My wife and I both have one and it has come in handy. We use it as a savings account for our Disney trips. We have the "premium" card so accrue more points. We're about to cash in on $1400 or so worth of points for a big trip in May, so hey, not too shabby. Plus we got our hotel for 35% off with the Disney Visa (they will occasionally run CDV only room discounts) and will definitely use the various percent discounts at retail, dining and Joffreys while we're there. All-in-all it'll save us quite a bit of money. Plus, I friggin love my Darth Vader card haha.