I love my DC. Even though I would have liked a higher CL, I couldn't care less about the 22.99% APR. I also don't mind the $25 minimum redemption as I like to save up my rewards for 6 to 12 months before cashing. I also don't care if I have to wait for the statement for the rewards to post, as long as I get it. All I know is I'm getting twice as much cash back on uncategorized spend as I did pre DC and I'm happy! 