Credit Card — One

Good if you want to pool points for one big trip.

If you choose only one, look for a that earns the same everywhere: one credit card

Your overall available credit may be lower, affecting your score. Good if you want to pool points for one big trip

Using a single credit card simplifies your financial life by consolidating all spending and rewards into one place. ✅ The Benefits One bill, one due date, one login. one due date

If the card is lost or declined, you have no alternative.

You miss out on "category bonuses" (e.g., 5% on gas).

You value time over maximizing every penny of rewards.