@holyrita will you be stacking to earn more than 10%?
Just saying,
5% is typical via Target, 10% is fine via RMN, again YMMV. If you can earn 15%-20% or more, that should be your goal.
The only time many will do 5% and/or 10% is if they plan on vacationing soon or if DVC dues are due. $500 is a lot of out of pocket (OOP) money, are there any offers in Post #1
Disney Deals that can save you more?
Oh, to answer your question, a few have done $500 with payout. Personally, I'm not sure I would take the risk.