I just swapped my PRG out. Annual fee was almost due, and I'm not getting a lot of value for the card. Another confirmation here that you can swap for other charge cards, but not for credit cards. Got a Zync. Will add a home pack later, and some of the free packs. The home pack is great for shopping at Lowe's, and should recoup the annual fee. Other promos, if they come up, will be icing on the cake (Sync $5 off 25 for certain brands of fuel, small biz saturday, etc).