Hi Kelsey and welcome back!
Not only is it NOT silly, it's wonderful that you are thinking ahead and planning for your future vacation to Walt Disney World! In my opinion, you can never start planning too early! I'm just thrilled to pieces that you've found the Moms Panel so helpful!
With a standard Chase card, you'll earn 1% back on your purchases. If you have the Premier card [with the $49 annual fee], you can earn 1%-2% back on your purchases depending on what types of purchases you make. You can absolutely use the
Disney Dream Reward Dollars to pay for Park tickets! So, depending on how often you use the card, you can really save up a good amount of points in five years! How ever many you have when you're ready to go on your trip will be really awesome to put toward the cost of your Park tickets!
My fellow Panelist, Kimberly L. answered a question the other day with lots more info on the
Disney Rewards Visa card as well, so be sure to check out her answer too!
I hope this helps, Kelsey! Keep the questions coming ~ I'm happy to help! :)
Have a Pixie Dusted day!
~Jackie