I made the mistake a few years back when I much more of a rookie at all this to sign up for the Amex Zync card (the charge card under the green card). It actually paid off for a few years as since it was new they had this focus group where I could take a few quick surveys each month and they would send me $10-15 gift cards to Amazon a handful of times per year, more than covering the annual fee. Well that program stopped, the annual fee is due and I have just over 25K MR Express points. MR Express point, I believe, are basically the same as MR points though without the transfer partners. So now I am stuck with my decision, do I suck it up and pay the annual fee (only $25) even though I never use the card (my primary card is Chase Sapphire Pref), or do I cash in the points and then call and try to get a retention bonus or otherwise cancel? If the later what is the best thing to spend the points on? I was looking around and its seems that you were maybe getting .5 cents per point which I would prefer not to do. I believe that if I also signed up for a green card or above I could transfer the points out of MR though there are no really good signup bonus currently so I am reluctant to do that. Any thoughts?