I have just been doing something similar. This works for me:
<?
include("sql.php");
mysql_connect($hostname,$username,$tbpassword) or DIE("DATABASE FAILED TO RESPOND.");
mysql_select_db($dbName) or DIE("Database unavailable");
$result = mysql_query("select * from table");
$content =("Club Name, Link, Description\n");
while($row = mysql_fetch_array($result))
{
$q_mark="\"";
$club = $row["clubname"];
$link = $row["link"];
$des = $row["description"];
$des=$q_mark. $des . $q_mark;
$content = $content. $club ."," .$link .",".$des;
$content = $content. "\r";
}
header("Content-type: application/octetstream");
header("Content-disposition: filename=test.csv");
echo $content;
?>