I was just going to say the same thing. You'd have to deposit $25,000 in order to be hit with the $500 cap. It seems like way more than enough for most people, even to spend on a very expensive Disney vacation.
Even then, if you have $25,000 to spend on Disney, you probably can put that money into other investments and earn more than 2% a year on it.
Or better yet, this is what I would do: charge your entire vacation to a credit card that gives generous rewards. I recommend the Chase Sapphire Reserve which will give you 3 points per dollar spent on travel and dining. Just make sure you charge any merchandise to your room so that it counts as part of your hotel bill. Each point is worth 1.5 cents when redeemed on travel, so you're effectively getting $1,125 in value... a reward which you can spend on any travel, not just at Disney. This credit card has a very high annual fee, but for your first year you'll also get signup bonus points worth $750 and travel credits worth $300 (which can be spent on hotels, airlines, Uber, rental cars, etc.). That's a total of $2,175 which more than pays for the annual fee.
Obviously, if you're concerned about the $500 cap, you're spending more than $25K on on your vacation, so your rewards will be even higher than this number.
Much better than DVA where all the money is locked into an account that is interest-free and can only be spent at Disney.
