John S Kiernan, Managing Editor
@John
The best credit card for couples is the PNC Cash Rewards® Visa® Credit Card because it’s one of the best cash back cards on the market and PNC allows joint applications. In addition to 1 - 4% cash back on purchases and a $0 annual fee, cardholders get a bonus $200 after spending $1,000 in the first 3 billing cycles.
Best Credit Cards for Couples in 2025
Some issuers do not allow true joint accounts, which means one member of the partnership may need to be the primary cardholder while the other is an authorized user. But an authorized user can make purchases, and both parties will see information from the account on their credit reports. So for practical purposes, it’s easy to treat an authorized user as a joint accountholder. Authorized users aren’t responsible for bill payments, though.
Ultimately, the best credit card for couples depends on the couple’s interests, spending habits and goals. And if you’re getting a card together, it can be a good idea to take stock of your relationship. A shared account may make sense in a long-term commitment, but it’s a risky endeavor for a new relationship.
2025's Best Credit Cards
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allenornel, Member
@allenornel
Any good rewards card would do. If your credit permits, the Chase Sapphire Preferred is a safe bet. One of you can get the card and add your spose as an authorized user to get the authorized user bonus. Furtermore, both or your expsenses will count for the minimum spending required to grant you the initial bonus, which is pretty hefty.
Bart Ashton, Member
@bart_ashton
Since there are no credit cards designed especially for couples, I'd say anything with a big sign-up bonus, or rewards would be great.
Mark Reffo, Member
@mark_reffo
Anything that will give you good rewards, or a great start up bonus. Since you can earn rewards even as an authorized user, you could take advantage of that.
People also ask
What are the best joint credit cards?
The best joint credit card is the U.S. Bank Altitude® Connect Visa Signature® Card because it offers 30,000 points for spending $1,000 in the first 90 days and 1 - 5 points per $1 spent on purchases. U.S. Bank is the only major bank that currently offers joint credit cards.
All U.S. Bank cards are eligible for joint accounts except for student credit cards. You can’t directly apply for a joint account with U.S. Bank, however. You can only add a joint owner to an existing U.S. Bank credit card account, and you have to do...
read full answer by Chip Lupo, Credit Card WriterHow can couples get a credit card to share?
There are two ways couples can get a credit card to share. The first and most common way is for one person to be the primary cardholder and the other person to be an authorized user on the account. The authorized user gets their own card and can make purchases, but is not able to manage higher-level aspects of the account. Plus, only the primary cardholder is held liable for payments. In this case, the...
read full answer by WalletHub, Financial CompanyDid we answer your question?
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