There is no single “right” number of credit cards to have—it depends on your ability to manage them responsibly. Some people thrive with many cards, maximizing rewards and benefits, while others prefer the simplicity of one or two. The most important factor is paying on time and avoiding debt. Having multiple cards can help with utilization, since more available credit reduces your ratio, but too many accounts can be overwhelming.

Experts recommend choosing a number of cards you can comfortably manage. If you can track spending, make timely payments, and use rewards strategically, more cards may work in your favor. If not, fewer is better. The goal is not to collect the most plastic, but to use credit as a tool to support your financial health.