This post contains our repository of referral links, which we would appreciate if you used when opening a new card! Make sure you can’t find a better offer publicly or from friends and family. Also, take one minute to subscribe to our email list and share your referral links, too!

Evaluating whether to keep, downgrade, or cancel a credit card involves comparing the value of benefits used against the annual fee. If benefits exceed costs, retention may be wise. Utilize our cost-benefit analysis worksheets to help you quantify your decision!