TIW

[MatzoBelle]

TIW saves $21.30 on every $100 (pre-tax and pre-discount) of qualifying food and beverage purchased. The $150 card therefore theoretically pays for itself if you purchase $704.23 worth of food and drink (pre-tax and pre-discount), and the Florida-resident $175 card pays for itself if you spend $821.60 (pre-tax and pre-discount).

The only two assumptions necessary are 1. that purchase of the card itself is not taxed (but I have no idea whether it is; if it is taxed, the break-even point is slightly higher) and 2. that the tip you leave on pre-discounted, pre-tax food with TIW is the same % as the tip you would have left without TIW, whether the default 18% or a higher amount.

None of this math addresses whether the normal AP discount is a better deal for any given person or family, but if you spend more than the amounts above (only at places that take TIW and not on excluded holidays, including Easter), you will always come out ahead with TIW.

 

[gharter]

We looked at the restaurants we wanted to eat at and the savings with the AP, DVC or TIW card. In the end, we used all 3 at different places. With a party of 4, we paid off the TIW card and saved money in under a week. The card will get used 2 more times before the year is up. Many of the restaurants that didn't take TIW took either AP or DVC, so we ended up saving at almost every meal.
For us, we loved being able to save 20% off drinks at most of the lounges that we could visit in the evening. It was our first time at TOTW and we loved it.
Just remember when using TIW card for a group, the card holder must pay for the entire group to get the discount.