I guess it depends on how often you plan on cashing in your points to get D$. I cash in at the lowest level lately, just because of being burned at FR & eTour. I got the WC plastic card thru FR when they offered it points there. But if you are going to be cashing in and redeeming alot, then perhaps the card is a better value than paying for S & H everytime you place an order, KWIM?
OT-I think I recognize your name from the new Suzykats forums-LOL! I'm mommycookie over there!
Karen