If you have Discover credit card, don't miss the fact that DisneyStore.com is now one of their retail partners. You get 5% cash back if you buy anything online from DisneyStore.com using your Discover card. But you must access the DisneyStore website through the Discover card website.
Of course, the drawback here is that you don't get the special deals that are reserved only for Disney Visa card. But hey, that's the trade off you have to consider for yourself.