[kiklion]

But if you are chasing sign up bonuses, that typically doesn’t happen all at once.

Assume you have a card for restaurants, one of travel, one for grocery’s, one for gas, one for entertainment and one catch all.

That’s 6. What else do you have a dedicated card for? 14 cards with sign up bonuses? All at the same time, each with minimum spending requirements to earn that bonus?

Let’s add some more. I have one card that pays $25 every quarter that I pay off in full every month so I use it once every month. I have a card with rotating categories. Even with multiple rotating categories I don’t see this going up past 12 cards.

[verall]

Checking and savings debit cards, plus an HSA card add 3 more.

Sure, why do I need my savings account in my apple pay? Why did I put the plastic savings card into my physical wallet? Because that's where all of my other plastic cards are.

"The digital wallet should be able to hold all of my cards, even the ones I use infrequently" would certainly be my expectation.

[cnst]

So, basically, you're telling me I'm better off NOT storing my Hyatt, Marriott and IHG cards in my digital wallet only because I use them once every few years? Why exactly is that? Why not store all the cards in the digital wallet?

It's actually a really good idea, because it's a different account number they gets stored on the device, so, even if your hotel card is compromised because of the hotel leak, the copy in Google Pay will remain active and available. So, I could use it right away on the once-every-two-years bonus category without any extra hassle.