Maria Adams, Credit Cards Moderator
@m_adams
There are three major credit card companies that offer joint accounts: Bank of America, PNC Bank, and U.S. Bank. The rest of the major credit card issuers don’t offer this option. However, all of them allow primary cardholders to add authorized users to a credit card account.
Some of the Best Credit Cards for Joint Accounts
- High Rewards Rate: U.S. Bank Cash+® Visa Signature® CardLearn MoreLearn More
- Rates & Fees High Rewards Rate: U.S. Bank Cash+® Visa Signature® CardLearn MoreLearn Moreon issuer's website
- High Rewards Rate: U.S. Bank Cash+® Visa Signature® CardLearn MoreLearn More
- Cash Back: Bank of America® Customized Cash Rewards credit cardLearn MoreLearn More
- Cash Back: Bank of America® Customized Cash Rewards credit cardLearn MoreLearn Moreon issuer's website
- Cash Back: Bank of America® Customized Cash Rewards credit cardLearn MoreLearn More
- Travel Rewards: PNC Premier Traveler® Visa Signature Credit CardLearn MoreLearn More
- Travel Rewards: PNC Premier Traveler® Visa Signature Credit CardLearn MoreLearn Moreon issuer's website
- Travel Rewards: PNC Premier Traveler® Visa Signature Credit CardLearn MoreLearn More
- Intro APR: U.S. Bank Shield™ Visa® CardLearn MoreLearn More
- Intro APR: U.S. Bank Shield™ Visa® CardLearn MoreLearn Moreon issuer's website
- Intro APR: U.S. Bank Shield™ Visa® CardLearn MoreLearn More
- High Rewards Rate:
- Cash Back:
- Travel Rewards:
- Intro APR:
It’s worth noting that joint credit card accounts work just like any other credit card, except that two cardholders can make purchases on the account, and they’re both responsible for paying the balance. Joint credit card account information that’s reported to the credit bureaus will be the same on each party’s credit reports.
People also ask
Can you share a credit card?
Yes, you can share a credit card with an authorized user, a co-signer, or (more rarely) a joint accountholder. Borrowing a credit card from a friend or family member with their permission can work, too, but it’s best not to get in the habit.
Sharing credit with a co-signer or joint accountholder is a great way to get approved for a credit card account when your own credit history, income and debt might otherwise warrant rejection....
read full answer by WalletHub, Financial CompanyWhat is the best credit card for couples?
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...
read full answer by John S Kiernan, Managing EditorCan I use someone else's credit card?
You technically aren’t allowed to use a credit card that isn’t your own under any circumstances, but in reality, you shouldn’t run into any problems if you’re using a friend’s or family member’s credit card with their permission. That’s especially true if you’re the same gender. You can’t use someone else’s credit card without permission, however, as that’s fraud, which is a crime and it is punishable by law.
Key things to Know About Using...
read full answer by John S Kiernan, Managing EditorDid we answer your question?
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