How many credit cards do you actively use?

[Anonymous]

How many credit cards do you actively use?

We have 2- an Amex Platinum and a Chase Visa. I haven't wanted more because it's more to manage but I'm now thinking we should mix it up a bit and get some other credit card benefits.

How many do you have... is it enough or too much?

[Anonymous]

I have one credit card I actively use (Amex, pay it off every month) and one credit union Visa debit card I use either when I need to get cash out at the same time I'm buying something or if the vendor doesn't take Amex.

I have a work credit card I use a couple of times a year for travel.

[Anonymous]

We have three and I think two is easier. Amex Platinum (travel benefits), Costco Visa (we’ve had this one forever, some reasonable benefits, restaurants), and Amex Blue Cash Preferred (groceries)

[Anonymous]

Amex, Costco Visa, and my credit union card. The Amex gives 3% on groceries and online retail. The Costco Visa gives either 4% back on gas. Everything else goes on the credit union CC which gives 2% back on everything. I forget which cc gives the best cash back on travel but we don't travel often so I just look that up when I book hotels and plane tickets.

[Anonymous]

Amazon one for Amazon purchases (5-6% discount on everything)
Chase visa for everything else (1.5-5% cash back rotating categories)

[Anonymous]

One we actively use, one is an emergency backup if there is fraud on the regular card and they have to lock it.

[Anonymous]

3. CSR and Freedom Flex for most things, but DH has a hotel chain card that gives a free night every year + some benefits so we use it too.

[Anonymous]

I only have one. I have a low income and only got it because during a housing issue I had to go stay at a hotel and they didn't want to let me pay with a debit card, and you all yelled at me to get a credit card. I think there's a $400 limit on it.

[Anonymous]

OP, same as you: AmEx Platinum and Chase (Sapphire Reserve). AmEx gets travel bookings, the rest on Chase. Adding more cards adds too much mental load of which card to use when.

We do have a third card as backup in case a card gets stolen/compromised. I leave that in my hotel room when I travel, in case I'm pickpocketed.

[Anonymous]

One. Keeps it simple.

[Anonymous]

One account with 2 cards we use for 99% of purchases and use the points for travel, and I have a second one in just my name (a friend, who was divorcing at the time told me to do this year ago as she was having a hard time getting credit). I use the second one a couple of times a month - it's Chase, and when it's doing double points for gas, I'll use it for gas, double points for groceries, I'll use it for groceries, etc.

[Anonymous]

CSR, an airline card for an airline I fly weekly and Amazon

[Anonymous]

Chase Freedom Unlimited – everyday spending
Chase Sapphire Reserve – dining out and general travel
Chase IHG One Rewards Premier – IHG hotels
Chase United Club – most United airfare
Chase United Quest – occasional United airfare
Chase World of Hyatt – Hyatt hotels
Amex Hilton Honors Aspire – Hilton hotels
USAA Signature – backup

We earn enough rewards to take 3-4 family vacations per year with all airfare and hotel costs covered by points and miles. Five nights on average for four people. We only fly first class and stay in premium suites at upper tier hotels like Waldorf Astoria, Park Hyatt, and Intercontinental.

[Anonymous]

One. Alaska airlines visa gives a free companion travel ticket annually and miles on all purchases—I currently have about 250K miles.

[Anonymous]

Zero