rewards dollars. I have looked online at the "terms and conditions" but there are some unanswered questions I have, and I was wondering if anyone could help me out before I apply for (yet another) credit card. 1. Disney Rewards is 1%, essentially, correct? $1/$100 spent. Is there an annual cap on how much you can earn? 2. Are there restrictions on where you can use the "rewards dollars". Specifically, at WDW locations. I would potentially use the dollars for meals (CS and TS). Are there any glaring omissions where these rewards dollars can NOT be used to pay? I assume any "non Disney" owned establishements are out, but any others I should be aware of? 3. What is the APR after the 0% intro APR?