Keeping only with retention?

[wasCB14]

Which cards do you still have only because you got a retention offer or three?

Do you consider yourself a bonus chaser/churner, or someone who gets cards with the intention of keeping and using them?

I mostly get cards with the intention of keeping them, but do a little bonus chasing.

I'll close Prestige once I get my 2018 airfare credit and offers dry up (assuming no major improvements).

CSP I expect to downgrade to FU. I likely don't use it enough to merit a statement credit.

Hyatt and Schwab Platinum, for which I happily pay the AFs, can fill their roles well enough.

[marty56]

Once I get a card I keep it.  The only card I don't use is my Chase Southwest Visa which has an AF.  I may close it since it doesn't really do anything for me.  All free cards are useful and no reason to close.

[MrDisco99]

I am straight up a bonus chaser.  However, I'll only get rid of a card if it's giving me negative value.  Most of my cards are keeper cards even if I only got them for a bonus.  And I have some cards that were only ever good as keeper cards (Synovus, Citi DC).

I have some cards with annual fees that I'll likely only keep past a year if they give me a retention offer.  Both my Amex charge cards are in that category.

I'll try for a retention offer on my Citi TY Premier and my hotel cards when they come up but I'm likely to keep at least some of them anyway.  I like the perks I get with the hotel cards which offset the AF pretty easily if I take advantage of them.  And if I keep the TYP for year two, I can get the bonus on a new one again the following year.

The Amex EDP is almost definitely a keeper regardless of its AF.

[BronzeTrader]

---

@marty56 wrote:

Once I get a card I keep it.  The only card I don't use is my Chase Southwest Visa which has an AF.  I may close it since it doesn't really do anything for me.  All free cards are useful and no reason to close.

---

I closed my Southwest because my return is negative.  The CSR betters it.