Questions for PRG holders

[navyox]

Have you kept it long enough to pay the annual fee?  If not, are you planning on paying the annual fee?   What do you use your MR points for? 

After not getting a MR signup bonus, I'm really torn on whether to keep the card or not.   I like it a lot, and most of my spending is on gas and groceries, but my stable is growing in AF cards.  

[09Lexie]

Yes. I've used mine for travel -Delta and gift cards.

[enharu]

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@navyox wrote:

Have you kept it long enough to pay the annual fee?  If not, are you planning on paying the annual fee?   What do you use your MR points for? 

After not getting a MR signup bonus, I'm really torn on whether to keep the card or not.   I like it a lot, and most of my spending is on gas and groceries, but my stable is growing in AF cards.  

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I don't have a PRG.

It's hard to say whether it's worthwhile for you to keep it. Only you can answer this question.

The best way to utilize MR points is to transfer them to the partners, such as airlines and hotels. You will get the highest possible point value that way. However, if you don't travel, then I suppose you can redeem it for gift cards and such, which puts it at 1 cent per point (1% base, 2% for gas and supermarket, 3% airline). Not exactly a good deal especially when the AF is factored in. I would recommend you cancel and get other cards then. 

For gas and groceries, the BCP is your best option. 6% for groceries (6k cap), 3% for gas. There's an AF, but if you spend quite a bit on groceries it's easily worth the money.

The Amazon visa is no limit 2% for gas, groceries, restaurants and 3% for amazon. 

And there's also Sallie Mae, which is 5% for first 250 in gas, 250 in groceries, for each month.

[Repo-ed]

Cancelling mine before AF in Jan.

Hoping for another 100k MR Plat offer - so I can grab that card up.

[Hockeyplayrr]

I'm probably going to cancel and get the CSP in the future.  I don't travel much now so I linked my amex account to amazon for the MR redemption.  You only get $7 per 1000 points though

[takeshi74]

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@navyox wrote:

After not getting a MR signup bonus, I'm really torn on whether to keep the card or not.

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You can't rely on polling to answer such questions.  Worth is always subjective and you need to determine if the various aspects of the card justify the AF for you.  MR doesn't transfer to United so it's a non-starter for me.  YMMV as with any subjective matter.

[navyox]

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@takeshi74 wrote:

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@navyox wrote:

After not getting a MR signup bonus, I'm really torn on whether to keep the card or not.

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You can't rely on polling to answer such questions.  Worth is always subjective and you need to determine if the various aspects of the card justify the AF for you.  MR doesn't transfer to United so it's a non-starter for me.  YMMV as with any subjective matter.

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Of course, I am very aware that at the end of the day, the decision is mine alone.   However, I think there is value in seeing how others dealt with a similar decision and what their thought process was.   Perhaps, I'm overlooking a great use of the card or an important consideration in closing it. 

[09Lexie]

@Hockeyplayyr

The CSP isn't a good card if you don't travel.

[IcEWoLF]

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@09Lexie wrote:
@Hockeyplayyr

The CSP isn't a good card if you don't travel.

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For dining is good, but of course, you will have to dine out a whole lot to make up for the AF.

[09Lexie]

@IcEWoLF

A whole lot of dining out.