<prompt> Human: I wasnt completely sure where to post this, so I decided rpersonalfinance was my best bet.First off, lets get this out of the way: Yes, credit cards can be bad, they can get you in a lot of trouble, and they should be paid off fully at the end of each month. I understand that, and thats not what Im asking about. My question is, obviously there are some pretty good rewards cards out, but other then finding 0 APRRewards cards, does the kind of card you have have any impact on your credit score? ex. Does an Amex have more of an impact on your credit score then a Visa assuming you stay under 30 of your total limit per card and pay off each at the end of the month? Is there any benefit to say having all four? Does that look good on your credit score in anyway, or if I or someone was looking for a credit score it doesnt matter what kind, and I or someone should just look for low ratesgood benefits?I know that VisaMC are just middlemen and dont actually give out cards while Amex and Discover do, and I know they are different cards, so I was mainly just wondering if one was any better outside of finding lower ratesbetter rewards or if having all of themnot having one of them looked better on a credit score.Thanks, and sorry if this isnt the right r.  <response>: Dont think in terms of Visa, MC, Amex, Discover. Instead, think in terms of issuing bank. From this perspective, Chase, Citi, and Amex are king in terms of most valuable bonuses and rewards programs IMO. Other banks like Barclays and US Bank occasionally offer lucrative bonuses and rewards cards but theyre a bit more selective. I personally dont give a shit about Capital One or Discover.If youre interested in 0 cards. Stop reading this comment. If that matters to you and more importantly you tend to carry a credit card balance from month to month instead of paying it off in full, youre probably best advised to not pursue sign-up bonuses and rewards points. They amount youll eventually pay in interest will offset all that you gain.Know that there are three credit bureaus: Experian, Transunion, and Equifax. Each time you apply for a credit card, it results in a hard inquiry to one or more of these three bureaus, which temporarily drops your credit score 2 to 5 points. Now, that 2 to 5 points will gradually disappear over the course of two years and the noted hard inquiry will disappear all together after two years. There are other factors too: on one hand, each new credit card generally decreases the average age of your total accounts which is bad; on the other hand, each new credit card results in new credit available and serves to expand your overall debt-to-credit ratio which is good. Point being, each new credit card, on the whole, dents your score slightly but only temporarily! and usually only with one of the three bureaus. A lot of this depends on which state you live in. For instance, Amex almost exclusively pulls from Experian. They may also pull from Transunion if they think youre a credit risk. Captial One, to my knowledge, pulls from ALL THREE credit bureaus at once DICKS!. In my state KS, Chase pulls from Equifax and Citi and Barclays pull from Transunion, but that may not be the case for you. Having diverse forms of credit is good and makes up 10 of your score. With credit cards, it doesnt matter if its Visa, MC, Amex, Discover. Those are all considered personal credit cards. Now having a store credit card--thats different. Student loans? Car loan? Mortgage? All different forms of credit which serve to show diversity. 