 TITLE: Can Having More Credit Cards Help Your Credit Score? CONTENT: How Many Credit Cards Is Too Many?\n----------------------------------\nThere's no ideal number of credit cards to keep. According to Experian data, the average U.S. consumer had 3.84 credit card accounts as of the third quarter of 2020. But that doesn't mean three or four cards is the right number for you.\nOnly apply for credit cards that offer perks you truly want or need, and that you're likely to take advantage of. Think doubly hard about applying for cards that come with annual fees, since you'll need to make at least enough use of any points or miles programs to justify that fee. And remember that ideally, your spending won't increase when you get a new credit card—that way, you can benefit from a lower credit utilization rate. END