[eozoon]

I'm not in the US (HK) but me and a quite a few people I know have a dozen cards or more. I only regularly use 2-3 of them but the rest are useful for various occasions.

eg, Card A has no overseas transaction fees and has good exchange rate so I use it when travelling. Card B is same but I set a ridiculously low credit limit so I can use it in dodgy souvenir shops without worry. Card C gives airport lounge access. Card D gives free magazine and bottled water in the airport post-security areas. Card E grants access to clubhouses that are normally members-only, which I use for business meetings. Card F gets discounts for movie tickets, Card G to H gives free coffee upgrade from different chains, etc. And then there are a bunch that was pushed onto me when I got mortgage or a investment funds, that I never bothered to cancel since there's no annual fees and occasionally they'd have a promotion where it's actually useful.

I wouldn't want to carry all these physical cards, so I don't have them "in my wallet" per se, which is why it's nice to be able to add them all to my phone.

[cnst]

Exactly! The Chase cards I've mentioned are actually different, too, and give different benefits. I don't even churn them per se — there's still a benefit to keep all of them open longer term, because either there's no annual fee, or the AF is worth the benefits. Plus you get extra credit score benefits for the age of accounts.