> Is the culture in the US really so different that people need so many cards? Varied rewards across cards is a big reason. One card offers 5% cash back on ga

> Is the culture in the US really so different that people need so many cards? Varied rewards across cards is a big reason. One card offers 5% cash back on gas and 1% otherwise (so you only use it on gas). Another offers 2% back generally, so you use it for most things. Also stores convince a lot of Americans to make expensive purchases by starting a store credit card that has no interest for 12+ months. For debit cards I keep two, but only because my main bank does not offer chipped debit cards yet and I need one that does for travel abroad.