We spend countless hours here at PlasticRewards.com scanning and reading blogs, forums, other websites and talking with people in an attempt to stay updated on the latest happenings in the credit card and other related industries. Much of the information we gather gives us ideas for writing articles that allow us to share experiences, news and give some practical advice when applicable. A common concern that we see often and talk with people about is wanting to know how many reward credit cards one should carry. The answer is easy.
PlasticRewards.com was started on the premise of providing a destination for visitors who wanted to just learn about and apply for reward credit cards. Although, we do offer credit card of all sorts, our primary focus is on providing the best results and information on reward credit cards. Many visitors choose credit cards from issuers like American Express and Discover because of their reward programs and superior customer service ratings. However, many also know that American Express and Discover credit cards are only accepted on a somewhat limited basis. This limited acceptability presents the problem of what to do when a merchant does not accept credit cards from one of these issuers.
Our suggestion is to always evaluate where you make the majority of your purchases and which credit cards are accepted there. I personally do A LOT of shopping at Costco and they only accept American Express, so having an American Express card works out well for us. For instances when a credit card from American Express or Discover is not accepted, happened to me the other day, having another reward credit card from Visa or MasterCard as a backup is a good idea. Your primary reward credit card should earn you which reward you want most, whether it is cash back, airline miles or points. Most people with a primary American Express or Discover credit card prefer to also carry a Visa or MasterCard that earns them cash back. A cash back credit card is the easiest and most convenient reward program credit card to manage.
Having two credit cards from different issuers that earn rewards will help you maximize your reward earnings. If you have a primary American Express or Discover credit card, also having a Visa or MasterCard as a backup reward credit card can ensure that you earn a reward with every purchase. No more having to use a debit card, cash or check as an alternative when your credit card isn’t accepted.
You can compare credit cards from American Express, Discover Card, Visa, MasterCard and more on our website.
