@OmarGB9 wrote:
Depends on your needs/wants.
The CM is 1.5% CB on everything, much like the QS, but 1.5% is rather low by today's standards.
The ED earns MRs, whose value can vary wildly depending on how you redeem them.
If a person can get 1.5 cpp, ED earns:
1.5% base / 3% at supermarkets without the 20% bonus
1.8% base / 3.6% at supermarkets with the 20% bonus
Meanwhile, at that same 1.5 cpp valuation...
...Gold gives 6% on supermarkets (higher cap) and dining (with a big AF and lots of credits)
...EDP gives 2.25% / 6.75% at supermarkets with the 50% bonus
I'm cynical of ED because if a person can get a decent value from MRs, then they can probably get an even better overall value from a different Amex card.
*It's a card that lets people try MRs without needing to pay an annual fee (or to have a business). Qualitatively, I can see the appeal. But quantitatively, it just doesn't do anything well. It's a mediocre card without the superior service/rewards/perks/protections of the AF MR cards.
Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select
