Having multiple credit cards can save you hundreds of dollars each year. How much money you save depends on your lifestyle and how you play the rewards game.
Those who use credit cards responsibly and don't maintain balances typically save $300 to $400 each year. Rossman earned $1,701 in credit card rewards in 2022. But getting the most out of your credit cards depends on your spending habits — and finding the perks that would save you the most money.
"Maybe consider a second card that's just a solid flat rate, something like 2% cash back on everything," he added. But if you're not someone who can pay off your balance before it's due, she doesn't recommend you have a credit card at all. Americans own four cards on average but not being able to pay off the balance in full every month can be damaging to your credit score and wallet.
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