Loyalty to family and friends matters. Loyalty to your first credit card? Not so much.

About 39% of cardholders reported carrying only one credit card in a 2016 report from TSYS, a payment processing company.

But you’re not obligated to stick with any credit card through thick and thin. In fact, you’re probably better off if you don’t. Getting a second card that fits your spending habits can earn you more rewards or save you on interest.

There’s no perfect time to apply for a second credit card. As long as getting one will save you money and you’re not about to apply for a mortgage, you’re probably in the clear.

But it might be an especially good time to apply if:

To be sure, doubling up on your plastic won’t help in every case. If you already have trouble controlling your credit card spending or managing your account, opening another card will just add to your problems. But if you think a new card could benefit your bottom line, start looking. 

Getting a second card that complements your spending habits is key.

If you plan on carrying debt, find a card that minimizes the costs of doing so. Look for one with:

If you plan to pay in full every month, your interest rate won’t matter. Instead, look for a card with:

Finally, keeping your first credit card open will generally improve your credit. But if you aren’t using that card and it charges an annual fee, or if it’s a secured card and you want your deposit back, ask your issuer about converting it to a no-fee or an unsecured card. If those aren’t options, close it. 

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Let us be your guide. ","formlayout":"top_aligned","formtemplate":"","evalequations":1,"autocomplete":1},"formid":"cp_calculatedfieldsf_pform_1","setCache":false,"cache":false}]; Should you get a third credit card? … And a fourth? Two credit cards might be better than one. And a third can boost your rewards rates further. But spreading your purchases over, say, 10 cards? It might not hurt you, but it probably won’t help you much, either — at least not in the long run. The more cards you have, the greater chance there is that their core benefits will overlap. And applying for cards to get their sign-up bonuses and closing them afterward might help you rack up rewards, but using a patchwork of different cards on an ongoing basis probably won’t. As your collection grows, multiple annual fees could eat away at your rewards, and your wallet could become more difficult to manage. Keep your credit card collection a lean, mean, benefit-generating machine. Choosing a second card that’s worthy of a space in your wallet is a great place to start. Claire Tsosie is a staff writer at NerdWallet, a personal finance website. Email: claire@nerdwallet.com. Twitter: @ideclaire7. The article How to Choose Your Second Credit Card originally appeared on NerdWallet.