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

It all comes down to rewards

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 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.

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 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.

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