My wife can cope with using different cards for different purposes and she certainly enjoys the benefits of travel on our meager salaries. Her issue is with her belief that her credit is too poor to apply for any new cards (she has one 30 day late payment from 2 years ago and a different card that was closed for inactivity). She also seems to be loyal to her current cards, even though they provide diminishing returns (a trait which bodes well for me, but perhaps isn't so good in the churning world).