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American Express

American Express Choice - 12,500 MR-S + $20 GCR

6 replies
Deal Expert
User avatar
Jan 12, 2017
23019 posts
6892 upvotes
Scarberia
12K mr points is like 120$ cash statement redemption?
*SIG: Ryzen R5 2600 cpu w/ ASrock B450M OCd to 4.0ghz@1.265v stock cooler 16gb ram win10 pro w/radeon rx460 rogers Gigabit<< xb1 gamertag: mikka2017 >>
Sr. Member
User avatar
Feb 1, 2017
500 posts
842 upvotes
I'm confused on the MR vs MR-s thing. I checked the page of the cobalt and a plat card and they both say the same thing "Membership Rewards tm" so how do you know which you are getting? If this were 12.5k aeroplan points, this would be really good.
Deal Fanatic
Mar 21, 2010
6737 posts
3998 upvotes
Toronto
ryokoseigo wrote: I'm confused on the MR vs MR-s thing. I checked the page of the cobalt and a plat card and they both say the same thing "Membership Rewards tm" so how do you know which you are getting? If this were 12.5k aeroplan points, this would be really good.
Cobalt is MR-S too. The traditional cards (gold, plat etc.) are regular MR. MR-S cannot be transferred directly to Aeroplan, you would have to transfer them to Bonvoy first and then from Bonvoy to Aeroplan (which means you get fewer Aeroplan than 1:1).

MR-S is 1c travel redemption or 0.7c non-travel redemption, or fixed travel rewards.
Deal Addict
Dec 4, 2008
2388 posts
2200 upvotes
So $120 in travel + $20 cash, no AF.

Or $84 non-travel + $20 cash = ~$104 cash, no AF.

Max $140 value for a credit check... worth it only if there are no other CC offers you can apply for atm.
Deal Addict
Apr 7, 2019
1858 posts
2304 upvotes
Beware cashback from GCR is not guaranteed. GCR denied cashback for my spouse's Amex SCP and has not given me cashback for Amex Bonvoy even after 3 weeks.
Vacationing
Deal Addict
User avatar
Jul 20, 2017
1285 posts
1568 upvotes
Kitchener
Cash value for MRS is 0.7 cpp atm. 12.5k *.7 = 8750 = $87.50

Only 1cpp for travel type spend.. However it's generally not wise to put lots of travel type spend on this card, or cobalt because:
-2.5% FX fee
-There are many higher earning options, it only earns 1x on travel, (cobalt 2x on travel, ).
(and much worse on this basic card)

Even for flights you can pay in CAD, not so great on this card because im sure it lacks any good insurance. (Cobalts good for that tho, it has all the good stuff including $500 delay insurance)

Though the last year they had 2 promos where they were at 1cpp:
Amex prepaid giftcards a cpl weeks ago
Straight cash statement credit during first coronavirus festival (~june last year)

So likely a long time until the next one.
Other options:
1.2x on xfer to marriott (Marriott points only worth around 0.9cpp in canada/us, but vastly higher in most other countries, my average is over 2.5cpp)
Amex fixed travel program - super not recommended. Amextravel.ca is not run by american express themself, its run by a horrible shady travel agency - uses switchfly tech but yea it sucks.

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