The best joint secured credit card is the U.S. Bank Cash+® Visa® Secured Card. This card offers 5% cash back on two categories of your choice (up to $2,000 each quarter), 5% back on prepaid air, hotel and car reservations booked in the Rewards Travel Center, 2% back on your choice of one everyday category (like gas stations, EV charging stations, grocery stores or restaurants) and 1% back on all other purchases. Plus, the card has a $0 annual fee.
However, secured credit cards that would allow joint applicants are extremely rare. The next-best option is for one person to apply for a secured card and then make the other person an … read full answerauthorized user on the account.
The authorized user will benefit from the same credit improving advantages if the card is used responsibly. However, it's important to know that the main cardholder is fully liable for all charges on the account – and for paying the bill on time – so add an authorized user only if that person is trustworthy.
The best credit card for couples is the Wells Fargo Active Cash® Card because it’s one of the best cash back cards on the market, offering a $0 annual fee and a couple percent back on every purchase. In addition to 2% cash rewards on purchases, new cardholders get $200 cash rewards after spending $1,000 in the first 3 months.
One member of the partnership will need to be the primary cardholder, since Wells Fargo does not allow true joint accounts. But an authorized user can make purchases independently, 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.… read full answer
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 joint account may make sense in a long-term commitment, but it’s a risky endeavor for a new relationship.
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