I received an offer in the mail for a Gold card with MR, first year free, and 25K MR points. I currently have a blue card with an average $25-35K/yr spend. It is not clear that the gold card has any additional benefits over the blue card except the free 25K MR points. We normally use our MR points for retail gift cards. Are the free MR points worth it? Is there any benefit to keeping the Gold card after earning the free MR points given that the blue card has no annual fee?