The way I see it, I'm taking a run at Membership Rewards points now. My system is set up for accumulating max MR points (everyday preferred for bonus spend & now blue biz plus for all non-bonus spend). These points add to the generous sign up bonuses I received (100k personal plat, 30k everday pref, 20 blue biz plus). At some point I'll run out of MR sign up bonuses available to me and will switch to Chase, Starwood, Citi, etc. For now, enjoying MR and there are plenty of transfer partners to take advantage of.