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There are many benefits to traveling as a couple. The most priceless perk is that you have a travel companion to build memories with. The best credit cards for couples make it easier to maximize travel perks that can help you both travel more often and enhance your travel experiences.

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

Chase Sapphire Preferred Card

The Chase Sapphire Preferred® Card is one of the best travel credit cards, period. You earn some of the most valuable credit card points and have flexible travel redemption options.

Enjoy Chase Sapphire benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x points on travel purchased through Chase Ultimate Rewards®, 3x points on dining, and 2x points on all other travel purchases, plus more.

Your points are worth 25% more (1.25 cents each) when redeemed for award travel on the Chase travel portal. You can also transfer your points at a 1:1 ratio to airline and hotel partners including Southwest Airlines, United Airlines, Emirates, and World of Hyatt.

It has a reasonable $95 annual fee for the primary user. Each additional card is free. Because of the Chase 5/24 rule, your better half can be an authorized user if they have added at least 5 new cards to their wallet in the past 24 months.

New Chase Sapphire Preferred® Card cardholders can earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. That’s $750 when redeemed through Chase Ultimate Rewards®.

Chase Sapphire Reserve

If you like the Chase Sapphire Preferred but want a bit more in regards to travel perks, consider the Chase Sapphire Reserve®. It comes with a $300 annual travel credit, a fee credit for Global Entry or TSA PreCheck, and Priority Pass airport lounge access. Like the Sapphire Preferred, you’ll be able to use the 1:1 hotel and airline transfer partners. However, your points are worth 50% more when you redeem them for travel in the Chase rewards portal.

Related: Chase Sapphire Reserve vs Chase Sapphire Preferred

The Platinum Card From American Express

For premium travel benefits consider The Platinum Card® from American Express.

Travel perks include:

  • Complimentary airport lounge access (enrollment required)
  • Global Entry or TSA PreCheck application fee credit
  • Instant Hilton Honors Gold and Marriott Bonvoy Gold Elite status (enrollment required)
  • 1:1 airline point transfers
  • Terms apply

Cardholders earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel, up to $500,000 on these purchases per calendar year, and earn 5x Membership Rewards® points on prepaid hotels booked with American Express Travel.

Cardholders can get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when paying with their Platinum Card®.

Also, get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.

Plus, American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.

Terms apply. Enrollment may be required.

Other Benefits

There’s also a digital entertainment credit. Cardholders can get up to $20 in statement credits each month when they pay for eligible purchases with The Platinum Card® from American Express at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.

In addition to enjoying TSA PreCheck or Global Entry access, cardholders can also enjoy CLEAR perks. Cardholders can use their Card and get up to $189 back per year on their CLEAR® membership. Terms apply.

Another exciting benefit is the ability for cardholders to enjoy up to $25 back each month on select Equinox memberships when they pay with their Platinum Card®. This amounts to up to $300 annually. Enrollment required. 

There is also a $155 Walmart+ credit to enjoy. This covers the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.

Get the full details and learn more in our in-depth The Platinum Card from American Express review.

The annual fee is $695 (See Rates & Fees) but can be offset with the perks, which are valued at over $1,400.

Welcome Bonus Offer

New The Platinum Card® from American Express cardmembers can earn 80,000 Membership Rewards® points after spending $6,000 on purchases on their new Card in the first 6 months of Card Membership. Plus, they can apply and select their preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.

Learn more: Johnny Jet Recommended Credit Cards

Delta SkyMiles Reserve American Express Card

The Delta SkyMiles® Reserve American Express Card is one of the few airline credit cards offering a companion certificate. Upon each card renewal, cardholders receive a Domestic Main Cabin round-trip companion certificate. You will need to pay up to $75 in fees and taxes (for itineraries with up to four flight segments), but think of the savings instead of having to pay for another ticket! Baggage charges and other restrictions apply. See terms and conditions for details.

This is one of the best Delta credit cards.

Other benefits include:

  • Delta Sky Club access when flying Delta
  • First checked bag is free on Delta flights for you and up to 8 travel companions
  • Main Cabin 1 priority boarding
  • 20% in-flight purchase savings
  • Terms apply

There is also a fee credit for TSA PreCheck or Global Entry.

Additionally, cardholders can receive a Domestic First Class, Delta Comfort+® or Main Cabin round-trip companion certificate each year upon renewal of their Card. *Payment of the government-imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.

Cardholders can also enter Delta Sky Club® at no cost and bring up to two guests for an exclusive rate of $39 per person per visit when you fly Delta.

Plus, enjoy complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner when you book your Delta flight with your Reserve Card.

Receive upgrade priority over other Medallion Members within the same Medallion level and fare class.

Welcome Bonus

New Delta SkyMiles® Reserve American Express Card cardholders can earn 50,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after spending $5,000 in purchases on their new Card in their first 6 months.

Plus, earn up to 60,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. You can earn 15,000 MQMs after you spend $30,000 in purchases on your Card in a calendar year, up to four times per year getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.

The annual fee for the primary card member is $550, but there are no foreign transaction fees (See Rates & Fees). Each additional Delta Reserve card costs $175, but additional Delta Platinum cards are $0.

Terms apply.

Learn more: Airline Credit Cards

Southwest Rapid Rewards Priority Credit Card

Of the Southwest credit cards, the Southwest Rapid Rewards® Priority Credit Card can be the most lavish option.

Cardholders earn unlimited:

  • 3x points on Southwest® purchases
  • 2x points on local transit and commuting, including rideshares
  • 2x points on internet, cable, phone services, and select streaming purchases

Perhaps the #1 reason to consider applying as a couple is for getting the Southwest Companion Pass® which is one of the best deals for traveling couples. Your companion’s ticket is only the cost of fees and taxes (normally $5.60 each way) when you buy your ticket with cash or points. However, for the standard pass, you need 100 qualifying one-way flights or earn 125,000 Rapid Rewards points in a calendar year to earn the pass.

With the Southwest Rapid Rewards® Priority Credit Card, earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months.

These additional Southwest travel benefits can enhance your travel experience:

  • Annual $75 Southwest travel credit
  • 4 Upgraded Bookings per year (when available)
  • 7,500 anniversary points each card renewal
  • 25% back on inflight purchases

Although you can try separately to earn two bonuses, combining your spending power can be more productive.

Related: Best Southwest Credit Cards

The World of Hyatt Credit Card

The World of Hyatt Credit Card lets you capitalize on one of the best hotel loyalty programs. For starters, you receive one free night at any Category 1-4 Hyatt hotel or resort after your cardmember anniversary. You can also earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 during your cardmember anniversary year.

Additionally, you’ll get automatic World of Hyatt Elite status and 5 qualifying night credits every year as long as your account is open. Plus, you can earn two qualifying night credits towards tier status every time you spend $5,000 on your card. This is one of the best hotel credit cards available.

A fun getaway can be a weekend getaway at the MGM Grand or New York-New York in Las Vegas, for instance.

You also get automatic Discoverist loyalty status with benefits including waived resort fees on award nights, premium on-property internet, free water bottles, and space-available room upgrades.

Your purchases earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member. You can start redeeming your points for award nights at 5,000 points per night.

You also have the opportunity to earn up to 60,000 bonus points as a signup bonus with The World of Hyatt Credit Card. Earn 30,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Plus, earn 2 Bonus Points per $1 spent on purchases that earn 1 Bonus Point, up to $15,000, in the first 6 months of account opening.

Capital One Venture Rewards Credit Card

The best credit card for couples craving simplicity is the Capital One Venture Rewards Credit Card. All purchases earn 2x miles per $1. However, if you are wanting to earn a few more miles on travel, good news—earn 5x miles on hotels and rental cars booked through Capital One Travel. Plus, Venture cardholders will earn 5x miles when booking through the Turo app or on Turo.com (through May 16, 2023). 

You can redeem your miles for travel statement credits, book upcoming travel, or transfer to leading travel loyalty programs. The primary cardmember can get a fee credit of up to $100 for Global Entry or TSA PreCheck.

The annual fee is $95.

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel, with the Capital One Venture Rewards Credit Card.

Summary of the Best Credit Cards for Couples

The best credit cards for couples run the gambit by making it easy to earn bonus points, complimentary travel benefits when your companion travels with you, and annual companion certificates to book a free flight.

FAQs

What is the best credit card for couples?

The best credit card for couples will usually be a travel rewards card. You see, credit card points are usually most valuable when redeeming for travel instead of cash or gift card rewards.

As there are plenty of top-notch travel credit cards, the best option can depend on your travel habits. Below are some of the first ones to consider:

  • The Platinum Card® from American Express: $200 airline fee credit and airport lounge access (enrollment required)
  • Chase Sapphire Reserve®: $300 annual travel credit
  • Delta SkyMiles® Reserve American Express Card: Receive a Domestic First Class, Delta Comfort+®, or Main Cabin round-trip companion certificate each year upon renewal of their Card. *Payment of the government-imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
  • Southwest Rapid Rewards® Priority Credit Card: 4 Upgraded Bookings per year (when available) and $75 annual Southwest credit
  • Capital One Venture Rewards Credit Card: Purchases earn at least 2 miles per $1 that can be redeemed for travel statement credits, book upcoming travel, and transfer to travel programs

Can a couple get a credit card together?

The best credit cards no longer offer joint accounts like a bank savings account. Most banks base their decision on the person applying to be the primary cardmember. Additional users don’t undergo a credit check to become an authorized user.

Two banks that may still offer joint credit cards are US Bank and PNC Bank. However, you may need to be an active bank customer to qualify for one of their cards.

The standard procedure for couples to be on the same credit card account is that one person is a primary cardmember and the other person is an authorized user.

One person will need to be the primary cardmember. The other person will need to be added as an authorized user. Being an authorized user means they may not have access to all the additional card benefits like Global Entry or TSA PreCheck application fee credits or airport lounge access. Your partner may also have to accompany you to use certain card benefits.

The good news is that the authorized user can cancel their card and apply for their own primary account. If approved, they will likely qualify for the signup bonus which can be well worth the hard credit inquiry.

Is an authorized user the same as a joint account?

No, authorized users for a credit card are not the same thing as a joint account. A joint credit card account means both people are “primary” users and the payment activity –good and bad– affects their credit score. It also means both people will need to have a hard credit pull.

As an authorized user, only the primary cardmember has a hard credit pull. Being named an authorized user means you avoid the hard credit check but the account will likely show on your credit report. Most banks will report positive credit activity which can improve the additional user’s credit report. If negative activity occurs, that will only impact the primary cardmember but the bank won’t report the info for the authorized user.

Related Articles:

For rates and fees of The Platinum Card® from American Express, please click here.

For rates and fees of The Delta SkyMiles® Reserve American Express Card, please click here.

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Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.

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