For our Disney Cruise I booked onboard and got 10% off and a 200 OBC, then I fully paid it off with the Disney Visa and got an additional $50.00 OBC from the Disney Visa, so we will have 250.00 credit when we arrive to ship.
I also prepaid gratuities with the Disney Visa, to get rewards dollars for that.
Actually, I pay for everything with my Disney Visa to earn more rewards dollars. I pay this off each month.
Once you get your Disney Visa and start earning rewards dollars, you need to get a Disney Redemption Card, then transfer as many rewards dollars to this card to pay for Disney purchases, ect.
The only thing to remember is Disney Redemption dollars expire at the end of the year. So to make sure you don't lose them, buy Disney Gift cards with any remaining money you have on your redemption card. As Gift cards don't expire.
I know that is a lot to take in. But, it is so worth it. We earned $900.00 Disney Rewards dollars in about 18 months, and applied it all to a Panama Canal cruise next year.