We just keep one card - I got tired of getting the sign-up bonuses and then canceling the cards because I don’t like having a lot of ‘loose strings’ to keep track of. Can’t remember any time in last 30+ years having to pay the usurious interest because of an incomplete/late payment...finally just told them to take the balance from my checking account each month so I don’t have to write the checks...
Credit card hacking takes some time and effort, no question. But then, I’m retired and have the time. :-)
That’s what I do. It comes right out of checking with no risk of late fees. I’ve had a Discover card for thirty years and never a problem.