If we assume your high spending is 4k/month and let's say the credit card company reports to the bureaus mid-month before they process last month's payment, then Chase might report you as having used 6k of your credit line currently. 6k is 30% of 20k. So I would say as long as closing the CSP card doesn't bring your total credit available across all cards uner 20k, you're safe to close it. If you're chasing sign up bonuses then odds are you want to be putting all your money on those cards. I wouldn't make charges on a card that gave me no bonus while I was churning other cards unless I was in the middle of a churn where there was no bonus to be had. Then maybe the card with the best rewards would get it. If the CFU card does that for you then it could be worth hanging on to. Of course you don't have to close the account, you can just let it sit there doing nothing. It was rare that CC companies closed idle accounts before the 2008-2009 meltdown. I know they close all kinds of idle accounts then but I don't know if that practice is still in place.