First, congrats on the progress you've made.  If I could go back I'd probably have done it with secured cards similar to what you've done. Does Cap1 graduate to unsecured?  You won't lose the history for 10 years if you close, but it'd be nice to not have to open another card to keep a few lines open for credit mix. I would bet it would be very easy to get the AF waived at the very least in the interim. Then you can look at graduating and then PCing to Cash Rewards. That BOA card looks really nice in your stable, so Id think Cap1 would work with you to get a cash rewards in the 2k+ range.

Edit: cap1 always pulls all 3. 

Current: EQ FICO 664, TU FICO 683, EX FICO 698 | Starting Score: 525 (05/2012) Starting total revolving credit: $1100 | Current total revolving credit: $7000 Inquiries (12 Months): EQ 3 TU 2 EX 2 | Most Recent: 1/8/2013

2013 Goals: New Car 700 Club AMEX Member

AMEX Gold NPSL DCU Visa $2000 Cap1 Cash Rewards $2000 BOA Platinum $600 WalMart $800