Originally Posted by tmiw

I know that the primary CDW coverage on DC's consumer cards used to have advantages over the CSR's, but the difference might not be as great now.

Anyway, at $95, I think DC is good as a "just in case" as there are still unattended terminals that auto-decline signature-only cards (although not nearly as many as there used to be), not to mention that it's possible that the "temporary" increases in contactless limits might in fact be temporary after all. I'm not sure it'd be nearly as justifiable if I had the higher-AF version, though, and if DC had apps for either open today I'm not sure I'd recommend for the casual traveler either. Especially since Apple and Google Pay will bypass most contactless limits overseas anyway (at the expense of possibly needing to buy a NFC capable device, of course, plus needing to keep it charged lest you be forced to insert and sign everywhere).