No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I think that is my question exactly. I know that having a small balance on one card is optimal but how many points can I lose by having all cards report zero balances.
To the general question on utilization and credit score, I say this:
IME, having something register as a balance on at least one card will positively affect your score vs. having all zeros across the board. Now, beyond something above absolute zero, there's no benefit that I have seen. And the fewer accounts reporting a balance, the better....under most circumstances.
If you have 4 cards and show a small balance on one, that's better than a small balance on all of them.