I have 26 credit cards — here's how I decide which one to use

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  • The author, Holly Johnson, has 26 credit cards, but she uses a specific formula to determine which one to use.
  • Johnson keeps her eye out for credit card bonus categories on specific types of purchases, particularly when it comes to cards that offer 5% back in categories that rotate each quarter.
  • While rewards are great, there are times when it makes sense to use a specific credit card to gain consumer protections or free insurance benefits instead.

My husband and I have 26 different credit cards across our personal profiles and business accounts. I'm painfully aware of how crazy that sounds, but to me, it feels totally normal.

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