Care to suggest any links? It was explained to me by a point-hoarder at work that once you close an account, it no longer is figured into the average. I'd like to know if he was wrong, haha. If so, I will just keep the Arrival+ and convert it to the fee-free version and never use it.

edit: i see that it is calculated for 10 years past closing date. Interesting. It seems I should definitely choose wisely if I get a 3rd card!

Anyone know if USAA would update a card or make me carry two? I qualify for their "preferred cash rewards" program rather than the regular cash rewards. I was thinking to get it, but wasn't sure if they'd "convert" my current account that is a decade or so old, or just add a new one, thereby lowering the age even further.