I haven’t seen this consideration in the comments- caution to be mindful of the impact that: # of new credit lines and % of credit used (and available) has on your financial health including 1.your credit score and 2. Ability to get credit/be approved for things besides revolving credit lines/cards and 3. Length of oldest revolving credit card. I believe each of the 3 bureaus and some card companies have calculators to run scenarios for what impact new debt will do to your credit score and capacity for new debt in the future. Finally- a plug for the insane and ever escalating fraud landscape and please consider LOCKING your credit with each of the 3 bureaus to protect yourself. Not a big deal to temp unlock when you need to (ie apply for car loan for example) - but could get complex if you choose to jump into a complex card strategy? 13 cards= 13 databases with all your personal info available for hackers. Hacking inevitable, but something we can try to manage.
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I haven’t seen this consideration in the comments- caution to be mindful of the impact that: # of new credit lines and % of credit used (and available) has on your financial health including 1.your credit score and 2. Ability to get credit/be approved for things besides revolving credit lines/cards and 3. Length of oldest revolving credit card. I believe each of the 3 bureaus and some card companies have calculators to run scenarios for what impact new debt will do to your credit score and capacity for new debt in the future. Finally- a plug for the insane and ever escalating fraud landscape and please consider LOCKING your credit with each of the 3 bureaus to protect yourself. Not a big deal to temp unlock when you need to (ie apply for car loan for example) - but could get complex if you choose to jump into a complex card strategy? 13 cards= 13 databases with all your personal info available for hackers. Hacking inevitable, but something we can try to manage.
Post: What is your credit card rewards strategy?
Link to comment from September 13, 2025