hehehe

I was comparing my DC to the Amex Gold 2% Cashback card.

Tier structure of Amex:
0.50% for [0;2,500)
1.00% for [2,500;5,000)
2.00% for [5,000;inf)

Given that there is no annual fee with the Amex, and there is a $99 fee with the DC, for all spending amounts, the Amex is more profitable. Even for transfers to proprietary FFPs, DC costs 2.125 cpm, which think is towards the high end.

On the other hand, there is the value of insurances that come with the card, as well as acceptability of MC. It's a personal decision for everyone, but going solely by the value of "rewards", the DC seems like a poor value.