I have a credit card through my bank (in the US), which I've had for several years. I spent the last year outside of the US, so I got a second credit card from my bank - one with an annual fee (waived for the first year) which has no fee for international currency exchanges. Now that I'm back in the US, theoretically I'd like to cancel this credit card and avoid paying the annual fee when the full year is up.
I don't have any debt - I've paid both of the credit cards in full every month. The second credit card was purely for the utility of international currency, which is not a concern at all (and won't be any time in the near future). I will not be applying for any additional credit cards, the original card is fine now that I'm staying domestic.
I've read a bunch of related answers that don't quite answer my question - specifically, the accepted answer on this question goes into the most detail - Closing a credit card with an annual fee without hurting credit score?. It states, "Reducing your available credit will make your current debt look bigger...", but I'm not sure if that applies, because I have no debt to begin with.
If necessary, the fee is low enough that I'm comfortable paying it for a few years, if that helps avoid any damage to my credit score. So, should I close the card?