"Stashing" a card away might not be a good idea. Depending on your plans for credit in the next few years, it could negatively impact a credit application. If you've got, say, a $20K limit on the card with a zero balance and you apply for a mortgage, the lender will look at that 20K as a debt, because, potentially, you could run out tomorrow and max the card. If it's a small limit like $500, then who cares, but if it's a larger limit, and you might be looking for a mortgage, car loan, etc. in the future then you should consider closing it outright. Then sit tight and watch that cheque for $1 roll in!
