I keep a card around like this. I use it once a year so they don't close it for inactivity, but it's a non-reward card so I don't use it day to day. It has a

I keep a card around like this. I use it once a year so they don't close it for inactivity, but it's a non-reward card so I don't use it day to day. It has a 8.50% APR from two decades ago, so I keep it around just in case. I can't really see where I'd actually need it, but it costs me nothing to keep it around.