How many credit cards are worth carrying

Everyday household ($24,000 a year), CardSavvy point values.

$0$250$500$750$1K$7781 cardstart$9262 cards+$148$9743 cards+$48$9874 cards+$13$9875 cards+$0
  1. 1 card: $778/yr
  2. 2 cards: $926/yr(+$148)
  3. 3 cards: $974/yr(+$48)
  4. 4 cards: $987/yr(+$13)
  5. 5 cards: $987/yr(+$0)No card adds value at this step
CardSavvy Rewards Index · Q4 2026Methodology and full dataset