Hi Carly,
My family and I recently stayed at
Disney's Polynesian Villas & Bungalows and found it to be a lovely resort. The South Pacific theme is relaxing, and the ability to hop on the monorail to head to Magic Kingdom or Epcot is great!
I have good news for you. Guest who are not members of Disney Vacation Club are able to book both
deluxe studios and bungalows at Disney's Polynesian Villas & Bungalows using traditional payment method such as a credit card. I should let you know that these can be very sought after. Booking early and being flexible with your travel dates will be helpful in securing one.
Also, if you find that you enjoy vacationing at Walt Disney World and like the
deluxe villa accommodations, you might want to consider
becoming a Disney Vacation Club member. My family and I have enjoyed many vacations over the years to Walt Disney World with our Disney Vacation Club membership, and we love to hear "Welcome Home!" when we visit a Disney Vacation Club resort.
I hope that these thoughts are helpful for you, Carly. Have a great time planning your magical vacation, and please do let us know if you have any further questions.