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You’ve heard the debate: One credit card vs. multiple credit cards. Who’s right? Well, that depends on who’s asking. BankRate.com has six reasons you should consider having more than one card—if you’re a responsible spender. There’s the ‘Hey, I never thought of that’ reason: If you keep one card in a safety deposit box and you’re robbed or lose your home in natural disaster, you’ll still have a card to use while taking care of the tragedy. And there’s also the much less serious reason: Different cards, different rewards. You can choose which card to use based on which rewards you’re most interested in now (miles toward your next vacation or dollars toward you’re next shopping spree?).