DV dollars/points

Firstly, if you want to redeem your Disney Credit card rewards, the easiest way is to do it through the credit card company. Contact the credit card company and redeem the credits you've earned. You can call them or do it online. Give yourself at least 3-4 weeks before your trip for your redemption card to arrive. If you don't redeem your rewards before your trip, you can pick up a redemption card at Guest services in the parks. I personally wouldn't want to wait to do it in the parks because you never know what kind of line you'll encounter at Guest services, and it's so easy to do it online. No resorts can redeem your rewards though.

Secondly, if you plan on using your disney credit card anywhere during your trip, you must have your card on you at all times for verification. The Disney visa website states very clearly that you must present your card when making a purchase, even if it is linked to a magic band. We use one of our Disney cc for every single purchase we make at WDW. We have used it hundreds of times and we have had to show the actual card every single time.

if you want to receive the discount using the Disney Visa, you must have the card on you for verification. If you don't care about the discount, and just want to charge back to your room, you will have a pin code you will need to punch in to verify your charge. We have only ever charged a few drinks back to our room once or twice, so maybe someone else can give you some better info.

Also as of the last time we were in WDW in May, to get the DVC Discount, AP Discount & Tables in Wonderland discounts you also have to have those cards on you as well to be able to show for verification.