Thanks for the info. I did read about DC requiring one to turn down all other coverages. In Italy, I think theft coverage is mandatory -- so I guess DC would not cover the car for me. So might as well use my Cr. Card which has secondary coverage??

Yes, sdsearch, I do fly WN a lot -- but also Lifetime Plat with AA which I am still using up my miles.... by the way, Argentina on AA Award is a super deal.

Back to topic, still not sure - sdsearch and yanxfann seem to diasagree. sd says not a credit card (more of a charge card like Penny's?) and yanx says it is a DC Mastercard. Guess that makes no difference to me as I pay off monthly anyway.

Thanks again for the feedback.