Most gas stations along the interstates now allow you to pay at the pump with a credit card. We found that most stations ONLY allow that at night-time, which is when I drive on long trips.
My debit card works as a credit card, though...so unless I run out of cash, I don't need a real credit card. I use my debit card for groceries, gas, and any time I don't have cash.
I got my credit card because I didn't have much credit history. What with buying and selling a house...I'm guessin' that counts for a lot more than a credit card would.
The only reason I can think of for keeping it is for times when I need money suddenly and don't have cash on hand, i.e. if I suddenly needed to fly out due to a family emergency. I could see keeping it for that IF there's no fee.
Guess I gotta call and find out, but I'm dreading it as they always try to talk ya into additional services and plans. Ugh.