Best Credit Cards for Couples to Share and Save

If you're a couple looking to share and save, having the right credit card can make all the difference. One great option is the Chase Sapphire Preferred, which offers a generous sign-up bonus of 60,000 points after spending $4,000 in the first 3 months, worth $750 in travel.

This card also has a 25% points bonus when redeemed for travel through Chase Ultimate Rewards, making it an excellent choice for couples who love to travel together. The annual fee is $95, but the rewards and benefits make it well worth it.

Another great option is the Capital One Venture, which offers 2 miles per dollar on all purchases, with no rotating categories or spending limits. This means you can earn rewards on everything you buy, from groceries to gas to dining out.

If you and your partner are looking for a joint credit card, consider the Tangerine Money Back World Mastercard, which offers cash back rewards with no fee for primary or secondary cardholders. This card allows you to choose your cash back categories.

The Citi Strata Premier Card is a great all-around travel rewards card with broad bonus categories, earning 10 points per dollar spent on hotels, car rentals, and attractions booked on CitiTravel.com. It also features a welcome offer of 75,000 ThankYou points after spending $4,000 on purchases within the first three months of account opening.

For everyday spending, the BMO Rewards card offers surprisingly generous earn rates on everyday purchases for everything from gas to groceries.

When choosing a credit card, it's essential to consider your relationship status. If you're in a committed relationship, you might want to consider a joint credit card account with your partner. This can be beneficial for couples who want to share expenses and build credit together.

Some of the best couples credit cards include the Chase Sapphire Preferred and the Capital One Quicksilver Cash Rewards. These cards offer rewards and benefits that can be shared with your partner.

Having a joint credit card account can also help couples establish a shared financial goal, such as paying off debt or building savings. By working together towards a common goal, you can strengthen your relationship and improve your financial stability.

The Chase Sapphire Preferred offers a 60,000-point bonus after spending $4,000 in the first three months, while the Capital One Quicksilver Cash Rewards offers unlimited 1.5% cash back on all purchases.

Consider which rewards you're most interested in, whether it's travel rewards, cash back, or something else. This will help you decide on the right joint credit card for you and your partner.

Look at your spending habits and choose a card that will best reward the purchases you make most. For example, if you and your partner spend a lot on travel and restaurants, a card with strong travel insurance coverage might be a good choice.

The Tangerine Money Back World Mastercard is a great option for cash back rewards with no fee for primary or secondary cardholders. If you don't mind an annual fee, the CIBC Dividend Visa Infinite Card offers great cash back rewards and only costs $30 per year for secondary cardholders.

Here are some key factors to consider when choosing a joint credit card:

By considering these factors and choosing the right joint credit card, you and your partner can earn rewards faster and manage your family finances more effectively.

The Wells Fargo Reflect card is a great option for those looking for a card with a long 0% intro APR period. With 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, you can save money on interest charges.

The regular APR is a bit higher, ranging from 17.24% to 28.99% variable APR. This means you'll need to pay attention to your balance and make timely payments to avoid these higher interest rates.

The Wells Fargo Reflect card also comes with a balance transfer fee of 5%, with a minimum fee of $5. This is something to keep in mind if you plan to transfer existing balances to this card.

One of the benefits of the Wells Fargo Reflect card is its relatively low foreign transaction fee of 3%. This makes it a good option for international travel.

The credit score required for approval is excellent or good, so you'll need to have a solid credit history to qualify for this card.

The Citi Strata Premier Card is a great all-around travel rewards card with broad bonus categories. It earns 10 points per dollar spent on hotels, car rentals, and attractions booked on CitiTravel.com.

Its welcome offer is 75,000 ThankYou points after you spend $4,000 on purchases within the first three months of account opening. This is a significant incentive for anyone looking to earn rewards quickly.

You can earn 3 points per dollar spent on other hotel, flight, restaurant, supermarket, gas station, and electric vehicle charging station purchases. This is a broad range of categories that can help you rack up points quickly.

The Citi Strata Premier Card is a great choice for travelers who want to earn rewards on a variety of purchases. Its bonus categories make it easy to earn points on everyday expenses.

The Ink Business Preferred and Chase Sapphire Reserve are a dynamic duo for maximizing credit card rewards.

These two cards are a great combination for business owners with a lot of expenses, as they can be used together to earn high rewards on different types of purchases.

The Ink Business Preferred earns 3 points per dollar spent on shipping, internet, cable, travel, phone services, and advertising on social media sites and search engines, up to $150,000 in combined spending per year.

This is a great opportunity to earn high rewards on business expenses.

Cardholders will also earn 5 points per dollar spent on Lyft purchases through March 2025 and 1 point per dollar spent on all other purchases.

This is a unique benefit that can be especially useful for frequent Lyft users.

The Chase Sapphire Reserve earns 3 points per dollar spent on all travel purchases made outside of Chase Travel, after the annual $300 travel credit is received, as well as 3 points per dollar spent on dining purchases.

This is a great way to earn high rewards on travel and dining expenses.

Pairing the Ink Business Preferred with the Chase Sapphire Reserve can help business owners maximize their rewards earnings across the board.

By using the Ink Business Preferred for business expenses and the Chase Sapphire Reserve for travel and dining expenses, business owners can take advantage of the high rewards earning opportunities offered by both cards.

Credit cards can be a great way for couples to earn rewards together. With the right strategy, you can earn more rewards and redeem them for romantic getaways or everyday expenses.

Sharing a credit card can be a good way to earn more rewards, as both of your purchases generate travel rewards or cash back. This can help you get rewarded faster and redeem them for your next trip or grocery store trip.

A joint credit card can also help you manage your family finances by sharing a credit limit and having both of your purchases appear on the same statement. This can give you a better view of your spending.

Here are some popular credit cards that offer rewards for couples:

By using a combination of cards, like the Capital One Savor and Venture Rewards cards, you can earn rewards in different categories and redeem them together.

Earning 95,000 bonus points is a significant reward that can be yours with the right credit card. You can earn this bonus after using your new Card to make $6,000 in purchases within the first 6 months of Card Membership.

This can be achieved with a premium card option, specifically the Marriott Bonvoy card, which offers a decent bonus for loyal Marriott guests. The points can be used to book Marriott stays or transferred to 20+ airlines.

You'll also earn 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy program. This means you can earn more points on your hotel stays, which can be redeemed for free nights or other rewards.

To earn the most joint credit card rewards, consider sharing a credit card with your partner. This can help you earn rewards faster and redeem them for romantic getaways or other expenses.

The Chase Freedom Unlimited card offers 3% cash back on gas and 3% cash back on groceries, which can be a big help on everyday expenses.

For example, if you spend $100 on gas and $100 on groceries in a month, you'll earn $6 in cash back rewards.

This card also has no rotating categories or spending limits, making it easy to earn rewards on your regular purchases.

The Citi Double Cash card offers 2% cash back on all purchases, including groceries and gas, with no rotating categories or spending limits.

You can earn up to $200 in cash back in the first year with the Discover it Cash Back card, and it also offers 5% cash back on gas and 5% cash back on groceries on up to $1,000 in combined purchases in the first year.

The Blue Cash Preferred card from American Express offers 6% cash back on groceries, which can be a big help on grocery bills.

This card also offers 3% cash back on gas, and has no annual fee for the first year.

The Rise Visa credit card offers a unique feature where you can get rewarded for paying your balance on time. You'll receive 2,500 bonus points for paying your full credit card balance on time for one year straight.

This feature is a great motivator to stay on top of your payments, and it's a nice bonus to have. Plus, if you redeem at least 12,000 points using the Pay with Points feature in one year, you'll get another 2,500 bonus points, too.

One of the standout features of the Rise Visa is its flexible redemption options. You can use your points to cover the purchase as a statement credit, or you can contribute to investments or savings accounts.

Here are some of the key redemption options:

Almost every rewards card out there will offer you more than enough value to offset the annual fee. Travel cards in particular tend to offer sign-up bonuses that are big enough to redeem for international flights.

The $695 Platinum Card from American Express comes packed with benefits, including up to $200 in annual Uber savings. Those credits alone add up to more than the annual fee.

If you don't travel frequently, you might not be able to put the credits to use. Cards like this one are best suited for frequent travelers who can take full advantage of the perks.

It's all a matter of finding the card that works best for you.

Sharing a credit card account can be a great way to simplify your finances, but it's essential to understand the pros and cons.

One of the main advantages of sharing a credit card account is that it's easy to manage a single account, with one annual fee to pay and many cards don't charge to add authorized users.

However, certain cards charge an additional fee for authorized users, so it's crucial to check the terms and conditions before adding someone to your account.

Some benefits aren't available for authorized users or are shared by the primary cardmember and authorized users, which might be a drawback for those who value having access to all the card's perks.

If you want to minimize your annual fees while earning travel rewards, you might consider pairing a card with a low annual fee, like the Chase Freedom Unlimited, with a card that offers more rewards, like the Ink Business Preferred Credit Card.

Here are some key things to consider when choosing a credit card:

If you're someone who spends a lot on food and transit, you'll want to know about the rewards you can earn with a credit card. Based on spending $2,200/month, you can earn 1pt – 5pts per dollar spent.

The points you earn can add up quickly. For example, if you spend $2,200/month, you can earn 70,000 points, which is equivalent to $466 in value.

The credit card also comes with an annual fee of $120, but the first year is waived.

The balance transfer fee is a crucial aspect to consider when using a credit card. Either $5 or 3% of the amount of each transfer, whichever is greater.

If you're transferring a large balance, the 3% fee could add up quickly. For example, a $10,000 transfer would incur a $300 fee.

Transferring smaller balances might be more manageable, but it's still essential to factor in the $5 minimum fee.

The American Express Cobalt Card is a great option for those who want to earn rewards on everyday purchases. You can earn 5x the BMO Rewards points on groceries, dining, gas, and transit.

One of the standout features of the American Express Cobalt Card is its annual fee. While it's $120, you can get up to $200 in annual Uber savings, a $200 airline fee credit, a $100 hotel credit when booking through The Hotel Collection, and $100 in annual Saks credits. This can effectively knock hundreds of dollars off the fees you pay.

If you don't travel frequently, you might not be able to put all of these credits to use, but if you can, they can add up to more than the annual fee. For example, the Platinum Card from American Express comes with these benefits, and more.

Here are some of the key perks of the American Express Cobalt Card:

When choosing a credit card as a couple, it's essential to consider your joint financial goals and spending habits.

The Chase Sapphire Preferred Card offers a generous sign-up bonus of 60,000 points after spending $4,000 in the first 3 months.

Having two separate credit cards can simplify your finances and help you keep track of individual expenses.

The Capital One Quicksilver Cash Rewards Credit Card offers unlimited 1.5% cash back on all purchases, with no rotating categories or spending limits.

If you're planning a big purchase, consider the Citi Double Cash Card's 0% intro APR for 18 months on balance transfers and purchases.

The Discover it Cash Back Card also offers 5% cash back on various categories throughout the year, such as gas stations, grocery stores, and restaurants.

Maximizing your credit card rewards is a great way to earn more rewards for your relationship. You can do this by setting up a card portfolio with cards that earn bonus points in the categories you spend the most in.

For example, you can pair cards like the Chase Sapphire Reserve, Citi Strata Premier Card, and Capital One Venture Rewards Credit Card to earn a 3.7% to 6.15% return on all your spending. This combination is a great way to maximize your rewards, especially if you spend a lot on travel, gas stations, and supermarkets.

Sharing a credit card can also help you earn more rewards together. With two cards, you can earn travel rewards or cash back on both of your purchases, redeeming them for romantic getaways or everyday expenses.

If you're under 5/24, meaning you've applied for fewer than five credit cards in the past 24 months, you've got some great options to boost your rewards earnings.

Some credit cards offer generous sign-up bonuses, such as earning bonus points after $4,000 in purchases in your first 3 months from account opening.

For example, you can earn 5X points on travel booked through the Chase Travel℠, which can add up quickly if you're a frequent traveler.

You'll also earn 2X Ultimate Rewards points on all other travel purchases outside of the Chase Travel℠, making it a great option for those who book travel through other channels.

Additionally, you can earn 2x points on all internet, cable and phone spend, which can be a significant portion of your monthly expenses.

If you're a foodie, you might enjoy earning 3X points for every dollar spent on grocery stores, which can be a great way to stock up on essentials.

Maximizing your bonus categories is key to getting the most out of your credit card rewards. By choosing the right combination of cards, you can earn a significant return on your spending.

For instance, the Chase Sapphire Reserve offers 3 points per dollar spent on travel purchases outside of Chase Travel and dining purchases, with a $300 annual travel credit. This can add up to a 3.7% to 6.15% return on your travel spending, according to TPG's October 2024 valuations.

You can pair this card with the Citi Strata Premier Card to earn 3 points per dollar spent on gas station and supermarket purchases, and the Capital One Venture Rewards Credit Card to earn 2 miles per dollar spent on all other purchases. This combination can give you a total return of 3.7% to 6.15% on all your spending.

Sharing a credit card with your partner is another great way to maximize your bonus categories. With both of your purchases generating travel rewards or cash back, you can earn rewards faster and redeem them for romantic getaways or other expenses.

By sharing a credit card, you and your partner can also take advantage of perks like travel insurance, airport lounge access, and extended product warranties. This can make your credit card a valuable tool for managing your finances and planning your travels.

When choosing a credit card as a couple, consider the rewards programs that align with your shared goals and interests.

The Chase Sapphire Preferred card offers 2X points on travel and dining purchases, making it a great option for couples who love to travel and eat out.

If you and your partner have different spending habits, the Discover it Cash Back card's rotating categories might be a good fit, offering up to 5% cash back on various purchases throughout the year.

The Citi Double Cash card provides 2% cash back on all purchases, with no rotating categories or spending limits, making it a solid choice for couples with varying expenses.

Consider the annual fees associated with each card, such as the Chase Sapphire Preferred's $95 fee, and the Citi Double Cash card's $0 fee for the first year, then $0-$99 after that.

The Chase Sapphire Preferred card's sign-up bonus of 60,000 points after spending $4,000 in the first 3 months is a great incentive for new cardholders.

Diversifying your rewards is key to maximizing your credit card benefits. By pairing cards that offer different types of rewards, you can earn more points and miles to redeem for travel, dining, and other experiences.

Consider pairing the Amex Gold with the Capital One Venture X Rewards Credit Card. This combination allows you to earn bonus points on flights, at restaurants, and on U.S. supermarket purchases with the Amex Gold, and earn 2 miles per dollar spent on other purchases with the Venture X.

Earning 2 miles per dollar spent on other purchases with the Venture X can add up quickly, especially if you use the card for daily expenses.