I don't use it for bill paying, but I do use it for gas, groceries, and any other shopping we do (in stores and online). We're also putting our bathroom remodel on it (that's about 28 DDRD). So far we have earned 81 DDRD. We average about 10-11 each month. So we should easily have 100-110 DDRD by the time I'm ready to cash out for our trip. That's enough for a few meals.
Oh, and we pay the entire balance every month.