MATIASGUARRO

Any benefit achieved with multiple credit cards ultimately depends on the cardholder and how they manage their finances. Some prefer to live without a credit card to avoid the temptation of spending money they don’t have. Some do well with only one card earning cash back, while others keep two cards serving different purposes: one for everyday expenses and one for special dining out or travel experiences.

Others—say, our entire staff—make a hobby out of maximizing rewards, particularly travel rewards. The veteran experts on our team keep binders full of credit cards and spreadsheets, managing annual fees and monthly payment due dates. There are many routes to take with credit card ownership, but it is ultimately each cardholder’s choice as to which and how many credit cards will suffice.