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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 best credit cards for couples are no different than the best credit cards overall.
The second way for couples to get a credit card together is to both be co-signers on the account. This opens an account in both people’s names and gives them joint responsibility for payment and management of the account. All major credit card issuers allow authorized users, but most have eliminated the ability to co-sign for a card. WalletHub reached out to the major credit card issuers’ customer service departments to ask about their policies on authorized users.
Authorized users and co-signers by credit card issuer:
| Issuer | Authorized Users Allowed? | Co-signers allowed? |
| American Express | Yes | No |
| Bank of America | Yes | No |
| Barclays | Yes | No |
| Capital One | Yes | No |
| Chase | Yes | No |
| Citibank | Yes | No |
| Discover | Yes | No |
| U.S. Bank | Yes | Yes |
| Wells Fargo | Yes | No |
As you can see, U.S. Bank is the only major issuer currently offering the ability to co-sign for a credit card. Check out WalletHub’s U.S. Bank credit cards page to view current offers.
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