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Best joint credit cards for couples
Looking for the best joint credit card in Canada? Earn accelerated rewards or save money on interest with these credit cards for couples.
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.
Best joint 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 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 up to 10,000 bonus Scene+ points. Earn 5,000 Scene+ points when you spend $750 in the first 3 months, and earn 5,000 points when you spend at least $5,000 in your first year. Apply by April 30, 2023.
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 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.
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.
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.
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