Senior Contributor
jsucool76
Posts: 3,216
Registered: ‎12-11-2011
Re: Trade annual fee card for a no annual fee?
[ Edited ]

A) The plat has an AF (one of them has a 19$ and the other has a 39$ AF, the one with no AF is plat prestige which is a prime card) 

 

B) They will not let you change your card, they rarely do that to anyone. 

 

C) the $39 AF isn't really that much, you get 1% in rewards plus a 50% bonus (so effectively you get 1.5% on everything) and you dont have to spend that much to break even. 

 

 

Edit: Well you already opened it, you might as well keep it open for now. Closing an account down the road won't affect anything but your utilization. The account will continue to report for 10 years so your AAoA won't really be affected.