<prompt> Human: I have a credit card that Ive carried for more than 15 years. The rewards arent great earn 1 back in points that can be redeemed for gift cards and what not. I dont use it very often, only for purchases that I cant make on my Amex card its a Visa. It is set to automatically pay off every month. Also, it has a 49 annual fee, but I can use my points to cover the fee. My only other credit card is an Amex card that Ive had for about three years, which is also automatically paid off every month.The only argument for keeping the card is that I have such a long history with the card, and a very high spending max that I never come close to hitting. So, every year I make sure I charge enough on it to have enough points for the annual fee, and never have enough points to get any actual rewards. Would you cancel the card and get a different Visa with better rewards? I would lose all of that credit history and the high maximum balance, both of which benefit my credit. I have no plans to purchase a home or finance anything in the near future. I bought my car with cash two years ago, and am in a rent stabilized apartment that I love so dont have a mortgage.Annually I run about 6,000 if not less through the card, so could earn about 100 in cash back rewards if I go with a 2 cash back card with no annual fee, for example. Its not much to gain for the loss of credit history, but on the other hand, it seems like free money that Im just passing up every year to maintain this credit history.What would you do?Assistant: Check to see if the company has a no annual fee version. I was in the same situation and switched to a fee-free card and kept the account and credit history...but ditched the annual fee. Citibank AAdvantage -- ThankYou, for what its worth. Edit: fee-free not few-free. Darn you autocorrect. Human: I should have mentioned this - I called them last year but they did not have an option to switch to a no fee card!  <response>: In that case, call to close it. Who knows, maybe when you do that they will suddenly find a non-AF option... 