I usually get one new credit card a year. I just cannot pass up the 50,000 or 80,000 free points offered. I work the system hard with multiple points cards. My favorites Chase Freedom Unlimited 1.5 points on everything Chase United Just got a Discover It Miles card with 1.5 on everything and bonus double miles at the end of the year. 3% on everything this year is awesome. I spend about 20k per month on my cards.