How Many Credit Cards Should I Have for Good Credit? (2026)
Writer: Brittney Mayer
Brittney Mayer, Credit Analyst
Brittney is a Credit Strategist and Finance Expert who has spent years honing her knowledge of the credit industry both personally and professionally. Brittney applies her more than a decade of research experience to crafting in-depth consumer guides designed to help CardRates readers make better, more informed financial decisions.
Lillian Guevara-Castro brings more than 30 years of editing and journalism experience to the CardRates team. She has worked at The Atlanta Journal and Constitution, Gwinnett Daily News, Gainesville Sun, and The New York Times, where she covered demographics, consumer issues, and the business and financial sectors. Lillian has a degree in journalism and communications from Georgia State University and brings her fact-checking expertise to ensure Digital Brands content is accurate and engaging.
Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.
“How many credit cards should I have for good credit?”
It’s a question I’ve asked myself when I was younger, and I suspect I’m not alone. If you’re like the average American, you might have two credit cards in your wallet. If you’re a rewards enthusiast, you may have more than 40 cards. And if you’re a credit card collector, you could have over a thousand credit cards (and a custom wallet).
But, what’s the right number of credit cards?
Better yet, consider it another way. Most of us know by now that credit cards can impact your credit score, influencing whether you qualify for loans and other new credit. So, perhaps we should ask: How many credit cards should you have for a good credit score?
Consumers Should Have (and Use) at Least One Credit Card
Although some hard-core budget purists will tell you to stay well away from credit cards entirely, the fact of the matter is that modern-day consumers simply need to have (and occasionally use) at least one credit card.
The first reason you need at least one credit card is that it can both help establish and improve your credit profile. The vast majority of consumers will, at some point, need credit for something, be it a new car, a new house, to start a new business, or something else entirely.
Alright, yes, you can choose to pay cash for everything, forgoing the need to ever apply for credit — but this isn’t realistic for most people. And, even if you avoid credit like the plague, your credit profile isn’t just used by lenders anymore; your credit may be checked in any number of situations, including:
Consumer credit card or loan applications
Business credit card or loan applications
Job applications
Apartment or rental home applications
Setting up home utility accounts
Opening a new cellphone account
Undergoing a background check
Credit cards are, by far, the easiest way to establish a consumer credit profile. There are a wide range of credit cards ideal for those who need to build credit. If you use a card with no annual fee, like those below, and pay it in full each month to avoid interest, building credit won’t cost you a dime.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
Redeem cash back for any amount. No annual fee.
0% intro APR on purchases and balance transfers for 15 months; 17.49% - 26.49% variable APR after that; balance transfer fee applies.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
No annual or hidden fees. See if you're approved in seconds
Be automatically considered for a higher credit line in as little as 6 months
Help build your credit through responsible use of a card like this
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
You’ll need at least one open account with a minimum of six months of reported payment history to be eligible for a credit score. But don’t stop using your credit card after the six months are up. The longer your history of positive payments extends, the more it will help your credit score.
Furthermore, credit cards can also help your overall credit mix, which considers the types of credit on your reports. Lenders like to see a mix of credit types that shows you can handle various types of debt without issue. Having at least one credit card in good standing shows you can responsibly use revolving credit.
Multiple Cards Can Be Useful for Maximizing Rewards
Now that we’ve established you need at least one credit card, the question becomes: Do you need more? But here’s where it gets tricky because the answer to that question is different for everyone.
At the most basic level, if you use your credit card regularly, it can be helpful to have a second card, perhaps from a different network. Not all merchants accept all networks, so having a backup card can come in very handy.
Another reason you may want to have more than one credit card is if you plan to take advantage of credit card rewards. Sure, you can earn rewards with just one card — particularly one with a decent unlimited cash back rate, like the Chase Freedom Unlimited® — but maximizing those rewards often requires using multiple cards in concert.
While cash back rewards won’t necessarily provide the best value for your earning dollars, they tend to be the simplest type of rewards to use. Cash back is generally redeemed for a statement credit to cover eligible charges on your credit card, with no complicated transfers or variable redemption options to master.
Maximizing your cash back rewards usually involves multiple credit cards that provide bonus cash back for purchases in categories in which you spend the most. For example, consumers who spend a lot on dining each month may get a lot of value out of a card that provides bonus cash back for restaurant purchases.
Bank of America® Customized Cash Rewards credit card
4.9/5.0
About this rating
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
No annual fee and cash rewards don’t expire as long as your account remains open.
Select your card design option when you apply – the Customized Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Intro (Purchases)0% Intro APR for 15 billing cycles for purchases
Intro (Transfers)0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days (Balance Transfer Fee 3% for 60 days from account opening, then 5%)
Regular APR17.49% - 27.49% Variable APR on purchases and balance transfers
Annual Fee$0
Credit NeededExcellent/Good
Additional Disclosure: Bank of America is a CardRates advertiser.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% - 27.49%, based on your creditworthiness.
Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Intro (Purchases)N/A
Intro (Transfers)0% 18 months on Balance Transfers
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
Redeem cash back for any amount. No annual fee.
0% intro APR on purchases and balance transfers for 15 months; 17.49% - 26.49% variable APR after that; balance transfer fee applies.
Rewards points are typically the most flexible type of rewards, making them the preferred choice for many value-happy rewards enthusiasts who seek to maximize their earnings. Many points programs allow redemption for cash back, gift cards, and merchandise, but the best value often comes from redeeming for travel or transferring to a travel loyalty program.
As with cash back cards, points credit cards are available with both unlimited and bonus category rewards structures, so you can maximize your rewards with the right combination of cards. Rewards cards that offer bonus points for multiple useful categories can simplify the process.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
Earn 1 Point per $1 spent on all other purchases
$100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
No expiration and no limit to the amount of points you can earn with this card
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
No Annual Fee
Intro (Purchases)0% 15 months on Purchases
Intro (Transfers)0% 15 months on Balance Transfers
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.
Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com
Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time
Earn 1.5 Points per $1 spent on All Other Purchases
Up to $300 Annual Hotel Benefit: Each calendar year, enjoy up to $300 off a hotel stay of two nights or more when booked through cititravel.com.
Cardholders who spend a lot of time in the air are often big fans of credit cards that reward air miles, as miles can be redeemed for free flights. Plus, many unbranded miles from rewards credit cards (those not associated with a specific frequent flyer program) can often be redeemed for other travel expenses, as well.
Air miles rewards credit cards come in the same formats as other rewards cards in that you can potentially earn unlimited miles on every transaction, regardless of category, or earn bonus miles on purchases in specific categories. Mix and match bonus categories with a good unlimited card to cover all of your bases.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Receive up to a $120 credit for Global Entry or TSA PreCheck®
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Earn a one-time welcome bonus of 100,000 miles once you spend $10,000 on purchases within the first 3 months from account opening
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
Receive up to $220 in credits: Receive an annual $50 travel credit for bookings through Capital One Business Travel, up to an annual $50 statement credit for purchases at qualifying advertising or software merchants, plus up to a $120 credit for Global Entry or TSA PreCheck® every four years. Terms and conditions apply
Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
Transfer your miles to 15+ travel loyalty programs
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
$95 annual fee
Free employee cards which also earn unlimited 2X miles from their purchases
Of course, having a full stable of credit card options isn’t for everyone — mostly because of the fees. From annual fees to transaction fees to interest fees, credit cards can get expensive fast if they’re not managed properly.
That being said, many credit card fees can be avoided simply by choosing the right card and using it wisely. Not all credit cards charge every type of fee — a large number of cards come with no annual fee, for instance — and responsible card use can help you avoid the rest.
Depending on the card, the fees will start as soon as you open your account. This is particularly true of top-tier rewards credit cards, as well as the subprime cards for bad credit at the other end of the spectrum.
You don’t actually need to pay an annual fee to get a good credit card, however; the market is flooded with credit card options, many of which can be had without a fee. You don’t even need to pay an annual fee to earn solid rewards, so long as you have at least good credit.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Member FDIC
Intro (Purchases)0% Intro APR on Purchases 15 months
Intro (Transfers)0% Intro APR on Balance Transfers 15 months
Regular APR18.99% - 28.49% Variable
Annual Fee$0
Credit NeededGood/Excellent
Additional Disclosure: Non-Monetized. The information related to Chase Freedom Unlimited® was collected by CardRates and has not been reviewed or provided by the issuer of this product/card. Product details may vary. Please see issuer website for current information. CardRates does not receive commission for this product.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
Redeem cash back for any amount. No annual fee.
0% intro APR on purchases and balance transfers for 15 months; 17.49% - 26.49% variable APR after that; balance transfer fee applies.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
$0 annual fee and no foreign transaction fees
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 18.49% - 28.49% variable APR after that; balance transfer fee applies
Once you start using your card, you’ll have to worry about interest fees. While you can avoid these by paying your balance in full each month, this can be more difficult when juggling more than one card. So, if you’re someone who tends to carry a balance on your credit card, then multiple cards may not be for you.
If you happen to need to carry a balance for a specific new purchase, on the other hand, opening another credit card may be a viable solution. That’s because many new cards come with introductory 0% APR deals that can give you a year or more of interest-free purchases to help you avoid interest altogether.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
New! 0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 14.99% - 25.99% will apply. A 5% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.
No annual fee.
No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Intro (Purchases)0% Intro APR for 21 billing cycles for purchases
Intro (Transfers)0% Intro APR for 21 billing cycles for any balance transfers made in the first 60 days (Balance Transfer Fee 5% of the amount of each transaction)
Regular APR14.99% - 25.99% Variable APR on purchases and balance transfers
Bank of America® Customized Cash Rewards credit card
4.9/5.0
About this rating
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
No annual fee and cash rewards don’t expire as long as your account remains open.
Select your card design option when you apply – the Customized Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Intro (Purchases)0% Intro APR for 15 billing cycles for purchases
Intro (Transfers)0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days (Balance Transfer Fee 3% for 60 days from account opening, then 5%)
Regular APR17.49% - 27.49% Variable APR on purchases and balance transfers
Annual Fee$0
Credit NeededExcellent/Good
Additional Disclosure: Bank of America is a CardRates advertiser.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
No Annual Fee
Intro (Purchases)0% 15 months on Purchases
Intro (Transfers)0% 15 months on Balance Transfers
To some people, the average two credit cards are more than enough to keep track of, and additional cards are simply not necessary. For other cardholders, the sky is the proverbial limit, with tens or hundreds of credit cards still not enough.
In the end, there is no “one size fits all” anything in personal finance, credit cards included. The right number of credit cards for you will likely vary from that of your neighbor — and that’s OK! With so many options available, nearly anyone can find the right credit cards (or combination of cards) to suit their needs and spending habits.
Of course, it (almost) goes without saying that, if you are one of the consumers in the latter camp who feel like you can’t ever have too many credit cards, be sure you do your research before rushing out and opening new cards all willy-nilly. Each new credit card application can impact your credit score, so consider the potential ramifications of each new card before you apply.
And, no matter how many credit cards you have, consider performing an annual credit card evaluation to ensure the cards you’re carrying are still worth keeping in your wallet. Any cards without annual fees can simply be put in a drawer, but cards that come with extra costs should be carrying their weight — or canceled and cut up.
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