We have a Disney Chase card and LOVE it! For every $100 you spend (and pay off) you get one Disney reward point. You can manage your rewards on their website. When you redeem the points they will send you a card that will act like a credit card and you can spend them at participating Disney stores/parks. I am assuming that you could use the card when you purchase your annual pass. We just redeemed 210 points and will use them on our trip this week. It is pretty easy to rack up the points, especially if you put your Disney trip on the card. And I agree...with the gas prices the way they are right now, you can rack up points pretty quickly that way too! Hope this helps!