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There are dozens of credit cards that are great for couples, who are looking for the best joint credit card in Canada. The best joint credit cards for couples allow you to pool rewards and even allow you to maximize rewards based on your primary spending categories.
Read our guide on the best joint credit cards for couples, to find the best joint credit card that maximizes rewards and minimizes costs.
The credit cards included in the Finder guide to the best joint credit cards for couples are selected based on information provided to Finder as well as analysis of credit cards suitable for couples and partners sharing a credit card account. The list provided in this guide does not represent the entire credit card market. When assessing credit card options, we consider key factors such as fees, ease of application, potential rewards, additional perks, such as balance protection, as well as suitability. No single credit card can be considered the best for all Canadians. As such, we strongly recommend you compare credit card options before selecting and applying for a credit account.
If you’ve got no credit history and are looking for a rewards card with a $0 annual fee, the Scotiabank SCENE+ Visa Card is worth taking a look at – especially if you’re a big movie buff. Earn 2 Scene+ points on every $1 you spend at Sobeys, Safeway, Foodland & Participating Co-ops, FreshCo and more. Plus, earn 2 Scene+ points per $1 spent at participating Cineplex theatres or cineplex.com, and earn 1 Scene+ point per $1 spent on eligible purchases elsewhere. Redeem your SCENE points for movie tickets or take advantage of discounts at participating restaurants.
Pay $0 to add a Supplemental Cardholder to your account. As an added incentive, the Scotiabank SCENE+ Visa Card offers a appealing signup bonus. Earn 5,000 Scene+ points when you spend $750 in the first 3 months. Apply by February 29, 2024.
No annual fee. This card has a $0 annual fee.
Earn rewards points. Earn 2 Scene+ points on every $1 you spend at Sobeys, Safeway, Foodland & Participating Co-ops, FreshCo and more. Plus, earn 2 Scene+ points per $1 spent at participating Cineplex theatres or cineplex.com, and earn 1 Scene+ point per $1 spent on eligible purchases elsewhere. Redeem points for free movies and discounts at participating restaurants.
No fee to add a Supplemental Cardholder. Pay $0 to add another authorized user to your account, so you can rack up points faster.
Signup bonus. Earn 5,000 Scene+ points when you spend $750 in the first 3 months. Apply by February 29, 2024.
Car rental perks. Get a discount of up to 25% off at participating Budget and AVIS car rental locations in both Canada and the US.
Optional insurance available. Optional insurance is available (for a fee) to help pay down your balance if you become critically ill, disabled or can't work due to job loss, strikes or lockouts. If you pass away or become diagnosed with a Covered Critical Illness, your card balance can be paid off up to $50,000.00. Terms apply.
Foreign conversion fee. Every time you charge a purchase to your card in a foreign currency, you’ll incur a 2.5% fee.
Limited travel benefits. If you’re looking for a card that will give you travel rewards, you might want to look elsewhere. This card offers car rental discounts, but it doesn’t come with other common travel perks like insurance coverage, flight discounts and hotel upgrades.
Foreign transaction fee. This card has a foreign transaction fee of 2.5%. This will apply on any overseas purchases or any purchases made online with an international retailer.
Earn 4% cash back for every $1 spent on eligible grocery purchases & recurring bill payments, 2% per $1 spent on eligible gas purchases & public transit, and 1% per $1 spent on all other eligible purchases.
With this card, you’ll get access to a comprehensive suite of travel insurance coverage. In addition, the annual fee is waived in the first year – a value of $120.
High regular cash back rates for gas, groceries and more. Earn 4% cash back for every $1 spent on eligible grocery purchases & recurring bill payments, 2% per $1 spent on eligible gas purchases & public transit, and 1% per $1 spent on all other eligible purchases.
High signup cash back bonus rate. Earn 10% cash back on all purchases for the first 3 months (up to $2,000 spend). Plus, pay no annual fee in the first year. Apply by October 31, 2024.
No annual fee in the first year. The $120 annual fee is waived in the first year.
Travel insurance. Pay for your flight with your card and get complimentary insurance for emergency medical situations up to $1,000,000, trip interruptions and cancellations, flight delays, lost and delayed baggage.
Annual fee. After the first year, the annual fee of the card is $120.
Eligibility requirements. You must have a minimum personal income of $60,000 annually, or a minimum household income of $100,000.
Missed payments. If you fail to make 2 minimum payments in a 12 month period, the account rates will change to 24.99% on purchases and 27.99% on cash advance transactions.
Foreign transaction fees. You’ll face a 2.5% foreign transaction fee every time you spend overseas or use the card online with an international retailer.
The BMO AIR MILES World Elite Mastercard lets you earn accelerated AIR MILES that can be redeemed for travel perks and merchandise. Get 3 Miles for every $12 spent at participating AIR MILES Reward Partners, 2 Miles for every $12 spent at any eligible grocery store and 1 AIR MILE for every $12 spent on eligible purchases. To sweeten the deal, the card comes with an enticing signup bonus. Earn a bonus of up to 2,000 AIR MILES. Terms apply. Plus, get the annual fee of $120 waived in the first year.
Cardholders also get a range of complimentary travel benefits including travel insurance coverage. Use less Miles with an exclusive 25% discount on one worldwide AIR MILES flight redemption during the calendar year. Plus, get complimentary membership in Mastercard Travel Pass provided by DragonPass.
Signup bonus. Earn a bonus of up to 2,000 AIR MILES. Terms apply. Plus, get the annual fee of $120 waived in the first year.
Miles per dollar. Get 3 Miles for every $12 spent at participating AIR MILES Reward Partners, 2 Miles for every $12 spent at any eligible grocery store and 1 AIR MILE for every $12 spent on eligible purchases.
Get 2X the Miles. Earn 3X the Miles when you pay with your credit card and show your AIR MILES Card at AIR MILES partners.
Travel perks. Use less Miles with an exclusive 25% discount on one worldwide AIR MILES flight redemption during the calendar year. Plus, get complimentary membership in Mastercard Travel Pass provided by DragonPass.
Travel insurance coverage. Get peace of mind with a wide range of travel insurance benefits including up to $2,000,000 Out-of-Province/Out-of-Country Emergency Medical Protection as well as coverage for delayed flights; trip cancellations, interruptions and delays; rental car collision damage and baggage loss, theft or damage.
Rental car discounts. Get up to a 25% discount at National Car Rental and Alamo Rent A Car locations with complimentary Collision Damage Waiver benefits (MSRP of up to $65,000).
Annual fee. This card has an annual fee of $120.
Foreign transaction fee. This card has a foreign transaction fee of 2.5%. This will apply on any overseas purchases or any purchases made online with an international retailer.
Eligibility requirements. You’ll need to earn a personal income of at least $80,000, or a combined household income of at least $150,000 annually.
How we chose the best credit card for couples
We’ve chosen the best credit card for couples cards on this page based on the providers available through Finder. These cards are not representative of the entire market. Our top choices offer rewards and perks on spending useful to couples. We selected the cards that had the best combination of these perks.
No single rewards card will be the best choice for everyone, so compare your options before picking your new card.
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 everyday purchases made at supermarkets, gas stations and restaurants, or on categories like 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 over the long term without interest. If you already have credit card debt and you find it hard to pay it off, a card with a low intro APR 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 couples could benefit from.
Compare other credit card options for couples
If the cards highlighted above don’t suit your financial situation or needs, check out other credit cards in the table below. To compare the features of multiple cards side-by-side, check the compare box beneath each card you’re interested in, then click the compare button in the popup.
Bottom line
Couples have excellent credit card options to choose from. You can get a card with rewards on travel, gas, dining and entertainment and so much more.
But if you don’t think any of the cards above will work for your situation, learn more and compare other credit card options to help find the best card for your needs.
Frequently asked questions
Generally yes, 4% is the highest rewards rate you can get with a credit card on groceries, although some may offer higher introductory rates for a short period of time.
In most cases, it is. If the main cardholder pays off the card balance on time, the authorized user can piggyback and get a boost on their credit score. The authorized user can also earn reward points on their spending, which will accrue on the main cardholder’s account.
With the right credit card, you can get a lot of perks and benefits. But if you combine it with a second card, you may get an even higher value.
Kliment Dukovski is a personal finance writer at Finder, specializing in investments and cryptocurrency. He's written more than 700 articles to help readers compare the best trading platforms, understand complex investment terms and find the best credit cards for their needs. His expert commentary has been featured in such digital publications as Fox Business, MSN Money and MediaFeed. He’s also well-versed in money transfers, home loans and more — breaking down these topics into simple concepts anyone can understand. In another life, Kliment ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.
Find out whether it’s worth getting your finances in order by using your rewards points to pay down some – or all – of your credit card balance.
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