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Best credit cards for couples

Earn accelerated rewards or save money on interest.

Updated

Fact checked

Our pick for couples: Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express logo

Up to 6%

Cash back

  • Huge 6% cash back on select US streaming services
  • 6% at US supermarkets on up to $6,000 each year, then 1%
  • Enjoy cash back on gas and transit, too
Apply now
See rates & fees

There are many credit cards to choose from, and finding the right one for you and your significant other can be exciting. Some of the reward categories include dining and entertainment, groceries and gas or travel purchases.

Best credit cards for couples

Best for couples who are often on the road

Costco Anywhere Visa® Card by Citi

Costco Anywhere Visa® Card by Citi logo
Finder Rating: 3.6 / 5

★★★★★

Credit recommended (740-850)
Apply now
on Citi's secure site
740
Min. credit score
$0
Annual fee
Up to 4%
Cash back
n/a
Welcome offer
The Costco Anywhere Visa® Card by Citi can be quite rewarding if you spend up to 7,000 on gas annually. In addition, you also earn accelerated rewards on dining and travel, and you won't pay an annual fee as long as you have a Costco membership.
  • Cash back. Earn 4 cash back on gas purchases on up to 7,000 each year, 1 after that. Purchases made on travel and dining at restaurants earn 3 back, Costco purchases earn 2 cash back and everything else you buy earns 1 back.
  • No foreign transaction fees. If you travel abroad, use this card freely and you won't accrue any foreign transaction fees.
  • Use the card as a Costco ID. With this card, you don't need to show your Costco membership ID to enter Costco.
Annual Fee $0
Purchase APR 15.24% variable
Balance transfer APR 15.24% variable
Welcome offer N/A
Rewards 4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases

Best for dining and entertainment

Capital One® Savor® Cash Rewards Credit Card

Capital One® Savor® Cash Rewards Credit Card logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850)
Read review
Rates & fees

670
Min. credit score
$95 ongoing
Annual fee
Up to 8%
Cash back
$300
Welcome offer
Couples that often go out should consider the Capital One® Savor® Cash Rewards Credit Card. That's because you get to earn one of the highest rewards rates on dining and entertainment, plus you get access to things like VIP tickets and five-star meals via the OpenTable app.
  • Cash back. Earn 4% cash back on dining and entertainment purchases, 2% at grocery stores and 1% back on all other purchases.
  • Dining perks. Cardholders get access to presale tickets for food festivals, exclusive access to prime-time reservations, access to cardholder only dinners with renowned chefs and more.
  • Signup bonus. Earn a $300 cash bonus once you spend $3,000 in your first 3 months of account opening.
Annual Fee $0 intro annual fee for the first year ($95 thereafter)
Purchase APR 15.99% or 24.99% variable
Balance transfer APR 15.99% or 24.99% variable
Welcome offer $300 after spending $3,000 in the first 3 months
Rewards 8% cash back with Vivid Seats, 5% on Uber Eats, 4% on dining and entertainment, 2% at grocery stores and 1% on all other purchases

Best for married couples

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express logo
Finder Rating: 4.3 / 5

★★★★★

Credit recommended (670-850)
Apply now
on American Express's secure site
Rates & fees

670
Min. credit score
$95
Annual fee
Up to 6%
Cash back
$250
Welcome offer
Couples who live together get to earn the highest rewards rate on purchases made at US supermarkets and on US streaming services with the Blue Cash Preferred® Card from American Express. You also get to earn a solid cashback rate on gas at US gas stations and transit purchases like rideshares, taxis, parking, tolls and more.
  • Cash back. Earn 6% cash back at US supermarkets on up to 6,000 annually, 1% thereafter. Earn 6% back on US streaming services without an annual cap and 3% back at US gas stations and transit purchases. Everything else you buy earns 1% cash back.
  • Welcome offer. Earn a $250 bonus as a statement credit after you spend $1,000 in your first 3 months of card membership.
  • Intro APR period. Get 12 months of 0% intro APR period on purchases. After that, your rate reverts to 13.99% to 23.99% variable.
Annual Fee $95
Purchase APR 0% intro for the first 12 months (then 13.99% to 23.99% variable)
Balance transfer APR N/A
Welcome offer $250 after spending $1,000 in the first 3 months
Rewards 6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases

Best for couples who often travel

The Platinum Card® from American Express

The Platinum Card® from American Express logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850)
Read review
Rates & fees

670
Min. credit score
$550
Annual fee
Up to 5x
Points
60,000
Points welcome offer
The Platinum Card® from American Express is one of the most rewarding cards for couples who travel often. With this card, you get to earn accelerated points on airfare and hotel purchases, you get a generous welcome offer and a whole lot of benefits including access to the Global Lounge Collection, elite status at Hilton and Marriott hotels and more.
  • Reward points. Earn 5x points on airfare purchased directly with the airline or via the Amex Travel portal and 5x points on hotels booked through Amex Travel. All other purchases earn 1x points.
  • Welcome offer. Earn 60,000 bonus points after you spend $5,000 in your first 3 months of card membership.
  • Premium benefits. Get application fee credit for TSA PreCheck or Global Entry, a $200 annual airline fee credit, up to $200 in Uber cash each year, access to more than 1,200 airport lounges worldwide, car rental upgrades and discounts and more.
Annual Fee $550
Purchase APR
Balance transfer APR
Welcome offer 60,000 points after spending $5,000 in your first 3 months
Rewards 5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases

How we picked our best cards

We compared all credit cards with perks and rewards on spending useful to couples. We selected the cards that had the best combination of these perks.

How to compare credit cards for couples

When looking to choose the best credit card for couples, here’s what to keep in mind:

  • Reward categories. Consider where you spend most of your money and aim for a credit card with accelerated rewards on that particular category. You can get cards with accelerated rewards on purchases made at supermarkets, gas stations, restaurants, or purchases made on dining and travel.
  • Intro APR period. If you’re renovating a home and want to make a large purchase, for example, look for a credit card with 0% intro APR period on purchases. This can help you pay off your balance long term without interest. If you already have credit card debt and you find it hard to pay it off, a card with a 0% intro APR period on balance transfers should be on the top of your list.
  • Annual fee. As a rule of thumb, the more the card costs, the more perks and benefits you get. If you can use the additional perks, then paying an annual fee should be worth it. But if you can’t afford to pay an annual fee, there are excellent no-annual-fee credit cards for couples.

Bottom line

Couples have excellent credit card options to choose from. You can get a card with rewards on travel, gas, dining and entertainment or you can earn rewards on groceries and streaming services.

But if you don’t think any of the cards above will work for your situation, compare other credit card options.

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