On business: 1 x your personal card, 1 x your company card and 1 x your 'get out of jail' card. Private: Ditch the company card.
Has worked for me for more than 10 years, don't see the point of carrying - even less subscribing to - a barrage of plastic. Have used the 'get out of jail' card once, and it wasn't even for getting out of trouble!