{"id":994,"date":"2023-01-06T22:38:23","date_gmt":"2023-01-06T22:38:23","guid":{"rendered":"https:\/\/www.lendnation.com\/how-many-credit-cards-should-i-have\/"},"modified":"2025-07-29T15:30:43","modified_gmt":"2025-07-29T15:30:43","slug":"how-many-credit-cards-should-i-have","status":"publish","type":"post","link":"https:\/\/www.lendnation.com\/blog\/article\/how-many-credit-cards-should-i-have\/","title":{"rendered":"How Many Credit Cards Should I Have?"},"content":{"rendered":"\n<article class=\"wp-block-group alignfull p-post-single is-layout-flow wp-block-group-is-layout-flow\">\n<header class=\"wp-block-group alignfull p-post-single-hero is-style-theme-subtle-light has-backgrounds-subtle-light-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center l-container is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-1f86b309 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__content has-global-padding is-layout-constrained wp-container-core-group-is-layout-a4fd459e wp-block-group-is-layout-constrained\"><div style=\"text-transform:uppercase; margin-top:0;margin-bottom:var(--wp--preset--spacing--60);\" class=\"theme-color-secondary t-date wp-block-post-date\"><time datetime=\"2023-01-06T22:38:23+00:00\">January, 2023<\/time><\/div>\n\n<h1 class=\"wp-block-post-title has-display-x-large-font-size\">How Many Credit Cards Should I Have?<\/h1>\n\n<div style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:0\" class=\"taxonomy-category wp-block-post-terms\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/category\/financial-tips\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--teal\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Financial Tips<\/span><\/a><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-a209ae40 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__media has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-587a7eb1 wp-block-group-is-layout-constrained\"><figure style=\"margin-top:0;margin-bottom:0;\" class=\"is-style-image-featured s-aspect-ratio-1-1 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2023\/01\/how-many-credit-cards-do-i-need.jpg?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2023\/01\/how-many-credit-cards-do-i-need.jpg 5332w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2023\/01\/how-many-credit-cards-do-i-need.jpg?resize=300,200 300w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2023\/01\/how-many-credit-cards-do-i-need.jpg?resize=768,512 768w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2023\/01\/how-many-credit-cards-do-i-need.jpg?resize=1024,683 1024w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2023\/01\/how-many-credit-cards-do-i-need.jpg?resize=1536,1024 1536w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2023\/01\/how-many-credit-cards-do-i-need.jpg?resize=2048,1365 2048w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2023\/01\/how-many-credit-cards-do-i-need.jpg?resize=1619,1080 1619w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n<\/header>\n\n\n\n<div class=\"wp-block-group p-post-single-body has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<h1 class=\"wp-block-heading\" id=\"h-how-many-credit-cards-is-too-many\"><strong>How Many Credit Cards Is Too Many?<\/strong><\/h1>\n\n\n\n<p>The average American has four <a href=\"https:\/\/www.investopedia.com\/financial-edge\/0711\/how-many-credit-cards-should-you-have.aspx\">credit cards<\/a>.<sup>1<\/sup> With so many card options and offers with tempting sign-up bonuses, it\u2019s easy to get carried away by applying for multiple credit cards. It\u2019s a smart idea to have at least one for convenience and building credit, but is it good to have more than one credit card? How many credit cards should you have? The answer depends on your own responsibilities and goals. If you\u2019re asking if you should open another credit card, you may want to weigh some of the pros and cons of having multiple credit cards.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-advantages-to-having-multiple-credit-cards\">Advantages to Having Multiple Credit Cards<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-increase-your-credit-score\"><strong style=\"font-size: 13px;\">Increase Your Credit Score<\/strong><\/h3>\n\n\n\n<p>Your credit utilization, or what percentage of your available credit you\u2019re using, makes up 30% of your <a href=\"https:\/\/www.investopedia.com\/financial-edge\/0711\/how-many-credit-cards-should-you-have.aspx\">credit score<\/a>.<sup>1<\/sup> Having multiple credit cards can actually <a href=\"https:\/\/www.lendnation.com\/blog\/article\/tips-to-build-a-good-credit-score\">boost your credit score<\/a> by bringing down your credit utilization. If you only have one credit card and you\u2019re spending close to your limit each month, you may have a lower credit score than if you were splitting costs between two credit cards and only using part of your credit limit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-maximize-rewards-from-different-credit-cards\"><strong>Maximize Rewards from Different Credit Cards<\/strong><\/h3>\n\n\n\n<p>Most credit cards offer some form of rewards. Some cards are geared toward travelers, so they offer rewards in the form of airline miles. Other cards reward points per dollar spent, to use towards future purchases. On a fixed rewards card, all purchases earn points equally, but on a tiered credit card, certain kinds of purchases are worth more. For example, swiping a credit card on a dining purchase may earn you more points than shopping at the <a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/how-many-credit-cards-should-i-have\/\">drugstore<\/a>.<sup>2<\/sup> The most common and flexible type of credit card reward is cash back, which refunds a portion of money spent. Knowing how you spend your money can help you choose a card that supports your goals.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-have-a-backup-in-case-of-emergencies\"><strong>Have a Backup in Case of Emergencies<\/strong><\/h3>\n\n\n\n<p>The most practical reason to have more than one credit card is to have a backup in case one is lost or stolen or if you find yourself in a <a href=\"https:\/\/www.lendnation.com\/blog\/article\/how-to-deal-with-a-financial-emergency\">financial emergency<\/a>. You can often get a replacement card within a few days, but a second credit card ensures you have something else to hold you over in the <a href=\"https:\/\/www.investopedia.com\/financial-edge\/0711\/how-many-credit-cards-should-you-have.aspx\">meantime<\/a>.<sup>1<\/sup><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-risks-to-having-multiple-credit-cards\"><strong>Risks to Having Multiple Credit Cards<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-it-s-easier-to-lose-track-of-your-balances-and-payments\"><strong>It\u2019s Easier to Lose Track of Your Balances and Payments<\/strong><\/h3>\n\n\n\n<p>Having<strong> <\/strong>several credit cards also means having several different payment due dates and statements to track. If you\u2019re not organized, you might <a href=\"https:\/\/www.lendnation.com\/blog\/article\/how-to-avoid-late-fees-and-penalties\">miss a payment<\/a> and accidentally rack up interest and late fees. Set all your credit card due dates, if you can, to the same day to make it easier to stay on top of your <a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/how-many-credit-cards-should-i-have\/\">balance<\/a>.<sup>2<\/sup><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-the-annual-fees-can-add-up\"><strong>The Annual Fees Can Add Up<\/strong><\/h3>\n\n\n\n<p>Many credit cards charge an annual fee. If you have several different credit cards, you\u2019ll want to be sure you\u2019re really using each card and making the most of the benefits in order to make the fees worth it.&nbsp; There are also cards that charge no annual fees that might better suit your needs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-opening-too-many-credit-cards-in-a-matter-of-months-can-look-suspicious\"><strong>Opening Too Many Credit Cards in a Matter of Months Can Look Suspicious<\/strong><\/h3>\n\n\n\n<p>When it comes to multiple credit cards, it\u2019s important to allow time to pass before applying for the next card. Applying for too many lines of credit at once can make you look like a risk to <a href=\"https:\/\/www.investopedia.com\/articles\/personal-finance\/082516\/why-too-many-credit-cards-can-hurt-your-credit-score.asp#:~:text=Having%20too%20many%20outstanding%20credit,more%20potentially%20risky%20to%20lenders.&amp;text=You%20can%20boost%20your%20score,lower%20your%20overall%20utilization%20ratio.\">creditors<\/a>.<sup>5<\/sup> Your credit score temporarily drops a few points when you apply for a new credit card, and if you open several at once, this can make a big difference in your credit <a href=\"https:\/\/www.nerdwallet.com\/article\/finance\/how-many-credit-cards\">score<\/a>.<sup>4<\/sup> Not only can your credit score suffer, but you may find it more difficult to manage several new credit cards at once.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-is-it-bad-to-have-too-many-credit-cards\"><strong>Is It Bad to Have Too Many Credit Cards?<\/strong><\/h2>\n\n\n\n<p>There\u2019s no real limit to how many credit cards you can have. If you\u2019re keeping up with the payments and using all of them regularly, there\u2019s no reason you can\u2019t open another credit card.<\/p>\n\n\n\n<p>However, if you\u2019re in any debt, now may not be the time to open a credit card. Having a bad credit score will make it harder to get approved. Plus, a new credit card can easily hurt your finances <a href=\"https:\/\/www.bankrate.com\/finance\/credit-cards\/best-time-to-apply-for-a-credit-card\/\">even more<\/a>.<sup>3<\/sup> If you need cash right now, LendNation\u2019s <a href=\"https:\/\/www.lendnation.com\/MyAccount\/#!\/registration\">online cash advance options<\/a> can help you improve your money situation and get your debt under control.&nbsp; If a cash advance isn\u2019t for you, we have other flexible money solutions to help. All it takes is filling out a quick <a href=\"https:\/\/www.lendnation.com\/MyAccount\/#!\/registration\">application online<\/a> or stopping by any one of our <a href=\"https:\/\/www.lendnation.com\/location\/search\">convenient locations<\/a> to get started.<\/p>\n\n\n\n<p><strong>Resources<\/strong><\/p>\n\n\n\n<ul start=\"1\" class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.investopedia.com\/financial-edge\/0711\/how-many-credit-cards-should-you-have.aspx\">https:\/\/www.investopedia.com\/financial-edge\/0711\/how-many-credit-cards-should-you-have.aspx<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/how-many-credit-cards-should-i-have\/\">https:\/\/www.experian.com\/blogs\/ask-experian\/how-many-credit-cards-should-i-have\/<\/a><a href=\"https:\/\/www.nerdwallet.com\/article\/credit-cards\/how-to-pick-the-best-credit-card-for-you-4-easy-steps\"><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.bankrate.com\/finance\/credit-cards\/best-time-to-apply-for-a-credit-card\/\">https:\/\/www.bankrate.com\/finance\/credit-cards\/best-time-to-apply-for-a-credit-card\/<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.nerdwallet.com\/article\/finance\/how-many-credit-cards\">https:\/\/www.nerdwallet.com\/article\/finance\/how-many-credit-cards<\/a><\/li>\n\n\n\n<li><span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.investopedia.com\/articles\/personal-finance\/082516\/why-too-many-credit-cards-can-hurt-your-credit-score.asp#:~:text=Having%20too%20many%20outstanding%20credit,more%20potentially%20risky%20to%20lenders.&amp;text=You%20can%20boost%20your%20score,lower%20your%20overall%20utilization%20ratio\">https:\/\/www.investopedia.com\/articles\/personal-finance\/082516\/why-too-many-credit-cards-can-hurt-your-credit-score.asp#:~:text=Having%20too%20many%20outstanding%20credit,more%20potentially%20risky%20to%20lenders.&amp;text=You%20can%20boost%20your%20score,lower%20your%20overall%20utilization%20ratio<\/a><\/span> <\/li>\n<\/ul>\n<\/div>\n\n\n\n<aside class=\"wp-block-group p-post-single-related has-global-padding is-layout-constrained wp-container-core-group-is-layout-07747ed5 wp-block-group-is-layout-constrained\" style=\"padding-bottom:var(--wp--preset--spacing--80)\">\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\" style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:var(--wp--preset--spacing--60)\"\/>\n\n\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-62083a6e wp-block-buttons-is-layout-flex\" style=\"margin-top:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-button is-style-tertiary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.lendnation.com\/blog\/\">Visit Blog\n\t\t\t                                                                                                  Homepage<\/a><\/div>\n<\/div>\n<\/aside>\n<\/article>\n","protected":false},"excerpt":{"rendered":"<p>Many of us have heard the pros and cons about having multiple credit cards. How many credit cards is too many? Here are some tips on how many you should have.<\/p>\n","protected":false},"author":18,"featured_media":995,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[67],"tags":[48],"class_list":["post-994","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-tips","tag-how-many-credits-cards-should-i-have"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How Many Credit Cards Should I Have? - LendNation<\/title>\n<meta name=\"description\" content=\"Many of us have heard the pros and cons about having multiple credit cards. How many credit cards is too many? 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