When I was single, I always got a refund. From the time I married, I've had to pay EVERY year. Hmmmmmmmmm...I thought there were advantages to being married! Ha ha! Since I'm in school and NOT working, I don't have to pay. Ha! A plus to being unemployed.
I tried to do that and found there is a HEFTY fee to pay by credit card. Certainly much more than the 1% you will earn in Disney rewards, unfortunately. I think it was 3.5%.
There is a form you can fill out to pay in installments. That way no credit card is needed. (Why incur all the interest, unless of course you were doing it just to get the Disney Rewards, and were planning to pay it off within the month.)