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I use 25 credit cards to travel more than 6 months a year. Here's the best advice I can give you to build credit in your 20s.


I have 15 credit cards, and I combine sign-up bonuses with everyday spending to get the most travel rewards from each one


I get hundreds, or thousands, of dollars in benefits from my travel credit cards every year, and there are 3 kinds of perks more valuable than the rest



I paid off more than $10,000 of credit card debt in 3 years, and using balance transfer cards saved me another $3,000 in interest


5 things I wish I could tell my 20-year-old self about credit cards