Why Was My Credit Card Application Denied?
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How Many Credit Cards Should You Have?
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Last Updated: January 14, 2026
Key Takeaways
- You may be able to enjoy low introductory interest rates and bonus rewards offers with a new credit card.
- A second credit card may help you earn more rewards, like cash back on eligible purchases.
- By getting another credit card, you increase your available credit, which may help improve your credit score if you keep your balances low.
Benefit of multiple credit cards
Emergency backup if your primary card is lost or stolen
Access to more available credit that may help your credit score
More ways to earn rewards
Drawbacks of multiple credit cards
Spending is harder to track and manage
Multiple payment due dates
Separate fees and costs for each card
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