So I have read through all this and the $90-100 cutoff for freedom makes sense. However, I will probably sell my UR points (or transfer them into CO points and sell them). Now my biggest expense by far is grocery shopping. So besides for the quarter where freedom has 5% for grocery shopping, would it make sense to use the AMEX Blue and get 6% back (6% grocery shopping, 3% gas and drugstore, 1% everything else)? Because even at $10 (for grocery shopping) for freedom= 22 points. If you would sell the UR for 1.9cpm that would equal $.0418. AMEX Blue for $10 would equal $.06! Only if you spend $5 then it becomes equal for both freedom and AMEX Blue (this is obviously NOT talking about during the 1st quarter of the year when its 5% for freedom because then freedom is the better card). Now I know that most people use the miles and dont sell so that would make sense to stay with UR (freedom etc) but if you are selling the points would it make sense to use the AMEX Blue for groceries instead of the freedom?