Should I close?

[MrMosby]

I have the Chase Freedom, CSP, and Ritz Carlton.

The Ritz and CSP overlap on a ton of benefits, should I transfer my CL from my CSP to my Ritz and close my CSP to save $100 on annual fees, or do you see a reason I should keep it open?

[RushXTC]

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@MrMosby wrote:

I have the Chase Freedom, CSP, and Ritz Carlton.

The Ritz and CSP overlap on a ton of benefits, should I transfer my CL from my CSP to my Ritz and close my CSP to save $100 on annual fees, or do you see a reason I should keep it open?

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If they have the same benefits and you're not in need of both of them, saving $100 a year is a good idea.

I'd say close the newest one.

[MrMosby]

Well I'd keep the new one because of the signup bonus.

The downside is I'd have over a $60K available credit on one card, which is a lot, and I lose points transfer for my Freedom (but I'm not sure if that's worth $100).