Scratch MVD and replace with 1VGCs. For some reason MVD just ain't feelin' the love anymore. Increases the per $500 transaction cost by $1.04, but you just shift to a card with more than 1x on the transaction (Flexperks, HH, SPG, etc.).

BTW, MVD invited me to open another MVD so they really ain't feelin' the love any less, they just want to collect another card activation fee. While it would be profitable to MVD again (and again and again), there are just too many other trout ponds to dynamite.