Best joint credit cards for couples

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.

• The perks

  • 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 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.
  • 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.

• Watch out for

  • 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.

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.

• The perks

  • 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).

• Watch out for

  • 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.