I'm in literally the same position. Actually, I'm a tad creeped out because your situation is 100% the same as my husband's, including the fact that he would probably put 86 in a username, and it would be very freaky friday to accidentally run into him on the internet. We're just keeping his USAA Sig Visa open and not charging anything to it except for a small recurring monthly charge so we never have to worry about it being open ($6 for spotify or something). It's set up to auto pay so we never think about it, but it is useful in keeping our credit scores super high because "average age of account" is an important factor. Opening the Chase BA card, CSP, and CSR in the last year dragged our average age down, so it's really nice to have an outlier card that is 10+ years old to make up the difference.