Rewards Points on Cruise line

First you need to transfer your reward points to a redemption card. Take the redemption card to guest relations after you board the ship and have them apply the reward dollars to your ship board account. This will give you a credit on your shipboard account that would be used towards any purchases you make while on the ship.
 

Can I do the same thing with Disney gift cards?

Yes. Any funds you apply from Gift Cards and/or Disney Rewards Dollars are used after any OBC from Disney or a TA (if used), then any remaining balance on your shipboard account would be charged to the Credit Card you put file.

Make sure you keep the cards until after the cruise is over and you verify the remaining balance. If you don't spend enough on the cruise, they will credit the money back to the card(s).
 












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