The
Disney Cruise ships are cashless, so any purchases made onboard are charged to your stateroom account. Most passengers place a credit card on their account at check-in. You can then stop by Guest Services to apply a gift card to your account after you have charged at least the amount you are using from the gift card. You could also use a gift card to purchase onboard credit online in advance of the cruise. Any remaining balance at the end of the cruise (or mid-cruise, once charges reach a certain amount) will be charged to the credit card on file.
If you prefer, you can place cash on your account at check-in. You will then be notified if more cash needs to be placed on your account during the cruise.