I agree - nobody can be sure when the bonuses for credit cards will stop. I have 20 credit cards from the last 2 years. Its crazy, and I am shocked when a bank approves me in spite of this track record. For the record I have a 750 score, minimal balances and always pay on time.

So I have decided to let the market decide. How many is too many? Let Amex, Chase et al tell me that, its not for me to guess. So I am happily applying away, in a way I could never imagine, a short 3 years back.