We have the Disney Visa card and I use it for pretty much anything that I can use it for: gas, groceries, going out to eat, etc. I figure that whatever we spend our money on, we're spending that money one way or the other, whether we pay cash, check or credit card, so if we're spending the money anyway, we may as well put it on the card and get points for it. As others have said, we pay it off every month which shouldn't be hard as long as you don't go out and spend a bunch of money just because you have a credit card.
Now, unless your November trip is a once in a lifetime thing, or you don't plan to go back for quite a while, I would suggest holding on to your points for a future trip. Unless you spend an awful lot of money each month, you're not gonna rack up that many points by November. My credit card bill is around $1500 or $1600 a month, which would be about 16 points per month. Between now and November, that would be about 160 points (dollars), which isn't really that much. We got our card in 2010, just in time for our April 2010 trip. In almost 2 years now, I have over 600 points accumulated and some of that is from some big spending we did last year, such as remodeling the bathroom, as well as putting our April 2011 trip on the card, as well as another vacation which we took to Mackinaw Island in Michigan. But barring big ticket items like vacations or home improvement projects, we would be gaining about 16 points or so per month. I'm putting this coming April trip on our card, as well as a shorter November trip, and I plan to cash out our points for our April 2013 trip to use to pay all of our dining. I'm hoping by next April, to have anywhere from 800 to 1,000 points, which can then make a big dent in the expenses of the trip. But a couple hundred bucks isn't going to make a huge dent, so I would suggest holding onto them for a year or two.
