18 even though Disney considers a 10 year old an adult, you have to be 18 to make a contract to rent a room. You do not need a credit card, I don't believe, I have not giving them a credit car, I have gone and bought gift cards from target with 5% back and continue to use them, paying it off monthly until we hit our 45 days. I believe you can do the same thing with a room only.