These cards are reaching their anniversary and I was wondering which ones should I keep and which ones should I close:

1) Chase Marriott
2) Chase IHG
3) Club Carlson
4) Citi AAdvantage

I think since IHG only has $49 fee, it is worth keeping considering it gives a free night every year. Club Carlson gives 40,000 points every anniversary and also the 3rd night is free. It also gives 5 points for every dollar spent, anywhere. All these benefits come with a $75 annual fee. Keep it?

Closing Citi and Marriott is a no-brainer, right?