Yes but then you’re looking at $2400 in annual fees and have to decide if that is worth it to you to get DM + 600k redeemable miles which depending on the destination might cover 3 domestic main cabin round trips for the whole family or would rather have the $48k in cash back. I guess on my calculation it wouldn’t be worth it for only 3-4 flights per year and I would spend on a different card but to each their own. With that volume of spend you could always have the reserve in the mix to get some skymiles in the bank.