I would hang onto the USAA card forever and maybe transfer all the other cards to a low balance offer until paid off. I have a Pentagon Federal Credit Union card and I have heard USAA is just as good. This is the card you will use forever, once you are beyond carrying balances, and even then. Even though it is a higher percent than all the "deals" out there, it isn't going to skyrocket even if you are late with a payment. There aren't the hidden costs for balance transfer and they work for you, not against you. That is my experience. Unless you are really organized (and I surmise from all those miscellaneous balances that you probably are not), you should make it as simple on yourself as possible. My own opinion, based on my own experience.
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