Whatever your goals re, I would advise to keep your BofA credit card. It's the oldest credit card among all you have (23 years of credit history) - and it has a significant positive impact on your credit score. Your goals may change in life and if you decide in future that you need a loan (mortgage, auto-loan, etc), you want to make sure you approach a lender with the strongest credit score possible (your credit terms and interest levels will depend on credit score). If you cancel your BofA card, your oldest line of credit will become much younger which may result in a lower credit score. So I'd say - keep at least your BofA credit card.