VattenÃ© wrote:I still want to get in with Amex in 2014, though. Now I am thinking I will just go for the EveryDay. This will give me access to the MR system and I can do more research on it to see how beneficial I can make it for myself.
Sounds backwards to me. I'd suggest researching MR and then getting an MR card if you can make use of MR.
IIRC, like UR, maximum value is generally attained by transferring so you need to look at redemptions for the transfer partners. You can even just start with the list of partners to see if you can use them. I cany rule out MR for myself just on that basis. UR's partners are much more useful to me.
From your other thread:
VattenÃ© wrote:The BCE was actually the runner up to Discover back when I was deciding which prime card I wanted to go for first (the free FICO scores and my lack of supermarket spending is what pushed Discover over the edge for me). At this point, though, I feel like another cash back card won't really benefit me since I already have a strong one. Discover's cash back program is more versatile than Amex's, too.
You really just have to crunch the numbers instead of relying on feel. Consider the spend categories that Discover doesn't cover and your volume on those categories. It's really difficult to say what would benefit you more but you should have the numbers you need to make that assessment.
If you don't travel much and you don't have much travel spend I would guess that a miles/point card would not be a good fit. They generally benefit those who run large volumes of spend through them. I'm not as paranoid about nerfing as some others but I would still be hesitant to keep any significant amount of miles/points sitting in a rewards program for any length of time.
Again, crunch the numbers. It's possible that another cash back card may be best suited to you. Or that a miles/point card would work for you. There's just no telling with what has been provided so far.