Ahoy Kristin!
You're going to have a magical time on your December Disney Cruise! Not only will you get to enjoy all there is to see and do on the Disney Dream, but you'll be sailing on one of Disney Cruise Line's
Very Merrytime Cruises! With festive enhancements, entertainment and decorations, you're sure to get in the holiday spirit when you sail with Captain Mickey (and Santa!)
You can certainly apply Visa and/or Disney gift card as credits on your stateroom account. Simply visit Guest Services once you're onboard, and they'll be happy to apply the funds to your account. You can also apply cash if you like. Make sure you hang on to your gift cards - if you don't spend the entire balance by the end of your cruise, Disney Cruise Line can credit the balance back to your gift card.
You can also use Disney Gift Cards to make purchases in the onboard stores, without charging to your stateroom account.
Hope this helps with your planning and budgeting! Please let us know if you have any further questions as your sail date gets closer! - Diane W.