<prompt> Human: My husband and I have four credit cards between us and only have a small balance 1,500 on one of them. We are discussing using a credit card for all purchases and paying it off in full every month we are responsible enough for that. However, I believe it would be in our best interest to have a card that earns us rewards, which none of our cards do. Should we open a new rewards credit card? Should we keep the four we already have or close one or more of them all long-term accounts: 7-10 years old? Im worried about what opening a new card and having five cards total will look like on our credit reports? Thanks!  <response>: Pay off the current debt you have on the credit cards you currently own. If any of your cards have an annual fee, downgrade them to non-annual fee cards. Get a rewards card that fits your needs and look at several of them. Some offer better benefits for traveling versus restaurants versus anything else. Pay off your balance in full every month, dont keep a balance on any card if you have the means to pay it off! 