I have one bank-issued debit and one bank-issued travel mastercard, .. zero bank fees. I keep all loyalty points cards on a sto-card app on my phone. I never carry cash and put everything through the credit card except household bills to maximize our travel points. I totally resist taking on any extra retail credit cards, which are all cleverly marketed to make you spend only on their stuff. I bike or walk everywhere locally 95% of the time, putting on an average of 15-20 kms/day. We haven’t put gas in our car since March (4 months ago). I like to keep it real simple these days. You?