When I called Chase to ask about what to do, at first they told me that Disney Rewards couldn't be used on
DCL (???) I called back a couple weeks later about another issue and was told this was bupkis, and this was his advice:
Call 4-6 weeks before the cruise to get the card, and either call your TA to add to your OBC or give to Guest Services onboard
If you used your card to pay for your cruise, make sure the $50 OBC is confirmed and in your account.
Ask about what other perks they can offer -- add'l OBC and even room upgrades. He said that Chase Disney LOVES to reward their card holders with extra treats when they are available. Considering we are travelling 'off season' in October he said there's a greater chance of some pixie dust coming our way. Not a guarantee, but oh wouldn't it be nice?
No matter what I posted here, I think it's definately worth calling and picking their brain about what Chase Disney offers -- we aren't great credit card users (we don't carry a balance, and only use it for $1,000+ purchases to get a big glob of reward dollars, so they are probably losing money on us...) but if you're a more active user, they may do more for you!!!
Have a great cruise!!!!