Organizing Your Credit Cards in 2026: Maximizing Benefits and Minimizing Fees

As a finance expert, I recommend reviewing your credit card collection annually to ensure you're not paying for unnecessary perks or missing out on opportunities to maximize your cards. To decide which cards to keep, consider the benefits and costs, including hard-to-quantify benefits like travel insurance and shopping protections. Close credit cards you no longer use or can't justify paying for, but keep in mind that the age of your accounts impacts your credit score.