I didn't realize that Disney resorts were included among the hotels that you could use your points on. Doing a quick search for a night in early December for my dates shows that a standard room at ASMo goes for 10,044 points. That means that a family could get two of the credit cards, pay $198 for annual fees, and get 10 nights at Disney if they just make a few purchase with the card to grab the additional 440 points needed.