Not to knock the TIW for those who love it, but I don't understand where the "savings" comes from if you get 20% off, but they automatically add in 18% for gratuity.
Essentially you're paying $75 to save on tip + 2%...right?
Is there something I'm missing?
This is a popular misconception about the TIW program and it is probably best cleared up with an example using real numbers. Keep in mind, though, that this assumes that you tip 18% when you eat at a Disney restaurant. If you don't, like previous posters have said, then the TIW plan is not for you. But seeing as how tipping 18% is "customary" I feel like it's safe to use that for this example.
Scenario #1 No TIW:
You and your lovely significant other go out to eat at Via Napoli. You have some pizza, some salad, some wine and a dessert. It really is a lovely time. The bill comes and it is $100 exactly (what are the odds, right?). You pay the bill and leave an 18% tip, so you pay $118. Then you go enjoy Illuminations and have a wonderful time.
Scenario #2 TIW:
Same people, same restaurant, same food and drink. And again, by sheer coincidence, the bill comes and it's $100 on the nose. You hand over your TIW card and you immediately get a 20% discount. So now the bill is $80. Add in the 18% tip and your total bill is $94.40. You just saved $23.60 by using the TIW card. You then go enjoy Illuminations and have a wonderful time.
So as you can see, it's not a 2% savings, it's a 20% savings, just like it says. Whether the tip is added in automatically or if you add it in is irrelevant. You are still saving 20%. (Again, this applies only if you actually plan on tipping your server which, in my opinion, is a good idea).
So that's the example, hope it helps. One side note. It doesn't matter if they add in the tip before or after discount, the math works out the same.