Best Credit Cards For Couples Of May 2024

The Capital One Venture X Rewards Credit Card (rates & fees) has a perfect score thanks to its strong rewards program and awesome included benefits. It’s even better for couples since you can add an authorized user for no additional cost.

Rewards: Earn 2 miles per dollar on all eligible purchases, 5 miles per dollar on flights booked through Capital One Travel, 5 miles per dollar on Capital One Entertainment purchases through 12/31/25 and 10 miles per dollar on hotels and rental cars when booking via Capital One Travel.

Welcome offer: Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening.

Annual fee: $395

Other benefits and drawbacks: Two Capital One miles on all purchases adds up quickly, especially when you and a partner share a single account. Cardholders also receive a Priority Pass airport lounge membership (including entry for up to two guests traveling with you). Though there’s a relatively high annual fee, it’s largely offset by an annual $300 credit toward Capital One travel reservations. Plus you’ll receive an anniversary bonus of 10,000 miles when renewing the card.

When it comes to travel, it’s hard to beat the Chase Sapphire Reserve®. You’ll earn uber-flexible Ultimate Rewards® and enjoy travel benefits built for two.

Rewards: Earn 5 points per dollar on flights and 10 points per dollar on hotels and car rentals when purchasing travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3 points per dollar on other travel and dining and 1 point per dollar spent on all other purchases.

Welcome offer: Earn 75,000 bonus points after spending $4,000 on purchases in the first three months from account opening.

Annual fee: $550

Other benefits and drawbacks: The Sapphire Reserve is the last man standing when it comes to providing a Priority Pass membership that includes entry to non-lounge airport experiences such as restaurant credits, spa treatments and other indulgences. The card also includes select travel insurance, an easy-to-use annual travel credit, credits toward trusted traveler application fees and a 50% bonus when redeeming points toward travel booked through Chase Travel℠.

The Chase Freedom Flex℠ has some of the highest rewards rates available, especially on its quarterly rotating bonus categories. Plus you may be able to combine Chase Ultimate Rewards® points with your partner if you both have cards.

Rewards: Earn 5% cash back on up to $1,500 in combined purchases in categories that rotate quarterly (requires activation), 5% cash back on travel purchased through Chase Travel℠, 3% cash back on dining and drugstores and 1% cash back on all other purchases.

Welcome offer: Earn $200 bonus after spending $500 on purchases in the first 3 months from account opening.

Annual fee: $0

Other benefits and drawbacks: This no-annual-fee card checks all the right boxes. Earn great rewards, have access to great redemptions (including cash back and travel) and take advantage of an introductory APR: 0% intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24% applies. Balance transfer fee of up to 5% (min. $5) of the amount of each transfer applies. The quarterly rotating bonus categories are capped, but if you and a partner have individual accounts, you can each max them out separately.

Let’s face it: Most couples spend a lot of time (and money) eating together. With the American Express® Gold Card (terms apply, see rates & fees), you can collect big rewards on restaurants, takeout and delivery and groceries for when you stay in.

Rewards: Earn 4 Membership Rewards® points per dollar at restaurants, plus takeout and delivery in the U.S., 4 Membership Rewards® points per dollar at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1 point per dollar), 3 Membership Rewards® points per dollar on flights booked directly with airlines or through American Express travel and 1 point per dollar on other eligible purchases.

Welcome offer: Earn 60,000 Membership Rewards points after spending $6,000 on purchases in the first 6 months of card membership.

Annual Fee: $250

Other benefits and drawbacks: On top of the reward rates, this card also comes with monthly statement credits toward select dining partners and Uber Cash which can be redeemed toward restaurant delivery or rides to get you to and from date night. Both require enrollment. All rewards are earned as Membership Rewards which are most valuable when transferred to travel partners—giving you an excuse to plan that future trip together.

When flat-rate cash back sounds the most appealing, check out the Wells Fargo Active Cash® Card. Rewards are easy to earn and redeem, plus a welcome bonus gets you started.

Rewards: Earn 2% cash rewards on purchases.

Welcome offer: Earn $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

Annual fee: $0

Other benefits and drawbacks: This card gets the basics right, with no annual fee. Then it piles on other benefits including cellphone insurance when you pay your monthly bill with your card. An introductory APR caps things off: pay 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 20.24%, 25.24%, or 29.99% variable APR applies. Balance transfers made within 120 days qualify for the intro rate and fee of 3% then a fee of up to 5%, with a minimum of $5 applies.

Choose rewards where they make most sense for you with the Citi Custom Cash® Card. You’ll automatically earn 5% cash back in the eligible category you spend the most on.

Rewards: Earn 5% cash back on purchases in a top eligible spend category up to the first $500 spent each billing cycle, 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025 and 1% cash back on all other purchases.

Welcome offer: Earn $200 in cash back after spending $1,500 on purchases in the first 6 months of account opening. The bonus points come in the form of 20,000 ThankYou® Points that can be redeemed for $200 cash back.

Annual fee: $0

Other benefits and drawbacks: This card is a great option for couples who split expenses. By spending strategically across two separate cards you could each earn the highest rewards rate in two different categories such as home improvement or gas purchases. And if one of you holds a premium Citi ThankYou points card, you could pool points and have access to more redemption options beyond cash back.

Mix up date night plans with the Capital One SavorOne Cash Rewards Credit Card (rates & fees), which earns elevated rewards whether you choose dinner out, entertainment tickets or staying home to Netflix and chill.

Rewards: Earn 3% cash back on dining, entertainment, popular streaming services and grocery stores (excluding superstores like Walmart® and Target®), 5% cash back on hotels and rental cars booked through Capital One Travel, 8% cash back on Capital One Entertainment purchases, and 1% on all other purchases.

Welcome offer: Earn $200 cash bonus after spending $500 on purchases within the first 3 months from account opening.

Annual fee: $0

Other benefits and drawbacks: This card is all about the rewards and a little lighter on the other features, which is par for the course on a no-annual-fee credit card. However, travelers will appreciate that there are no foreign transaction fees. It also has an introductory APR offer which could be helpful if you and your partner have a big future purchase on the mind. You’ll accrue 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; 3% balance transfer fee for the first 15 months, 4% at a promotional APR that Capital One may offer you.

Whether you’re living together or not, you can earn points on your rent payments with the Bilt World Elite Mastercard® (rates & fees). That could add up to a serious chunk of points over the course of a year.

Rewards: Earn 1 point per dollar on rent payments without the transaction fee (on up to 100,000 points each calendar year), 3 points per dollar on dining, 2 points per dollar on travel (when booked through the Bilt Travel Portal or directly with an airline, hotel, car rental or cruise company), and 1 point per dollar on other purchases.

Welcome offer: Earn This card does not offer a welcome bonus.

Annual fee: $0

Other benefits and drawbacks: In addition to a great rewards program, the Bilt card includes select travel insurance on eligible trips, cellphone protection and credits to Lyft and DoorDash. The one thing that’s missing? A welcome bonus—something that’s pretty common on competing cards. You’ll want to weigh that against the unique prospect of earning rewards on rent.