No single, ideal number of credit cards will be perfect for everyone. Instead, the number of credit cards you should have is specific to your situation, preferences, goals, and financial health.
The types of transactions you use credit cards for may contribute to finding your ideal number of cards.
Adding more cards to your financial ecosystem can build your credit score in multiple ways, but it can also be detrimental in a few ways.
By carrying only one or two credit cards, you likely leave some rewards on the table. In exchange, you have fewer bills to track.
Fees are one of the most common ways credit cards can cause trouble, particularly for those with bad credit.
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