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With the 3 cash back on dining and entertainment, this card makes a great option as a secondary card to maximize your returns in that category. Closing accounts also raises your credit utilization ratio (by taking away multiple lines of credit that factor into your overall average ratio), which can also lower your score. For example, if you are dreaming of using your airline rewards for a summer trip to Paris, then you won't want to earn points with Southwest Airlines, which doesn't offer any overseas flights. Only after doing that, apply for one. Seems like a no-brainer if you anticipate taking 1-2 WJ flights in 2019-2020.
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