Are you and your partner looking for the best credit cards that offer great rewards, cashback rates, features, and more? Look no further!

We have compiled a list of the top credit cards for couples that provide excellent benefits.

Whether you are a newcomer or an experienced user, this list has something to offer everyone.

From generous sign-up bonuses to high cashback rates on everyday purchases, these credit cards can help you and your partner save money while enjoying all of their features.

Read on to discover our picks for the available best credit cards for couples today – with all their pros and cons laid out in detail!

What Are the Best Credit Cards for Couples?

Let’s delve into the list of these top-notch credit cards for couples to help you decide which is best suited for your needs.

Wells Fargo Active Cash® Card

wells fargo active cash

Newcomers to this card are eligible for 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. Additionally, newcomers will receive a $200 cash rewards bonus when they spend $1,000 in purchases within the first 3 months after opening their account.

Cashback Rates

  • Unlimited 2% cash rewards on all purchases – no bonus categories to track or quarterly activations necessary


  • Depending on your creditworthiness, you can expect a Variable APR of 19.24%, 24.24%, or 29.24%

  • $0 Annual Fee

  • The Wells Fargo Active Cash Card comes with an associated balance transfer fee (typically 5%)

  • A 3% fee will be imposed on each foreign transaction converted to U.S. dollars

  • Credit Close-Up℠ is offered in order to learn how to monitor and improve your FICO® Score. Get free monthly updates plus tailored credit insights for Wells Fargo Online® clients. Plus, using this service is safe and won’t damage the credit score

  • Zero Liability protection is a pre-installed safeguard that protects from any unauthorized transactions as long as they’re reported promptly. Users won’t be held responsible for any of these charges


For starters, it offers a 0 % intro APR for 15 months from account opening on purchases and qualifying balance transfers, which is great if you’re looking to make a large purchase.

Additionally, it comes with unlimited 2% cash back on purchases with no bonus categories to track or quarterly activations.

No annual fee and variable APR of 19.24%, 24.24%, or 29.24% is also included providing flexible options for customers.


A balance transfer fee is associated with the card and charges a 3% fee on each foreign transaction amount converted to U.S. dollars.

It also does not come with a rewards program, which is a downside compared to other cards that offer rewards in addition to the cashback.

Bottom line

While there are fees associated with the card, Wells Fargo Active Cash® Card is an excellent option for couples who want to save money and earn rewards.

The intro cash reward can be great if you’re planning to make a large purchase and need some time to pay it off.

It offers a 0% intro APR and cashback rewards that are unlimited and easy to track.

Customers can also take advantage of the Credit Close-Up℠ feature to help better understand and track their FICO® Score.

SavorOne Rewards from Capital One

savorone rewards

This credit card offers newcomers an excellent opportunity to earn a one-time $200 cash bonus.

To take advantage of this offer, all one needs to do is spend $500 or more on purchases within the first three months of account opening.

Furthermore, the card also offers an introductory 0% APR for 15 months on purchases and balance transfers.

After that, a variable APR rate is applied.

Cashback Rates

  • Unlimited cashback at 3% when dining out, going to the movies, streaming content from your favorite services, and shopping for groceries.

  • 1% on all other purchases


  • No annual fee is charged

  • Variable Annual Percentage Rate ranging from 17.99% to 27.99%

  • No additional transaction fees. Users won’t be charged for any transactions made outside the U.S.

  • For all the account life, the credit card rewards will never expire, and they can be cashed out at any amount

  • 3% fee for every balance transferred to the account within the first 15 months of opening it, as well as any other promotional APR that may be offered in the future

  • Receive instantaneous notifications any time when the TransUnion® or Experian® credit report changes

  • Another authorized user to the account can be added along with the spending tracker


The credit card offers a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months, giving newcomers a great incentive to get started with their credit journey.

The unlimited 3% cash back on dining, entertainment, popular streaming services, and grocery stores make it a great rewards card.

The annual fee of $0 is also an attractive option for couples looking for a credit card.


The 3% fee for each balance transferred and the 17.99% – 27.99% variable APR after the introductory period are potential drawbacks for couples looking to get the most out of their credit card.

Bottom line

The SavorOne Rewards from Capital One is an excellent choice for couples who want to earn rewards with their spending.

With this card, newcomers can get an exciting cash bonus and a good 0% intro APR for more than a year.

The cashback rate is very attractive, and rewards can be redeemed at any amount.

Additionally, this card offers no foreign transaction fees, and credit card rewards don’t expire for the life of the account.

Adding an authorized user is a great feature for couples because they can track spending by the user and improve credit scores.

Blue Cash Preferred® Card from American Express

blue cash preferred

This credit card has a special offer for newcomers.

You can get 0% intro APR on purchases and balance transfers for 12 months, and you can get a reduced plan fee when you split up big purchases into monthly payments.

Plus, if you spend $3,000 in your first 6 months with the card, you will get $250 back as a statement credit.

Cashback Rates

  • 6% cash back on groceries, up to $6,000 in purchases yearly from U.S. supermarkets

  • 6% cash back on a selection of U.S.-based streaming services

  • 3% cash back on all commuting expenses – from taking a cab, ridesharing, parking lots, and tolls to train rides, bus fares, and more

  • 3% cash back on U.S. gas station purchases

  • 1% cash back on other purchases. Purchases through cashback in Reward Dollars can be redeemed directly as a statement credit


  • Annual fee of $0 for the first year, followed by just $95 each year after

  • After the intro period, the interest rates range from 18.24% to 29.24%, depending on the market and creditworthiness

  • For every transaction conducted in a foreign currency, the user will be charged 2.7% of the amount after conversion to U.S. dollars

  • Each time an Additional Card Member purchases with their card, the main user too can benefit and earn cash back as if they had made the purchase themselves

  • The fee for each transfer will be whichever is higher, either $5 or 3% of the total amount

  • With Return Protection, eligible purchases made in the U.S. or its territories can be returned up to 90 days from the purchase date, even if the seller won’t accept them back


The credit card offers an introductory APR on purchases and balance transfers for 12 months which can give new cardholders extra time to pay down any large balances without incurring additional interest charges.

Additionally, there is a reduced plan fee for those who split up large purchases into monthly installments.

Furthermore, cardholders can earn generous cash back on groceries, streaming services, transit, and gas purchases.


The annual fee is $95 after the first year, which could be cost-prohibitive for some.

Additionally, there is a foreign transaction fee of 2.7% of each transaction after conversion to U.S. dollars, which can be a concern for those who frequently travel abroad.

Additionally, the cashback rewards are only redeemable in statement credits, which might not be ideal for everyone.

Bottom line

With its 0% intro APR on purchases and balance transfers for 12 months, no annual fee for the first year, and cashback rewards of up to 6% on select purchases, it’s an excellent way for couples to get the most out of their money.

It also has return protection and additional card member benefits, making it an even better option.

The best combination of rewards, benefits, and savings makes it an ideal choice for those looking to save money while they shop.

Chase Freedom Flex℠ Credit Card

chase freedom flex

The Chase Freedom Flex℠ Credit Card offers newcomers $800 total cash back.

You can get a $200 bonus if you spend $500 on purchases in the first 3 months.

Plus, you can get 5% cash back when buying groceries (except at Target® and Walmart®) up to $12,000 in the first year (which is like getting an extra $600).

You also don’t have to pay interest for 15 months from opening your account.

Cashback Rates

  • 5% cashback reward on up to $1,500 combined purchases through bonus categories each quarter after they’re activated

  • 5% cash back on travel purchased with the Chase Ultimate Rewards®

  • 3% cash back on all dining needs, such as takeout and delivery services

  • 3% cashback rewards when shopping at the local drugstore

  • 1% cash back on all other purchases


  • The annual fee is $0

  • Competitive variable APR, ranging from 18.74% to 27.49%

  • For all transactions made in U.S. dollars, a foreign transaction fee of 3% will be applied to the total amount

  • After the intro offer, the balance transfer fee is either $5 or 5% of the amount of each transfer, whichever is greater

  • With no minimum required for redemption, cashback can be received as a statement credit or direct deposit into most U.S. checking and savings accounts

  • As long as the account remains open, the benefits of cashback rewards will be active

  • With the Credit Journey service, it is possible to quickly and conveniently access the weekly credit score for free at any time. Plus, personalized insights to help improve credit health are provided, as well as resources such as the score simulator and score factor breakdown


The card offers an impressive $800 total cash back bonus and 5% cash back on grocery store purchases up to $12,000 spent in the first year.

Additionally, the 3% cash back on dining and drugstore purchases is a great perk to save money.

Furthermore, the no annual fee, 0% intro APR for 15 months, and no minimum cashback redemption make this a great choice.


The 3% foreign transaction fees can discourage those who want to look to travel overseas.

Additionally, the balance transfer fee can add up quickly.

Finally, the variable APR after the intro period of 18.74%-27.49% isn’t lower than other cards in the market.

Bottom line

This no-fee credit card has an introductory offer that is hard to beat, plus the 5% cash back on grocery store purchases makes it a great way to save money.

Additionally, cashback rewards do not expire as long as the account is open.

Couples can also take advantage of the additional cashback rewards and personalized insights to help them build, monitor, and protect their credit health.

In short, the Chase Freedom Flex℠ Credit Card is one of the best cards for couples who want to maximize their cashback rewards.

Chase Sapphire Preferred® Card

chase sapphire preferred

If you get the Chase Sapphire Preferred® credit card, you can earn 60,000 bonus points if you spend $4,000 in the first 3 months after opening your account.

That’s like getting $750 to use for travel. These must be redeemed through Chase Ultimate Rewards®.


  • $50 in statement credits every year when Chase Ultimate Rewards® is used for hotel stays

  • 5x the points on all travel purchases made through Chase Ultimate Rewards®, excluding hotels that qualify for an annual $50 Ultimate Rewards Hotel Credit

  • 2x points on other travel purchases

  • 3x points on every dining experience, including delivery services, takeout, and restaurants

  • 3x points on online grocery purchases, except Target, Walmart, and wholesale clubs


  • There is an annual fee of $95

  • Variable APR between 19.74% and 26.74%

  • There is no foreign transaction fee when the card is used outside the United States

  • 25% more points value when booking travel, compared to the usual 1 point per $1 spent on non-travel purchases

  • For each account anniversary, bonus points will be received that equal 10% of all purchases you made in the previous year. So if $25,000 is spent on transactions during the 12-month cycle preceding the anniversary date, 2,500 bonus will be given

  • There is no cap on points that can be earned. Additionally, your points will never expire as long as the credit card account is open and active

  • With My Chase Plan®, eligible cardmembers can convert their qualifying purchases of $100 or more into low monthly payments. No interest applies, just a minimal fixed fee each month


It offers a great introductory offer and a range of features that make it even more attractive.

This card also has a great rewards program that gives 5x total points on travel purchased through Chase Ultimate Rewards®, and users can get 25% more value when redeemed for travel.

Furthermore, there is no limit to the number of points one can earn, and the points don’t expire as long as the account is open.


This card has an annual fee of $95, which can reap all the rewards and benefits.

Bottom line

The Chase Sapphire Preferred® Card is a great option for couples who want excellent rewards and benefits.

With no foreign transaction fees, the card is highly recommended for international travel. Using Chase Ultimate Rewards® to redeem points offers excellent value on airfare, hotel stays, car rentals, cruises, and more.

With this card, you can get a generous welcome bonus, great rewards program with no limit to the number of points earned, and 25% more value when redeemed for travel.

U.S. Bank Shopper Cash Rewards™ Visa Signature® Card

us bank shopper cash rewards visa signature

Newcomers to the U.S. Bank Shopper Cash Rewards™ Visa Signature® Card can benefit from an attractive offer with a $250 bonus after spending $2,000 in eligible purchases within the first 120 days of account opening.

Cashback Rates

  • 6% cash back on the first $1,500 combined purchases each quarter when shopping with two chosen retailers

  • 3% cash back on the initial $1,500 in qualified purchases when one of the everyday categories like wholesale clubs, gas stations, charging E.V. vehicles, bills, and utilities is selected

  • 1.5% cashback for all purchases that qualify

  • 5.5% cash back on all prepaid hotel and car reservations when booked directly through the Rewards Travel Center


  • After the intro offer, the annual fee becomes $95

  • The APR (Annual Percentage Rate) could change; the variable interest rate for Purchases and Balance Transfers is between 18.74% to 28.74%

  • There is an associated fee of 3% on each transfer when making a foreign purchase or withdrawing cash from a different country

  • For every balance transfer made, a fee of 3% will apply to the amount transferred (at least $5)

  • With U.S Bank ExtendPay® Plan, the payments can be easily divided into manageable monthly installments with no interest while keeping the credit card rewards. This comes for a small fee

  • With flexible redemption, cashback can be obtained as a statement credit, rewards card, merchant gift card, or directly deposited into a U.S. Bank checking or savings account


The introductory offer is very generous and provides an excellent opportunity to get started.

The card also has some great features, like the $0 intro annual fee for the first year and the ability to divide large purchases into fixed monthly payments for a small fee. You can also redeem your cashback in various ways, making this card highly flexible.

The cashback rate is advantageous and allows you to maximize your rewards.

Moreover, the APR range is reasonable, and it’s also good that there is no annual fee for the first year.


The 3% transaction fee for foreign purchases and ATM withdrawals is high. Also, if you need to make a balance transfer, you will also be charged a 3% fee.

Bottom line

The U.S. Bank Shopper Cash Rewards™ Visa Signature® Card is an excellent choice for couples who need to manage their spending in a cost-efficient way and benefit from rewards.

With cashback rates of up to 6% on combined eligible purchases at two retailers, 3% cash back on an everyday category, and 1.5% cash back on all other eligible purchases, couples can maximize their credit card rewards and save money.

With all these excellent benefits, couples can take advantage of the U.S. Bank Shopper Cash Rewards™ Visa Signature® Card to enjoy the best rewards and cost savings.

Bank of America® Customized Cash Rewards Credit Card

bank of america customized cash rewards

With the credit card, after making at least $1,000 in purchases in the first 90 days of your account opening, you’ll receive an exclusive online $200 cash rewards bonus.

Additionally, you can take advantage of a 0% introductory APR offer for your first 18 billing cycles for purchases and for any balance transfers made within the first 60 days of opening your account.

Cashback Rates

  • 3% cash back in any of the following categories: gas stations, online shopping sites, dining establishments, travel expenses, drug stores, and home improvement/furnishing retailers

  • 2% cash back on all of your grocery and wholesale purchases

  • 1% cash back on other purchases

  • 3% and 2% cash back on the first $2,500 spent at choice category stores, grocery stores, and wholesale clubs. After that, cashback is 1%


  • No annual fee

  • After the initial introductory APR offer expires, a Variable APR ranging from 17.74% to 27.74% will take its place

  • To process a transaction made outside the U.S. in either foreign currency or U.S. dollars, 3% of the total amount must be charged as an additional fee

  • For any balance transfers, a 3% fee (minimum of $10) applies

  • Preferred Rewards members earn 25%-75% more cash back on every purchase

  • At any time, cash rewards can be received in the form of statement credits, deposits to a Bank of America® checking or savings account, or credit for an eligible Merrill account


The credit card offers a generous bonus for newcomers: earn a $200 cash rewards bonus after making at least $1,000 in purchases within the first 90 days of account opening.

The card also has a low introductory APR for purchases, balance transfers, and cashback rewards in various categories.

You can earn up to 3% cash back in the category of your choice, plus 2% cash back at grocery stores and wholesale clubs. There is no annual fee, and you can redeem your cash rewards anytime.


This card has a 3% fee (min $10) for all balance transfers, and only Preferred Rewards members may earn 25%-75% more cash back on every purchase.

It’s also important to note that after the intro APR offer ends, a Variable APR that’s currently 17.74% to 27.74% will apply.

Bottom line

The Bank of America® Customized Cash Rewards Credit Card is an excellent choice for couples seeking to maximize their rewards.

With no annual fee for the intro period, generous cashback rates, and flexible redemption options, this card is an excellent way for couples to save on their purchases.

Wells Fargo Reflect® Card

wells fargo reflect

The Wells Fargo Reflect® Card offers an enticing offer for newcomers to the card – 0% intro APR on purchases and qualifying balance transfers for 18 months from account opening.

Additionally, the introductory period can be extended for 3 months with on-time minimum payments during this time frame.

Customers who transfer balances within 120 days are eligible for the introductory rate and fee.

Cashback Rates

  • The credit card offers no rewards


  • $0 annual fee

  • 17.24% to 29.24% variable APR after the introductory period

  • Every foreign transaction you make will incur a 3% fee

  • Once the introductory period is over, up to 5% for each balance transfer, with a minimum of $5

  • FICO® Score monitoring with Credit Close-Up℠. Get a monthly credit score update and personalized credit advice – complimentary for Wells Fargo Online customers. Utilizing it won’t impact ratings negatively

  • Tailored offers from a variety of retailers with My Wells Fargo Deals. Simply by using an appropriate Wells Fargo credit card, it’s easy to get cash back as an account credit when shopping, dining, or engaging in activities


The card offers a 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers, with an additional 3-month extension.

This is a long period to make progress on credit card debt without being charged interest.

Additionally, the card has no annual fee and access to personalized deals from various merchants.


Customers planning on using the card for everyday purchases won’t earn any points or cashback.

Furthermore, balance transfers are subject to a fee of up to 5%, with a minimum of $5, which can quickly add up.

Bottom line

The Wells Fargo Reflect® Card is ideal for couples looking to manage their finances responsibly and maintain a good credit score.

With an extended intro offer and no rewards program, couples can focus on paying off existing debt while avoiding the temptation of making new purchases. The ability to track FICO® Score with Credit Close-Up℠ makes this card attractive for couples.

Furthermore, My Wells Fargo Deals allows personalized deals to be earned as account credit when shopping.

Can Couples Get Credit Cards Together?

Yes, many couples get a joint credit card account to share financial responsibility and benefit from the same rewards.

A joint credit card is an account that both parties are responsible for, and both names will appear on the same card.

Additionally, authorized users on an account can also benefit from points or rewards programs associated with it without having to be legally responsible for any payments due.

By using a joint credit card, couples can improve their credit scores together and combine rewards into one program to maximize the benefits.

Can Unmarried Couples Get a Joint Credit Card?

Although credit cards are traditionally seen as something for married couples, unmarried couples can also benefit from having a joint credit card.

This type of credit card is an authorized user credit card and grants one person access to the credit card while the other person is solely responsible for making payments.

With an authorized user credit card, both parties gain access to various perks, such as increasing or establishing their credit scores, combining points and rewards programs with each other’s credit cards, and splitting the financial responsibility.

Therefore, an authorized user credit card can be a valuable tool for unmarried couples when it comes to managing their finances.

Should a Married Couple Have Separate Credit Cards?

For married couples, choosing whether to have separate credit cards should be weighed carefully.

On the one hand, having independent accounts allows both parties to maintain their financial autonomy and privacy, while using joint credit cards can simplify bank reconciliation and create a shared financial plan.

Ultimately, it is up to each couple to consider their particular needs regarding credit cards – tallying what expenses would individually be charged on credit versus which expenditures are appropriate for a joint card.

In doing so, couples can arrive at a decision that’s in both parties best interests regarding credit usage and wealth management.

Choose the Best Credit Card for You and Your Partner

Finding the best credit cards for couples can be difficult, but we’ve made it easy with our list of the best options from various credit card companies. So no matter your needs, there is a credit card for you and your partner.

From earning rewards to building credit, these cards will help you reach your financial goals as a couple.

So what are you waiting for? Apply for your next credit card today!