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I have 4 (plus 3)
The plus three are my WF and Cap1 secures and my Zync. Both of the secured cards are getting the axe before my 2nd year starts in May 2014. I'll only keep open for 1 more year if they waive the AF. I dont count my Zync because its only $25, adds 21+ years to my AAoA and is a unicorn (I afford it special status )
The four I do count are:
1. Amex Delta Gold - I fly Delta a min of 4 times a year. Worth the price in priority boarding and free checked bag. Plus nice AAoA boost.
2. BCP - I commute an hour to work and between that and groceries its worth it. Ive gotten about $500 cash back this year on this card (got it Jan 2013). Plus the before mentions AAoA boost.
3. Arrival - I have $500 in rewards right now and got the card in March. Definately worth it.
4. NFCU Flagship Visa - Not really worth the AF as the reward structure stinks but the extra benefits are ok and my credit limit is insane (25k)
Just the Amex BCP - I considered cancelling it, but the offers as of late have made it worth the AF.
I did cancel the PRG earlier this year - I don't spend enough to justify keeping it.
Good questions. It's getting close for me to make a few decisions. I break it down into a few a catergories.
The one's I'm keeping for sure
CSP
Chase IHG
BCP (I currently have a BCE but will upgrade soon)
The one's I'm leaning toward keeping
Chase Mariott
Hyatt
United Explorer
The one's I'm leaning toward canceling
Delta
Hilton Reserve
Fairmont
What I'm cancelling (or downgrading)
AMEX PRG
Chase Ink
BOA Virgin Atlantic
PRG - will downgrade to Green, senior version if possible
United Explorer - even though I don't travel that much, I like the primary rental coverage and it's my only card with no foreign transaction fee, leaning towards keeping.
Amex Costco TE
Amex Plat
CSP
Palladium
Ritz
Marriott's Rewards Premier - will cancel next spring
Amex Plat.
BSP
CSP
Hilton Reserve - this might bite the dust becaue of the HH Gold stat. on the Amex Plat.
Jet BLue
Quicksilver
Delta Amex Gold
Amex Green NSPL
AMEX Delta Skymiles
Marriott Rewards
AMEX SPG
AirTran A+ Airways