Credit card are very long-lived entities (and part of your credit rating depends on how old your oldest account is - so once you get a decent no-fee card basica

Credit card are very long-lived entities (and part of your credit rating depends on how old your oldest account is - so once you get a decent no-fee card basically never close that one). But sometimes fickle. So I'd say you need more than one (decent one) and you can afford to spend much more than one hour on thinking about it. Just based on rebate rates and lower cognitive load later.