I would say the only reason to keep the AmEx would be if you had credit limit concerns (due to things like travel). If you don't do much travel and your current VISA credit limit is ok, I would say skip the AmEx.I've always had great customer service with Discover, I get money back, I can pay the bill from the website, and there's no annual fee. (I also have a cash-back VISA for those places that won't accept Discover. Customer service is much iffier with my Bell Atlantic VISA though - I think Chase is running the program.)If you're concerned about credit limit, evaluate what your current limits are and whether or not they meet your needs. You might want to have two cards (many do) in case of emergencies or problems.-Megan
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