Small discounts here and there at restaurants are nice. What has really saved us money is the golf discount card. We have a foursome most times (two of us and two kids, so we get the whole bill!). We first bought the card ($80 or so?) after I had paid regular greens fees for the two of us on a spring morning (we were at WDW for a convention - bit of a boondoggle, but those were the days!). I asked the pro shop guy what the fee would be if we had the DVC discount card, and it turned out that I bought the card, paid for greens fees and received $50 back versus the greens fees I had originally paid that day. So, the card more than paid for itself in just one round for two of us. All the savings during our family vacation were an added bonus. The DVC golf discount is better than the DC or AP golf discounts, or any others that I have found for out of state residents. That said, I can't remember if we needed our actual membership card to purchase the DVC golf program card, or just our room key. The card is valid for one year from date of purchase, no matter where you are staying. We got discounts with is in Hilton Head, too.