Hi, Tara!
You can absolutely pay for
gratuities at Table Service locations with your credit card. You can also use cash or
Disney Gift Cards. To simplify even more, you can use your MagicBand to pay for your gratuities as long as you have a credit card on file at your resort.
That
MagicBand truly is *magic!* It will serve as your room key, store your park ticket information, FastPass+ selections, use for boarding Magical Express at Orlando Airport, and like I just mentioned, even use your MagicBand to charge back to your room.
The only downside is that your MagicBand does not have any of its powers at home, so do not try opening the front door to your house with it, it simply will not work! If only a Fairy Godmother could wave her magic wand and make that happen!
Enjoy your stay in
Walt Disney World!
Cathy