If you check at CVS or Walgreen I believe they have the Green Dot prepaid credit cards. You can research it online. If not you can just buy the Gift cards and load them up as a budget sort of way....
For off property, Best Western Lakeside, AAA members get $45.00/Night all year round. Right behind Animal Kindom and very little traffic. Lotus of restaurants nearby as well as a Walgreen. I usually stay at Pop Century prices permitting but if more than $60/Night then Best Western is my next choice...
GOOD LUCK