But if you are chasing sign up bonuses, that typically doesn’t happen all at once.

Assume you have a card for restaurants, one of travel, one for grocery’s, one for gas, one for entertainment and one catch all.

That’s 6. What else do you have a dedicated card for? 14 cards with sign up bonuses? All at the same time, each with minimum spending requirements to earn that bonus?

Let’s add some more. I have one card that pays $25 every quarter that I pay off in full every month so I use it once every month. I have a card with rotating categories. Even with multiple rotating categories I don’t see this going up past 12 cards.