[bluetidepro]

> I received an invite was reluctant to signup because there is an "inactivity fee"

From their site: "After 180 days (6 months) of inactivity, we charge a $5 monthly fee to avoid escheatment,..."

I think if you were to switch to Simple it would be very rare to not use your card for 180 days, but that's just my 2 cents. But yeah, I wouldn't switch to only have an "extra account" that would eventually hit that 180 day inactivity time.