Maybe I can help a little here. We went to WDW from January 20 to January 26, 2019. We took 3 Disney gift cards (from the
Disney Store in West Edmonton Mall), each worth $500 CAN. During our stay and on 3 different days, I put one gift card towards our hotel account balance. Each time the US amount was exactly the same $377.07. On each of these days I checked a currency app and found that the rate Disney was giving us was a tiny bit better than the daily bank rate by about $2 US or so. Maybe during our stay they were using the same rate for the whole week? Who knows? Oh, we were staying at CBR if that matters, and please remember that not all CMs know that you have to enter the number on the card manually rather than swipe the magnetic strip. I found it very easy to do and on one occasion a CM in the lobby did my transaction on her iPad without me even needing to go to the counter.