If you have AmEx Platinum for Schwab, you can redeem your MR points at a fixed rate 1.1 cents/point towards cash.If you have any of the MR cards, you can redeem your MR points at a fixed rate about 1 cent/point towards air tickets on AmEx travel portal.If you use MR in this way, the value is about 1.6 cents/point. Other good options are: Air Canada (AC) (Star Alliance), Delta Air Lines (DL) (SkyTeam), British Airways (BA) (Oneworld), Asia Miles (Oneworld), Singapore Airlines (SQ) (Star Alliance), Flying Blue (SkyTeam), Virgin Atlantic (VS) (Non-alliance), etc. One of the most common and best way to use MR points is to 1:1 transfer them to All Nippon Airways (ANA, NH) miles (Star Alliance). If you have any of the MR cards, MR points can be transferred to some airline miles.In order to avoid losing your MR points, we recommend to keep the no annual fee AmEx ED. You will not lose the MR points on one card if you close the account, but you will lose all of the MR points if you close all of the MR cards. The MR points you earn on different MR cards will automatically go to the same MR account.You can earn MR points with AmEx ED, AmEx EDP, AmEx Green, AmEx Gold, AmEx Platinum, AmEx Platinum for Schwab, AmEx Platinum for Morgan Stanley, AmEx Blue Business Plus, AmEx Business Green, AmEx Business Gold, AmEx Business Platinum, etc.The 4x at supermarkets are limited within the United States.But the annual fee for 6 or more Additional Cards is $35 for each Card. There is no annual fee for up to 5 Additional Cards.$250 annual fee, not waived for the first year.Charge Cards have no pre-set spending limit.Note that Charge Card applications will also result in a Hard Pull, same as Credit Card applications. Charge card means that you don’t have an option to pay only minimum payment, you have to pay your balance in full on the due dates.
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