I've spent many hours agonizing over which tickets to get and which discounts I can get! The 7 day hopper plus passes are a great bargain (IMHO)...it's like you get 4 passes into a water park, or something else, free! The one advantage that the tour companies offer is that they give you a bonus character breakfast with each pass purchased. The one watchout is, that if you are not booking air or hotel packages with them, there might be an administrative fee for issuing you the passes. When I called Sears Travel to inquire about Holiday House passes, I was told there would be a $27 fee. The Disney Club can be obtained on line, or over phone (1-800-654-6347). The cost is either $29 or $39 USD (if your company used to have the old program, you can get a brochure from them and get the lower cost). The DC is worth it for me as the difference in park passes and the National Car rental discount more than pays for the $46 Cdn charge. You also get 10% off
Disney store purchases with the DC card. Amex does have some discounts, but I don't think they are on park passes. I think this site has more info on that (try a search). Hope this helps. Jo-Anne