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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

Scotiabank SCENE+ Visa Card

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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 7,500 Scene+ points in the first 3 months. Apply by July 1, 2024.

Best for married couples: Scotia Momentum Visa Infinite Card

Scotia Momentum Visa Infinite Card

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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.

Best for couples who travel often: BMO AIR MILES World Elite Mastercard

BMO AIR MILES World Elite Mastercard

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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.

Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
RBC ION Visa
3,500 points
1.5 points per $1 spent
20.99%
$0
Min. recommended credit score: 660
Get 3,500 Avion points when you get approved for the card.
Neo Credit Mastercard
Get $25.00 + up to 15% cash back
Up to 5% cash back
19.99% - 29.99%
$0
Min. recommended credit score: 600
Get $25 when you sign up for the Neo Financial Mastercard. Plus, earn bonuses like 15% cashback on your first purchase at most partners, and earn an average of 5% cashback at partner stores and at least 1% cashback guaranteed.
Tangerine World Mastercard
10% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 600
Earn 10% cash back (up to $100) when you spend $1,000 in the first 2 months. Valid until April 30, 2024. Plus, get a 1.95% interest rate on balance transfers for the first 6 months.
American Express Cobalt Card
15,000 points
Up to 5x points per $1 spent
21.99%
$155.88
Min. recommended credit score: 700
Earn up to 15,000 Membership Rewards points in your first year. Earn 1,250 Membership Rewards points for each monthly billing period in which you spend $750 in purchases. That’s up to $150 towards a weekend getaway or concert tickets.
BMO CashBack Mastercard
5% cash back
Up to 3% cash back
20.99%
$0
Min. recommended credit score: 660
Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. spend of $2,500). Plus, get a rate of 0.99% on balance transfers for 9 months. A 2% fee applies to transferred balances.
Tangerine Money-Back Credit Card
10% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 600
Earn 10% cash back (up to $100) when you spend $1,000 in the first 2 months. Valid until April 30, 2024. Plus, get a 1.95% interest rate on balance transfers for the first 6 months.
RBC Cash Back Mastercard
N/A
Up to 2% cash back
20.99%
$0
Min. recommended credit score: 650
RBC ION+ Visa
7,000 points
3 points per $1 spent
20.99%
$48
Min. recommended credit score: 660
Get up to 7,000 welcome points. Get 3,500 points on approval and earn 3,500 bonus points when you spend $500 in your first 3 months.
BMO eclipse rise Visa Card
25,000
Up to 5 points per $2 spent
20.99%
$0
Min. recommended credit score: 660
Earn up to 25,000 bonus points.
BMO Preferred Rate Mastercard
0.99% rate on balance transfers for 9 months
N/A
13.99%
$0 annual fee for the first year ($29 thereafter)
Min. recommended credit score: 660
Get a rate of 0.99% on balance transfers for 9 months with a 2% transfer fee. Plus, get the $29 annual fee waived in the first year.
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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

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