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Re: booking with a disney visa...
I personally have a Costco American Express card. There is no annual fee as long as I remain a Costco member (which I have to for work). It earns cash $$$, 3% for dining, 2% for travel, and 1% for most other purchases (I think I have that right). While I do love Disney, this gives me some flexibility in case I choose to stay off property or want to book a flight to DL.
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