I have 26 credit cards and I use 4 basic questions to decide when it's worth opening a new one

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Just the existence of a sign-up bonus doesn't necessarily mean the card is worth it

Business Insider may receive a commission from The Points Guy Affiliate Network if you apply for a credit card, but our reporting and recommendations are always independent and objective. The author, Holly Johnson, has 26 credit cards, but she has no qualms about signing up for more.

Business Insider may receive a commission from The Points Guy Affiliate Network if you apply for a credit card, but our reporting and recommendations are always independent and objective. The author, Holly Johnson, has 26 credit cards, but she has no qualms about signing up for more.

 

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