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If it’s getting “messy” I think you have your answer
The cap is only when it starts to impact you. What is getting messy? What cards are you using?
Rising Star
It's too many once you can't handle it, whatever that means for you.
I have like 15 and opening another next week lol.
Try to reduce the # of providers. I have 5 chases cards so having them all in the same app makes it easier. also are you actively using all 8? Usually I’m focusing on hitting a sign on bonus so I’m using a single card at a time unless it’s a brand specific purchase eg hotels go on the Marriott card
You can have many, but only use 1 or 2 at the most that has the best benefits and make sure to pay off the balance so u don’t accrue interest
I use 3-4 regularly. Right now, I am chase heavy. CSR for travel, CF for gas, Amex BCP for groceries (free upgrade offer), and CFU for daily spend. When I stay at a Marriott for personal reasons, I’ll use a Bonvoy card. Everything else is in the sock drawer for now.
How much better is Bonvoy card vs CSR?
I have many cards open but I’m only ever using one- the one I’m working on a SUB for. Use the Travel Freely app to keep track of the cards you have and when the year is up so you can cancel or downgrade