For new cruisers just FYI, you can save a few bucks using Disney gift cards to pay off cruise, purchase future cruise or for your onboard account. You can get $500 face value gift cards at Sam's Club and BJ's Wholesale for $479.99 - $484.99. Sometimes they have sales that give even a bigger discount. Just FYI, you can save a few bucks and potentially a lot depending on how much you spend on your Disney cruises.