<prompt> Human: Ive had a Capitol One card for several years now, with 1.5 cash back. This year, I picked up another card with better rewards in order to capitalize on things I buy a lot of, mainly food. So I got an Amex with 6 on groceries, 3 on retail and 1 on other stuff. I currently use the amex only at places with the special rewardspromos. And my Visa for everything else.Is this a dumb idea? I figured having two cards that I pay off every month will build my credit more, but it feels like I have the Visa for no reason. The extra .5 doesnt seem worth it. I would appreciate your thoughts on the matter  <response>: The main reason, above all else to me, is as a back-up if one gets hit by fraud you will have one in your hand to use till the new card comes. Since your primary is Amex I would keep the Visa in my pocket for the places that do not take Amex. Also you do not want to loose those years of history, though the consensus is it does not fall off of your AAoA for 10 years. Still in 10 years you will lose those couple of years.I have had my same 3 cards for close to 30 years and it has worked for me. 