How to Choose Your Second Credit Card ?

You’re not obligated to stick with any card through thick and thin. You’re probably better off if you don’t.

Loyalty to family and friends matters. Loyalty to your first credit card? Not so much.

About 39% of cardholders reported carrying only one credit card in a 2016 report from TSYS, a payment processing company.

But you’re not obligated to stick with any credit card through thick and thin. In fact, you’re probably better off if you don’t. Getting a second card that fits your spending habits can earn you more rewards or save you on interest.

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When to apply

There’s no perfect time to apply for a second credit card. As long as getting one will save you money and you're not about to apply for a mortgage, you’re probably in the clear.

But it might be an especially good time to apply if:

• Your credit has improved. You'll now have access to better credit card options.
• Your spending habits have changed. If your card offers bonus rewards only on restaurants, for example, and you no longer dine out often, it might be time for a change.
• You want more rewards or benefits. Two credit cards can get you more perks than one.
• You’re carrying high-interest debt. Moving your debt to a balance transfer card can save you money on interest.