The Disney Visa Reward Dollars, are just that = dollars. So if you accumulate $100 'disney dollars', that equals $100 'regular' dollars so-to-speak.
Example: you want to purchase a 6 day park hopping, non expiring Magic Your Way ticket at the going prices of $267 and you happen to have accumulated $300 disney dollars. You can then use your rewards card to purchase your ticket and will be left with a balance of $33. The limitation is that you would need to use yur rewards card on disney property or the disney store.
The rewards card is used like a credit card, very easy. It can be used to pay for your hotel bill, souvenirs, eating out on property, etc.
You can use your Disney Visa rewards like you would Disney Dollars to pay for most anything at the parks. So, for example, if a ticket cost $50, you would need 50 disney visa dollars (dream reward dollars) to pay for the ticket. Hope that helps.
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