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Best credit cards for couples
Earn accelerated rewards or save money on interest.
How we chose the best couples cards
We’ve chosen the 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.
Best credit cards for couples
Best for dining and entertainment:Scotiabank SCENE Visa Card
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 5 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 2,500 bonus SCENE points when you spend a minimum of $500 on eligible purchases in the first three months as a new SCENE Visa cardholder.Apply by July 1, 2021.
Best for married couples: Scotia Momentum Visa Infinite Card
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.
Best for couples who travel often: BMO AIR MILES World Elite Mastercard
The BMO AIR MILES World Elite Mastercard lets you earn accelerated AIR MILES that can be redeemed for travel perks and merchandise. Get 3x the Miles for every $12 spent at participating AIR MILES Reward Partners. Plus, get 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. Complimentary membership in Mastercard Airport Experiences provided by LoungeKey, with exclusive VIP access
Best for couples who are often on the road: American Express Gold Rewards Card
The American Express Gold Rewards Card lets you earn accelerated travel rewards points that can be used towards flights or transferred to frequent flyer and other loyalty programs. Earn 2 Membership Rewards points for every $1 spent on eligible gas station, grocery store, drug store and travel purchases and on eligible hotel and car rental bookings made with American Express Travel, and earn 1 Membership Reward point for every $1 spent on all other eligible purchases
As an added bonus, the card comes with a generous incentive for new cardmembers. Earn a Welcome Bonus of 25,000 Membership Rewards points when you spend at least $1,500 on eligible purchases within the first three months Card members also get access to a suite of travel benefits including insurance coverage. However, take note that this is a charge card, not a regular credit card, which means that you must pay off your balance fully each month or a penalty interest rate of 30% will be applied.
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.