i disagree. From March to May, i have accumulated $1200 in Disney reward dollars, plus the signup bonus of $100, all for about $100 in fees using it at Safeway stores on no-fee Paypower cards for MS. my main fees were in mixing in Univisions for gas points, and money order fees. My tickets to disney are paid for, for a family of 4 thanks to this. It just depends on what how you value it. The Barclay arrival is 2x too, which is good if youre going to book it all thru disney, but i already had flights and hotel done long ago.