re: New Credit card question:collecting points to use for Disney trip while building home

I would signup for a Capital One Savor card for you and your wife. You'll each get a $500 bonus when you spend $3K in the first 3 months. I've done it and the $500 is available within a day or two of hitting $3K. I'm going to do the same for my wife.

ETA: There is an annual fee that is waived for the first year so you may want to make a note to cancel the cards before you get hit with an annual fee.

Next you could sign up for Disney's card. When I did it you got a $200 gift card after spending $500 and a $50 gift card if you add an authorized user. You also get discounts on purchases in the park. I think it's 10% on purchases $75 or higher. I think you also get discounts on restaurants.

After that I would look at a 2% cash back card. I use Citi's Double Cash card. Right now it looks like it has $100 cash back after you spend $500 in 3 months. My wife and I used this for around a year and a half and used the cash back to pay for a trip to Universal.

Once you get the cash bonuses in each account you can get an additional discount by buying Disney gift cards from wholesale clubs like Sam's or BJ's. I buy them from BJ's and the discount is usually around 4% but I've seen it as high as 8%.

A website like Nerd Wallet or Doctor of Credit will tell you the cards with the best sign up bonuses.