It’s worth it.
Of course you have to remember that they will automatically add an 18% tip.
So it’s almost a wash. But you get discounts on food AND alcoholic beverages.
You also get free valet parking at the hotel you’re eating at.
Then again, even if you didn’t have a 20% discount, you’re going to be responsible for a tip any way you look at it.
And yes, you do get the 20% discount (and no tip!!!) at the four value resort food courts and at the POFQ food court because those hotels do not have a sit down restaurant. There are a few restaurants that don’t take the TIW card, but now you can also use the TIW card at Fulton’s and Portobello in DTD and most of the restaurants at Swolphin (including Todd English’s bluezoo and Shula’s).