For our honeymoon, DH and I are looking to stay at the Excellence Riviera Cancun for 7 nights. We want to use our new Disney Visa to book to earn points towards our Disney vacation in early 2014. Due to the credit limit on the card, we would have to book flights and hotel separately. Has anyone done this before? Is it really cost prohibitive or not make a difference? Can you still purchase trip insurance and make do an airport/hotel transfer? We have the cash to pay for the honeymoon, this would just help discount our next vacation :-) And we can't raise the credit limit on the card because we just got it. Any help would be appreciated.