OK.. I have not been exposed to the DC program much. But interested in it as I read they have Primary rental car coverage, which I would use. Also going to Italy and will have a rental car there for a week (in the coutryside - not Rome)

I assume this works pretty much like any other Credit card, or am I wrong?

Are there any sign up bonuses?
What in annual cost?
How does one apply? I read no on line. Must you call to apply?

Any other comments appreciated. Thanks.