Hi Emily,
A September vacation to Walt Disney World Resort sounds awesome. It's a great time to visit, especially since you'll be able to eat your way around the world during
Epcot International Food & Wine Festival. You don't want to miss all the tasting options, culinary demonstrations and seminars.
You can absolutely use different ways to pay for tips at a Table-Service restaurant, be it cash, credit cards,
Disney Rewards Redemption Card,
Disney Gift Cards, or even
MagicBand. You can also split the bill, or apply different meals to different accounts. Simply inform your server how much you want to charge to each account, and they'll take care of it accordingly.
Since you will be staying at a Disney Resort hotel, you can enable your MagicBand to allow for charging privileges. Any purchases you make (including paying for tips at a Table-Service restaurant) will be charged to your Resort hotel account. Then you can pay the balance of your hotel account by whatever methods you wish, including Disney Rewards Redemption Card and Disney Gift Cards.
Hope this helps, however if you have any other questions, don't hesitate to come back to the
Disney Parks Moms Panel.
Ricardo.