Best Credit Cards for Couples & Joint Accounts (2024)

Navigating finances as a couple can be both rewarding and challenging. Whether you’re merging accounts for the first time or optimizing your shared spending, choosing the right credit card can make a significant difference. In 2024, with inflation, rising interest rates, and evolving travel rewards, couples need cards that maximize benefits while minimizing fees. Below, we break down the best credit cards for couples and joint accounts, factoring in rewards, perks, and financial flexibility.

Why Couples Should Consider Joint Credit Cards

Simplified Budgeting

Managing finances together becomes easier when all expenses flow through a single account. Joint credit cards provide transparency, helping couples track spending, set goals, and avoid financial surprises.

Higher Rewards Potential

Many premium cards offer elevated rewards for combined spending. By pooling expenses, couples can hit spending thresholds faster, unlocking sign-up bonuses and elite status perks.

Shared Benefits

From travel insurance to purchase protection, joint accounts allow both partners to enjoy premium card benefits without needing separate subscriptions.

Top Credit Cards for Couples in 2024

1. Chase Sapphire Preferred® Card

Best for Travel & Dining

• Annual Fee: $95
• Sign-Up Bonus: 60,000 points after spending $4,000 in the first 3 months
• Rewards: 3X points on dining, 2X on travel, and 1X on everything else
• Perks: No foreign transaction fees, 25% boost when redeeming through Chase Ultimate Rewards

Why It’s Great for Couples:
The Chase Sapphire Preferred is ideal for couples who love dining out and traveling. Points can be transferred to airline and hotel partners, making it perfect for funding romantic getaways.

2. American Express Gold Card

Best for Foodies & Groceries

• Annual Fee: $250
• Sign-Up Bonus: 60,000 Membership Rewards points after spending $6,000 in 6 months
• Rewards: 4X points at restaurants and U.S. supermarkets (up to $25,000/year), 3X on flights
• Perks: $120 annual dining credit (Grubhub, Cheesecake Factory, etc.), $120 Uber Cash

Why It’s Great for Couples:
If you and your partner spend heavily on groceries and dining, the Amex Gold’s rewards structure is unbeatable. The dining and Uber credits help offset the annual fee.

3. Capital One Venture Rewards Credit Card

Best for Flexible Travel Rewards

• Annual Fee: $95
• Sign-Up Bonus: 75,000 miles after spending $4,000 in 3 months
• Rewards: 2X miles on every purchase
• Perks: No foreign transaction fees, up to $100 Global Entry/TSA PreCheck credit

Why It’s Great for Couples:
The simplicity of earning 2X miles on everything makes this card a no-brainer for couples who want hassle-free travel rewards.

4. Citi® Double Cash Card

Best for Cash Back Simplicity

• Annual Fee: $0
• Rewards: 2% cash back (1% when you buy, 1% when you pay)
• Perks: No rotating categories or spending caps

Why It’s Great for Couples:
If you prefer cash back over travel points, the Citi Double Cash is a straightforward option with no annual fee.

5. Bank of America® Premium Rewards® Credit Card

Best for High-Yield Cash Back

• Annual Fee: $95
• Sign-Up Bonus: 50,000 points after spending $3,000 in 90 days
• Rewards: 2X points on travel/dining, 1.5X on everything else
• Perks: $100 annual airline incidental credit, Global Entry/TSA PreCheck credit

Why It’s Great for Couples:
Bank of America Preferred Rewards members can earn up to 75% more points, making this card a powerhouse for high-balance couples.

Joint Accounts vs. Authorized Users

When to Choose a Joint Account

• Full Financial Transparency: Both partners share equal responsibility for payments.
• Simplified Record-Keeping: One statement for all shared expenses.

When to Add an Authorized User

• Building Credit: Helps a partner with limited credit history.
• Access to Premium Perks: Many cards extend lounge access, travel credits, and other benefits to authorized users.

Managing Credit Card Debt as a Couple

Set Spending Limits

Agree on monthly budgets for discretionary spending to avoid overspending.

Automate Payments

Avoid late fees by setting up autopay for at least the minimum due.

Use Balance Transfer Cards Strategically

If carrying debt, consider a Citi Simplicity® Card (0% intro APR for 21 months) to pause interest while paying it down.

Final Thoughts

The best credit card for couples depends on spending habits, financial goals, and lifestyle preferences. Whether you prioritize travel, cash back, or dining rewards, 2024 offers plenty of options to maximize your shared finances. By selecting the right card and managing it wisely, couples can turn everyday spending into meaningful rewards—and fewer financial headaches.