Best Credit Card for Couples for 2024 – Married or Unmarried

Loooking for the Best Credit Card for Couples? If yes, you are at the right place.

As a couple, managing you finance is very essential, couples can do this by choosing the right credit card to gain maximum benefits with minimum costs. With a lost of credit cards availabe, finding the best credit card for couples requires careful planning.

For couples, setting up joint bank accounts and how to divide the billls are not the only decisions to make when you’re going to manage your finance with your partner. Instead, you can also share a credit card account to share your rewards and benefits.

In this comprehemsive guide, we’ve covered the best credit cards for couples in different categories like including travel, cash back, 0% APR or everyday expenses.

Know Your Spending Style Before Choosing Best Credit Cards for Couples

Before choosing a credit card, check and analyze your spending style and ask yourself the following questions:

  • Where do you spend? Find out the areas where your spend the most. It can be Groceries, gas, travel, dining, entertainment.
  • What joint goals you want? Decide your goals like travel, dream vacation, home improvement, or building credit.
  • Do you want simplicity or flexibility? Do you want simple cash back or reward points. Because they have their pros and cons.

Best Couples Credit Cards for 2024

  • Blue Cash Preferred® Card from American Express
  • Chase Sapphire Preferred® Card
  • Capital One SavorOne Cash Rewards Credit Card
  • Wells Fargo Active Cash® Card
  • Bilt World Elite Mastercard® Credit Card
  • Bank of America® Customized Cash Rewards credit card

1. Blue Cash Preferred® Card from American Express

Our pick for: Best credit card for couples with Kids

Blue Cash Preferred® Card from American Express

Card Highlights:

  • Annual Fee: $0 intro annul fee the first year, the $95.
  • Intro APR: Enjoy 0% intro APR on purchases and balance transfers for 12 months from account opening date, then a variable APR of 19.24% to 29.99% will apply.
  • Welcome Bonus: Earn $250 back after you spend $3,000 on purchases within the first 6 months of card membership. You will receive this bonus as a statement credit.
  • Credit Needed: Good/Excellent (690-850).

Reward Details:

  • You earn 6% cash back on groceries at U.S. supermarkets (up to $6,000 per year).
  • Earn 6% cash back on select streaming services in U.S.
  • Earn 3% cash back on Transit includes taxis, rideshare, parking, tolls, trains, buses, and more.
  • Earn 3% cash back at U.S. gas stations.

Other Features:

  • The card has no annual for the first year and foreign transaction fee.
  • You earn $250 as a welcome bonus after you spend $3,000 on purchases within the first 6 months of card activation.
  • Enjoy 0% intro APR for 12 months from the date of account opening. After that, a variable APR of 19.24% to 29.99% will apply.
  • Cash back can be redeemed as a statement credit or at Amazon.com checkout.
  • Cardholders get up to $120 in statement credit annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com. That’s become $10 in statement credits each month.
  • Get $85 Disney Bundle Credit as a $7 monthly statement credit after using your Blue Cash Preferred® Card.
  • Enjoy card rental and damage insurance.

Why we like this card:

If you are a couple with kids and prefer to stay at home, the Blue Cash Preferred® Card from American Express offers you a plenty of benefits in various categories like at U.S. supermarkets and streaming services.

This is mainly a cash back credit card with high credit limit that offers 0% introductory offer for 12 months on purchases and balance transfers, after that a variable APR of 19.24% to 29.99% variable APR will apply.

  • The card has no annual for the first year.
  • 0% intro APR for 12 months on purchases and balance transfers.
  • 6% cash-back on groceries at U.S. supermarkets.
  • 6% cash-back on select U.S. streaming subscriptions.
  • You earn 3% cash-back on U.S. gas stations and Transit services.
  • You earn 1% cash back on all other purchases.
  • $95 annual fee after first year.
  • Slightly high annual APR.

» MORE: Best Credit Cards for Wedding Expenses


2. Chase Sapphire Preferred® Card

Our pick for: Best for travel & honeymoon trips

Chase Sapphire Preferred® Card

Card Highlights:

  • Annual Fee: $95.
  • Intro APR: 21.49% – 28.49% variable.
  • Welcome Bonus: You earn 60,000 bonus points after you spend $4,000 on purchases within the first 3 months of card activation or account opening. That’s $750 when you redeem through Chase Ultimate Rewards.
  • Credit Needed: Good/Excellent.

Reward Details:

  • Cardholders earn up to $50 in statement credits each account in an anniversary year for hotel stays purchased through Chase Ultimate Rewards.
  • Earn 5X total points on travel purchases purchases through Chase Ultimate Rewards.
  • Enjoy 2X points on travel purchases.
  • Earn 3X points on dining including delivery services, takeout and dining out.
  • Earn 3X points on online grocery purchases (excluding Target, Walmart and wholesale clubs).
  • Earn 1 point per dollar spent on all other purchases.

Other Features:

  • Cardholders earn 60,000 bonus poinst as welcome bonus after they spend $4,000 on purchases in the first 3 months from the account opening date.
  • Earn 25% more value when you redeem points for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®.
  • You can transfer the points to leading frequent travel programs at 1 to 1 value.
  • Cardholders get Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get partner benefits from DashPass, Lyft, Instacart, and Peloton.
  • No foreign transaction fees.

Why we like this card:

If you’re a couple who have a honeymoon to plan or a heavy travel budget, the Chase Sapphire Preferred® Card should be your first choice. You earn a total 5X points on travel purchases through Chase Ultimate Rewards®. You also earn 3X points on dining and 2X on all other travel purchases.

If you have bigger expenses for travel budget, then you can consider the hase Sapphire Reserve® Credit Card due to its great rewards on various categories.

  • Generous welcome bonus.
  • You earn 5X points travel purchases through Chase Ultimate Rewards®.
  • High rewards on various categories.
  • You can transfer points to travel partners at 1:1 ratio.
  • Bonus categories.
  • Slightly higher annual fee.
  • No intro APR.

» MORE: Best Credit Card to Book Flights


3. Capital One SavorOne Cash Rewards Credit Card

Our pick for: Best for dineout and entertainment

Capital One SavorOne Cash Rewards Credit Card

Card Highlights:

  • Annual Fee: $0.
  • Intro APR: Enjoy 0% intro APR for 15 months on purchases and balance transfers. After that a variable APR of 19.99% – 29.99% variable will apply.
  • Welcome Bonus: Earn a $200 one time cash bonus after you spend $500 within 3 months of account opening.
  • Credit Needed: Good/Excellent.

Reward Details:

  • You earn unlimited 3% cash back on dining, entertainment, popular streaming services & at grocery stores.
  • Earn 5% cash back on hotels and rental cars booked through Capital One Travel.
  • Earn 10% cashback on purchases on Uber and Uber Eats.
  • Enjoy 8% cash back on Capital One Entertainment Purchases.
  • Earn 1% cash back on all other purchases.

Other Features:

  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from card issuance.
  • Enjoy upto 5% cash back on dining, grocery stores, entertainment, and popular streaming services (excluding superstores like Walmart® and Target®).
  • You can redeem your rewards with Paypal.
  • Cardholders can use their reward points at Amazon.com.
  • The card has no annual fee.
  • No foreign transaction fee.

Why we like this card:

As a couple, if going out is your preferrence, the Capital One SavorOne Cash Rewards Credit Card is the perfect credit card for you. The card offers best-in-class cash back on dining, grocery, and entertainment. You earn unlimited 3% cash back on dining, entertainment, popular streaming services & at grocery stores, and 1% cash back on all other purchases.

The card offers an impressive rewards points on various categories for an annual fee of $0. This card will cover costs of your major everyday expenses.

  • The card has no annual fee.
  • You will get unlimited 3% cash back on everyday expenses.
  • Decent sign-up bonus.
  • Easy to redeem cash rewards back.
  • Higher annual APR.
  • Require Good/Excellent credit.

4. Wells Fargo Active Cash® Card

Our pick for: Best cashback credit card for couples

Wells Fargo Active Cash® Card

Card Highlights:

  • Annual Fee: $0.
  • Intro APR: Enjoy 0% intro APR for 15 months on purchases and qualifying balance transfers. After that, a variable APR of 20.24%, 25.24% or 29.99% will apply.
  • Welcome Bonus: You earn a $200 cash rewards bonus after you spend $500 on purchases within the first 3 months of account opening.
  • Credit Needed: Excellent/Good

Reward Details:

  • You earn unlimited 2% cash back on all purchases.
  • Rewards can be redeemed for gift cards.

Other Features:

  • The card has no annual fee.
  • Cardholders earn a $200 cash rewards after spending $500 on purchases within the first 3 months of card activation.
  • Enjoy 0% intro APR for 15 months on purchases and qualifying balance transfers. After that a variable APR of 20.24%, 25.24% or 29.99% will apply.
  • No categories to track or remember.
  • Cash back rewards will not expire until your credit card is open.
  • You can redeem cash back for gift cards.
  • Cardholders can enjoy a premium collection of benefits with the selection of world’s most intriguing and prestigious properties.
  • Cellular protection up to $600 against damage or theft.

Why we like this card:

The Wells Fargo Active Cash Credit Card is one of the best cash back credit card on the market. This can be one of the best credit cards for couples with kids as it offers 2% cash back on all purchases. If you need a card with no-hassle and gives rewards on every spending category, Wells Fargo Active Cash® Card is the one for you.

The card will provide you a great rate on everyday purchases with a decent welcome bonus.

  • The card has no annual fee.
  • Unlimited 2% cash back on all purchases.
  • Intro APR for purchases and balance transfers.
  • Cellular Telephone Protection and Zero liabilit benefits.
  • High annual APR.
  • The card has foreign transaction fee.

» MORE: Best Cash Advance Credit Cards


5. Bilt World Elite Mastercard® Credit Card

Our pick for: Best credit card for rent payments without charges.

Bilt World Elite Mastercard® Credit Card

Card Highlights:

  • Annual fee: $0.
  • Annual APR: 21.49%, 24.49%, or 29.49% for balance transfer based on your creditworthiness.
  • Welcome Bonus: None.
  • Credit Needed: Excellent/Good.

Reward Details:

  • Earn 3X points on dining.
  • Earn 2X points on travel.
  • Earn 1X points on rent payments (up to 100,000 points annually).
  • Earn 1X point on all other purchases.
  • You earn double points on rent with 6X on dining, 4X on travel, and 2X on other purchases (except rent).

Other Features:

  • The card allows you to earn up to 100,000 points each calendar year on rent at any rental property in the country without a transaction fee.
  • You earn 1X point on rent payment without transaction fee.
  • You can earn double points on all other purchases on rent day up to 10,000 points.
  • You have to use the card 5 times each statement period to earn points.
  • If you take 3 rides in one calender month, you will get a $5 Lyft credit with your Bilt card.
  • World Elite Mastercard Concierge.
  • Cellular telephone protection.

Why we like this card:

The no annual fee Bilt World Elite Mastercard® Credit Card stands out from other cards as it offers rewards on rent payments without charging extra fee.

You earn 1 point per $1 spent on rent (up to 100,000 points annually). You also earn 3X points on dining, 2X points on travel, and 1X points on travel. The reward points are really valuable to the Built Reward Program.

The card also comes with Trip cancellation, interruption protection, and Cellular telephone protection, which makes it a decent choice for tarvelers.

  • The card has no annual fee.
  • Earn 3X points on dining.
  • Earn 2X points on travel.
  • Earn 1X points on rent payments (up to 100,000 points annually).
  • Solid reward on dining and travel category.
  • Rewads can be transfered to tarvel partners.
  • Bonus categories.
  • The card has no welcome bonus.
  • Balance transfer fee up to 5%.
  • High annual APR.

6. Bank of America® Customized Cash Rewards credit card

Our pick for: Best credit card for Home repairing

Bank of America® Customized Cash Rewards credit card

Card Highlights:

  • Annual Fee: $0.
  • Intro APR: 0% intro APR for 15 billing cycles on purchases and balance transfers made within 60 days of account opening.
  • Regular Annual APR: 18.24% – 28.24%.
  • Welcome Bonus: Earn $200 online cash reward bonus after you spend $1,000 on purchases within the first 3 months of card activation.

Reward Details:

  • Earn 3% cash back in the category of your choice and 2% cash back on grocery stores and wholesale clubs for the first $2,500 of combined category/grocery store/wholesale club spending per quarter
  • Earn 1% cash back on all other purchases.
  • Earn 25% to 75% more cash back if you are a Preferred Rewards members.

Other Features:

  • The card has no annual fee.
  • Cardholders earn $200 online cash bonus as welcome bonus after they spend at least $1,000 in purchases in the first 90 days of account opening.
  • Enjoy 3% cash back in the category of your choice, 2% cash back on grocery stores and 1% cash back on all other purchases.
  • The 3% cash back include categories like gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings.
  • You can earn 25%-75% more rewards, if you’re a Bank of America Preferred Rewards® member.
  • Enjoy 0% intro APR for your first 15 billing cycles on purchases and balance transfer made within the first 2 months of account opening.
  • The cash rewards will not expire until your account is open.
  • Cardholders get free access to FICO score.
  • Contactless Chip Technology.

Why we like this card:

The $0 annual fee card, Bank of America® Customized Cash Rewards Credit Card allows you to earn 3% cash back your choice category including (gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings). You can change the 3% cash back category once in a month.

So, if you’re homeowners and going to repair or upgrade your house, then this card is definitley worth for you. The cash back combination of this credit card makes it ideal for home spending.

  • The card has no annual fee.
  • You earn 3% cash back on category you choose.
  • You can earn 25% to 75% more cash back if you are a Preferred Member of the Bank.
  • Generous intro APR period.
  • Decent welcome bonus of $200
  • The card has complicated reward system.
  • Capping on bonus rewards.
  • Best rewardsa are for limited customers.

Bottom Line

Before choosing a card, you main focus should be to find the best all-around credit card that matches your needs. Remember, the best credit card for couples is the one that fulfill your daily needs. To do this, understand your spending patterns, set your goals, and check your daily needs.

Analyze your spending habits (your partner also) to get the most out of a credit card.

Best Credit Card for Couples FAQs:

Which is the best travel credit card for couples?

The best credit cards for couples who loves travel is the Chase Sapphire Preferred® Card. You earn a total 5X points on travel purchases through Chase Ultimate Rewards®. You also earn 3X points on dining and 2X on all other travel purchases.

Can couples apply for a joint credit card?

Nowadays, couples can no longer apply for joint credit cards because joint applications were accespted in the past. Most card issuers today allow only 1 primary cardholder for paying off bills. However, you can add authorized users to your card.

Which is the best cash back credit for couples?

Wells Fargo Active Cash® Card is the best credit card for couples who want a cash back credit card. The card offers 2% cash back on all purchases

What are the best credit cards for couples in 2024?

The best credit cards for couples in 2024 are:
1. Blue Cash Preferred® Card from American Express
2. Chase Sapphire Preferred® Card
3. Capital One SavorOne Cash Rewards Credit Card
4. Wells Fargo Active Cash® Card
5. Bilt World Elite Mastercard® Credit Card
6. Bank of America® Customized Cash Rewards credit card

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