<prompt> Human: I am originally from Europe and myself and all people I know just had Debit cards. I moved to USA, got one credit card and soon had excellent credit score. Now several years later I have 2 cards, still using only one, and I still do not see benefit of having more than one. I pay that card 95 per year, and I believe all points and perks cover that fee, so in the end of the day it is again as if I just had debit card. What am I missing from this system?  <response>: I have a ChaseAmazon card because it gives me 5 back on my Amazon purchases. I have a Citi double cash card because it gives me 2 cash back on everything. Neither one has a annual fee. 