[Prudence]

I got a Disney Visa. It's not a huge, fantastic deal. It never will be. They want to make money. But Disney perks were cooler than the no perks I was getting with my Keybank Visa, so Disney it is. I like the 6 months no interest on Disney vacations (purchased through Disney or through a travel agent who purchases through them.)

As far as the negatives -- due date issues -- I've had that problem with every card company around. It's not particular. Although Bank One was particularly nasty, and they did run the Disney Visa. But they just got swallowed up by Chase, so maybe that will improve.

I figure, pick the card with the perks you'll most use.