Travel, Daily use
Apply now
On Capital One‘s site

Best Credit Cards for Young Couples 2022

So, you’ve decided to join finances with your partner or spouse and are now wondering what’s the best strategy regarding credit cards. Well, the possibilities are endless. Some lucrative rewards can double, the best sign-up bonuses will be easily reachable, joined travel miles can get you to the most romantic trips, and many other great benefits. If sharing one account is too much for you, you can get two separate credit cards and manage them in a way to get the most of both. Keep on reading to find out which credit cards we recommend for couples and the features they provide.

By Hanna Volkava
Updated November 29, 2022

Best Credit Cards for Young couples in November 2022

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Capital One Venture Rewards Credit Card best for Travel, Daily use

Venture Rewards Capital One
Annual fee:
$95 annually
Regular APR:
18.99% - 26.99% Variable
Our Rating:
3.52
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5x Miles per dollar on hotels and rental cars booked through Capital One Travel.
    • 2x Miles on all purchases.
  • Intro Offer:
    • 75,000x Bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.
  • Balance Transfer APR:
    18.99% - 26.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One Venture Rewards Credit Card offers rewards of 2 miles for every $1 spent on all purchases, plus 5 miles per dollar on hotels and rental cars booked through Capital One Travel.

    Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.

    The Capital One Venture Rewards Credit Card's APR: 18.99% - 26.99% (Variable). The card has an annual fee of $95. The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

    As a travel card, your primary redemption options are to book travel through the Capital One rewards portal, receive a statement credit for recent eligible travel purchases (within the last 90 days) or transfer miles to partner airline and hotel programs.

  • Pros:
    • No Foreign Transaction Fee
    • High rewards rate
    • Flexible rewards redemption
    • Sign-up bonus
  • Cons:
    • Annual Fee
    • No intro APR offer
    • Miles transfer to airline partners is less than 1:1
  • Benefits:
    • 75,000 bonus miles (when you spend $4,000 on purchases in the first 3 months from account opening);
    • 5x miles on hotels and car rentals;
    • 2x miles on all purchases;
    • $0 Fraud Liability;
    • 24/7 Customer Service;
    • The Eno assistant;
    • 24-Hour Travel Assistance Services;
    • Global Entry or TSA Precheck Credit;
    • Auto Rental Collision Damage Waiver;
    • Travel Accident Insurance;
    • Transfer Your Miles;
    • Capital One Shopping;
    • Shop With Your Rewards;
    • Premier Culinary Experiences;
    • Big-time Sports Events;
    • Must-See Music Events.
View all Venture Rewards details
Apply now
On Capital One‘s site
Card detail

Journey Student Rewards from Capital One best for Without SSN

Capital One Journey Student
Annual fee:
$0
Regular APR:
28.49% Variable
Our Rating:
3.79
scorer
Credit score
Fair (580-669)
  • Rewards Rate:
    • 1% Cash Back on all your purchases. Pay on time to boost your Cash Back to a total of 1.25% for that month.
  • Balance Transfer APR:
    28.49% Variable
  • Issuer name:
    Capital One
  • Details:

    Build credit history with Journey Student Credit Card. Earn 1% Cash Back on all your purchases. Pay on time to boost your Cash Back to a total of 1.25% for that month.

    The Journey Student Card has no annual fee or foreign transaction fees. The Card's APR: 28.49% Variable.

  • Pros:
    • Rewards program with bonus points
    • No annual fee
    • Automatic credit limit increase reviews
    • No foreign transaction fees
    • Reports to three major credit bureaus
  • Cons:
    • High APR
    • No bonus categories
  • Benefits:
    • 1% Cash Back on every purchase;
    • 1.25% extra Cash Back;
    • No Foreign Transaction Fees;
    • ATM Location Services;
    • Emergency Card Replacement;
    • Travel rewards cards;
    • Fraud Coverage.
View all Journey Student Credit Card details
Apply now
On Capital One‘s site
Card detail

Upgrade Cash Rewards Visa® best for Good credit score

Upgrade Cash Rewards Visa®
Annual fee:
$0
Regular APR:
14.99% - 29.99% Regular
Our Rating:
4.35
scorer
Credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 1.5% Cash Back on payments.
  • Intro Offer:
    • $200 Bonus when you open a Rewards Checking account and make 3 debit card transactions. *
  • Details:

    The Upgrade Cash Rewards Visa® offers 1.5% Cash Back on payments.

    Earn a $200 welcome bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening).

    The card's APR: 14.99% - 29.99% (Regular APR).

    Read full review

  • Pros:
    • No Foreign Transaction Fee
    • No Annual fee
    • No extra fees
  • Cons:
    • No Intro APR reriod
  • Benefits:
    • $200 bonus;
    • 1.5% Cash Back;
    • Сontactless card technology.

    *To qualify for the $200 welcome bonus, you must open and fund a new Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1 - 2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.

View all Upgrade Cash Rewards Visa® details
Apply now
On Upgrade‘s website
Card detail

The Bank of Missouri FIT® Platinum Mastercard® best for Unsecured

FIT® Platinum Mastercard® The Bank of Missouri
Annual fee:
$99 annually
Regular APR:
29.99% Variable
Our Rating:
3.9
scorer
Credit score
No Credit History to Poor (0-579)
    • Issuer name:
      The Bank of Missouri
    • Details:

      The FIT® Platinum Mastercard® Credit Card helps to rebuild or build your credit.

      The FIT® Platinum Mastercard® Credit Card's annual fee is $99 annually. The Monthly Maintenance Fee is $75 annually. The Processing Fee is $89 (one-time fee).

      The FIT® Platinum Mastercard® Credit Card with an initial credit limit of $400. Use your FIT card at locations everywhere Mastercard is accepted.

      Continental Finance will report your payments to the three major credit bureaus - TransUnion, Experian, Equifax.

      Read full review

    • Pros:
      • Credit may increase with time
      • Low eligibility requirements
      • Reasonable credit limit
      • No Security deposit
      • Credit Score Access
    • Cons:
      • High extra fees
      • High APR
      • Foreign Transaction Fee
      • No reward program
      • No Sign up Bonus
    • Benefits:
      • $0 Fraud Liability;
      • Initial Credit Limit of $400;
      • Potential Credit Limit Increase After Just 6 Months;
      • Free Monthly Credit Score;
      • Reports to All Three Major Credit Bureaus.
    View all FIT® Platinum Mastercard® details
    Apply now
    On The Bank of Missouri‘s site
    Card detail
    The Mission Lane Visa® Mission Lane LLC
    Annual fee:
    $0 - $59
    Regular APR:
    26.99% - 29.99% Variable
    Our Rating:
    3.05
    scorer
    Credit score
    No Credit History to Fair (0-669)
      • Issuer name:
        Transportation Alliance Bank
      • Details:

        The Mission Lane Visa® Credit Card helps to rebuild or build your credit. The card's APR for purchases: 26.99% to 29.99% (Variable). This card reports to the three major credit bureaus and offers educational resources on spending, saving, and best credit practices.

        The annual fee for this card is $0 – $59.

        Read full review

      • Pros:
        • Higher credit lines
        • Reports to the three major credit bureaus
        • Instant credit decision
      • Cons:
        • High variable purchase APR
        • Annual fees up to $59
        • No rewards
        • Foreign transaction fee
        • Not available to everyone
      • Benefits:
        • Clear pricing & no hidden fees;
        • Higher credit lines over time;
        • The tools to help build your credit;
        • Credit-building education;
        • Instant credit decision;
        • All the coverage of Visa®.
      View all The Mission Lane Visa® details
      Apply now
      On Transportation Alliance Bank‘s site
      Card detail
      Upgrade Triple Cash Rewards Visa® Upgrade
      Annual fee:
      $0
      Regular APR:
      14.99% - 29.99% Regular
      Our Rating:
      3.53
      scorer
      Credit score
      Fair to Excellent (580-799)
      • Rewards Rate:
        • 3% Cash Back on Home, Auto and Health categories.
        • 1% Cash Back on everything else.
      • Intro Offer:
        • $200 Bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening). *
      • Details:

        The Upgrade Triple Cash Rewards Visa® Credit Card offers 3% Cash Back on home, auto and health purchase and 1% Cash Back on everything else.

        Earn a $200 welcome bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening).

        The card's APR: 14.99% - 29.99% (Regular APR).

        Apply online and get a credit line from $500 to $25,000 with your Card.

        Read full review

      • Pros:
        • Every Purchase Earns You Cash Back
        • Increased Cash Back for Three Categories
        • Forget About Fees
        • No Limits Abroad
      • Cons:
        • You Can’t Withdraw Cash
        • Cash Back Doesn’t Satisfy Your Monthly Payments
      • Benefits:
        • $200 bonus;
        • 3% Cash Back on home, auto and health purchase;
        • 1% Cash Back on everything else;
        • Сontactless card technology.

        *To qualify for the $200 welcome bonus, you must open and fund a new Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1 - 2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.

      View all Upgrade Triple Cash Rewards Visa® details
      Apply now
      On Upgrade‘s website
      Card detail

      Celtic Bank Surge® Platinum Mastercard® best for Walmart purchases

      Celtic Bank Surge® Platinum Mastercard®
      Annual fee:
      $75 - $99 annually
      $99 annually
      Regular APR:
      24.99% - 29.99% Variable
      Our Rating:
      3.2
      scorer
      Credit score
      No Credit History to Poor (0-579)
        • Issuer name:
          Celtic Bank
        • Details:

          The Surge® Platinum Mastercard® credit card's APR range from 24.99% to 29.99%, based on creditworthiness.

          The Surge® Platinum Mastercard® has an annual fee of $75 to $99 (after that $99 annually).

          Monthly Maintenance Fee: $0 - $120 annually (billed at $0 - $10.00 per month).

          There’s also an additional one-time card fee of $30, if applicable. The card has a cash advance fee of 5 percent of the cash advance amount or $5, whichever is greater.

          This unsecured credit card can be used as an effective tool to build credit as the issuer reports your monthly payments to the three major credit bureaus — TransUnion, Experian, Equifax.

          Read full review

        • Pros:
          • Monthly Credit Reporting
          • Free Monthly Credit Score
          • Potential Credit Limit Increase After 6 Months
          • Prequalification Without a Hard Check
        • Cons:
          • High Annual Fee
          • Relatively Low Credit Limit
          • Foreign Transaction Fee
          • Monthly Maintenance Fee After the 1st year
          • High APR
        • Benefits:
          • $0 Fraud Liability;
          • Monthly reporting to the three major credit bureaus;
          • Possible credit limit increase after just six months;
          • Free Monthly Credit Score.
        View all Surge® Platinum Mastercard® details
        Apply now
        On Celtic Bank‘s site
        Card detail
        Revvi MRV Banks
        Annual fee:
        $75 for the first year
        $48 after *
        Regular APR:
        34.99% *
        Our Rating:
        4.1
        scorer
        Credit score
        Rebuilding Credit to Fair (0-669)
        • Rewards Rate:
          • 1% Cash Back on payments made to your Revvi Credit Card. ^^
        • Issuer name:
          MRV Banks
        • Details:

          The Revvi Card is designed for people with poor credit or no credit.

          The Revvi Card comes with a 1% Cash Back on payments.

          The card has an annual fee of $75 (for the first year), $48 (for the second year). The regular purchase APR is 34.99%.

          Read full review

        • Pros:
          • Cash Back
        • Cons:
          • Annual Fee
          • Extra Fees
        • Benefits:
          • 1% Cash Back Rewards;
          • Reports monthly to all three major credit bureaus;
          • Fast and easy application.
        View all Revvi details
        Apply now
        On the Revvi secure website
        Card detail
        Merit Platinum
        Annual fee:
        See website for details*
        Regular APR:
        None
        Our Rating:
        3.8
        scorer
        Credit score
        No Credit History to Poor (0-579)
          • Details:

            The Merit Platinum Card is an online shopping card for people with bad credit or no credit.

            The card provides you with a merchandise credit line of $750*.

            Read full review

          • Pros:
            • Fast and Easy Application
          • Cons:
            • Valid at the Horizon Outlet store
          • Benefits:
            • $750 Merchandise Credit Line*;
            • No Employment or Credit Check.
          View all Merit Platinum details
          Apply now
          On Meritplatinum‘s website
          Card detail
          Double Your Line® Mastercard® Merrick Bank
          Annual fee:
          $0 - $72 annually
          Regular APR:
          22.45% - 30.70% *Variable
          Our Rating:
          4.1
          scorer
          Credit score
          No Credit History to Excellent (0-799)
            • Issuer name:
              Merrick Bank
            • Details:

              The Merrick Bank Double Your Line® Mastercard® is good for people looking to build or rebuild credit.

              Double your credit line by making at least your minimum payment on time each month for the first 7 months your account is open.

              The APR for purchases is 22.45% - 30.70% (Variable). The card's annual fee: $0 - $72 annually.

              Credit lines range from $550 - $1,350 which double to $1,100 - $2,700 after your account qualifies. No security deposit required.

              Read full review

            • Pros:
              • Double your credit line
              • $0 fraud liability
              • No security deposit is required
              • A free FICO score each month
              • A poor credit score is enough to apply
            • Cons:
              • High variable APR
              • No rewards
              • No balance transfer option
              • Cash advance fee
            • Benefits:
              • $0 Fraud Liability;
              • Double Your Line®;
              • Exclusive Platinum Mastercard® Benefits.
            View all Double Your Line® Mastercard® details
            Apply now
            On Merrick Bank‘s site
            Card detail

            WebBank Petal® 2 “Cash Back, No Fees” Visa® best for Beginner, No history

            Petal® 2 “Cash Back, No Fees” Visa® WebBank
            Annual fee:
            $0
            Regular APR:
            15.99% - 29.99% Variable
            Our Rating:
            3.8
            scorer
            Credit score
            No Credit History to Excellent (0-799)
            • Rewards Rate:
              • 1% - 1.5%:
              • Cash Back after making 12 on-time monthly payments.
              • 2% - 10%:
              • Cash Back from select merchants.
            • Issuer name:
              WebBank
            • Details:

              The Petal 2 Card has no fees of any kind and is designed to help you build credit.

              The credit limit is from $500 - $10,000.

              Grow your credit score with responsible spending and on-time payments.

              Get 1% cash back right away. Earn up to 1.5% when you pay on time. Plus 2% - 10% bonus cash back at select merchants.

              Freeze your card at any time to protect your account. And rest easy knowing your data is safe and encrypted.

              Read full review

            • Pros:
              • No annual fee
              • No returned payment fee
              • No foreign transaction fee
              • You can apply even if you have no credit history
              • No late fees
            • Cons:
              • No signup bonus
              • Cash advances are not permitted
              • Those who filed for bankruptcy may be rejected
              • Balance transfers are not allowed
              • No intro APR offer
            • Benefits:
              • No foreign transaction fee;
              • Petal 2 reports to all 3 major credit bureaus;
              • Qualify with average credit.
            View all Petal® 2 “Cash Back, No Fees” Visa® details
            Apply now
            On WebBank‘s site
            Card detail
            First Access Visa® The Bank of Missouri
            Annual fee:
            $75 annual fee for first year
            $48 annually
            Regular APR:
            34.99%
            Our Rating:
            4.2
            scorer
            Credit score
            No Credit History to Fair (0-669)
              • Issuer name:
                The Bank of Missouri
              • Details:

                The First Access Card is a true VISA® credit card that does not require perfect credit for approval.

                The First Access Visa Card's APR: 34.99%.

                The First Access Visa Credit Card is not a secured credit card, meaning applicants don’t have to have the amount of their credit limit as a deposit.

                Read full review

              • Pros:
                • Available to those with bad credit
                • Reports to three major credit bureaus
                • Easy application
                • No security deposit
              • Cons:
                • High APR
                • Several fees
                • Low credit limit
                • No rewards
              • Benefits:
                • First Access Visa credit card accepted nationwide;
                • Rebuild your credit;
                • Easy and Secure Online Application.
              View all First Access Visa® details
              Apply now
              On the First Access Visa® Card secure website
              Card detail

              Celtic Bank Reflex® Platinum Mastercard® best for Unsecured

              Reflex® Platinum Mastercard®​ Celtic Bank
              Annual fee:
              $75 - $99 for the first year
              $99 after the first year
              Regular APR:
              24.99% - 29.99% Variable
              Our Rating:
              3.8
              scorer
              Credit score
              No Credit History to Good (0-739)
                • Issuer name:
                  Celtic Bank
                • Details:

                  The Reflex® Platinum Mastercard® can be used as an effective tool to build credit. The card has an APR of 24.99% - 29.99% (Variable).

                  With $0 Fraud Liability you will not be held responsible for unauthorized charges on your Reflex credit card. With zero fraud liability you are only responsible for purchases that you make, so you can shop with confidence and know that your card activity is fully protected.

                  Monthly Maintenance Fee: $0 - $120.00 annually (billed at $0 - $10.00 per month). Monthly Maintenance Fee not billed for the first 12 months your account is opened. Additional Card Fee is $30.00 (one time, if applicable).

                  Read full review

                • Pros:
                  • Chance to get a higher credit limit
                  • All credit scores are welcome to apply
                  • Reports to three bureaus
                  • Check if you prequalify without affecting your credit score
                  • No deposit required
                • Cons:
                  • No rewards
                  • High Regular APR
                  • High annual fee
                  • Monthly maintenance fee
                  • Additional card fee
                  • Foreign transaction fee
                • Benefits:
                  • $0 Fraud Liability;
                  • Potential Credit Limit Increase After Just 6 Months;
                  • Free Monthly Credit Score;
                  • Monthly Reporting to All Three Major Credit Bureaus;
                  • Credit Protection program.
                View all Reflex® Platinum Mastercard® details
                Apply now
                On Celtic Bank‘s site
                Card detail

                Celtic Bank Indigo® Mastercard® best for Unsecured

                Indigo® Mastercard® Celtic Bank
                Annual fee:
                $0 - $99 annually
                Regular APR:
                24.9%
                Our Rating:
                3.7
                scorer
                Credit score
                No Credit History to Fair (0-669)
                  • Issuer name:
                    Celtic Bank
                  • Details:

                    The Indigo® Mastercard® credit card provides a good option for those who have bad credit or no credit history.

                    The Indigo® Mastercard® reports to all three major credit bureaus: TransUnion, Equifax and Experian.

                    The Indigo® Mastercard® has a high APR of 24.9%.

                    During the first year, you can experience a 0% fee on cash advances. After this grace period expires, you will be charged $5 or 5% of each transaction amount.

                    When it comes to foreign transaction fees, you will incur a 1% fee for every transaction, no matter the currency used in the purchase.

                    Unfortunately, the Indigo credit card does not have any sign-up bonus or welcome offer. It also does not offer any rewards or cash back programs.

                    Read full review

                  • Pros:
                    • No security deposit
                    • Quick and easy to apply
                    • Pre-qualification
                    • Fraud protection
                    • Has Mastercard ID Theft Protection
                  • Cons:
                    • Low credit limit
                    • No rewards or one-time offers
                    • Foreign transaction fee
                  • Benefits:
                    • A low foreign transaction fee of 1 percent;
                    • Choice of Card Image;
                    • Fraud Protection;
                    • 24/7 Account Access;
                    • Extended warranty coverage.
                  View all Indigo® Mastercard® details
                  Apply now
                  On Celtic Bank‘s site
                  Card detail
                  Total Visa® The Bank of Missouri
                  Annual fee:
                  $164 for first year (including one-time program fee of $89)
                  $48 annually *
                  Regular APR:
                  34.99% *
                  Our Rating:
                  3.32
                  scorer
                  Credit score
                  Rebuilding Credit to Fair (0-669)
                    • Issuer name:
                      The Bank of Missouri
                    • Details:

                      The Total Visa® сard is a credit card for people with bad credit score or limited credit. It does not require a credit check to apply. But the card doesn’t offer rewards.

                      The Total Visa® сard's Regular APR is 34.99%. There is a one-time $89 program fee.

                      The Total Visa® сard allows you to choose your own card design.

                      Read full review

                    • Pros:
                      • Low Requirements
                    • Cons:
                      • Annual Fee
                      • High Regular APR
                      • No Intro APR period
                      • Extra Fees
                    • Benefits:
                      • $0 fraud liability;
                      • Reports monthly to all three major credit bureaus;
                      • Manageable monthly payments;
                      • Select your favorite card design for free.
                    View all Total Visa® Unsecured details
                    Apply now
                    On the Total Visa® Card secure website
                    Card detail

                    The Bank of Missouri Milestone Mastercard® best for Unsecured

                    Milestone Mastercard® The Bank of Missouri
                    Annual fee:
                    $35 - $99 Dependent on credit worthiness
                    Regular APR:
                    24.9%
                    Our Rating:
                    3.5
                    scorer
                    Credit score
                    No Credit History to Fair (0-669)
                      • Issuer name:
                        The Bank of Missouri
                      • Details:

                        The Milestone Mastercard® is a credit card for people with bad credit.

                        The Milestone Mastercard® card's APR: 24.90% (Regular). Plus, the card has a cash advance APR of 29.90% and a penalty APR of 29.90%.

                        The credit limit for a Milestone Mastercard® is $300.

                        Read full review

                      • Pros:
                        • Low application requirements
                        • No security deposit
                        • Low foreign transaction fee
                        • Reports to three major credit bureaus
                      • Cons:
                        • Annual fee
                        • Additional fees and high APR
                        • Low credit limit
                        • No rewards system
                      • Benefits:
                        • Fraud Protection;
                        • Credit Bureau Reporting;
                        • Extended warranty coverage;
                        • Mastercard Global Service;
                        • Easy Pre-Qualification;
                        • Full Mastercard Perks;
                        • 24/7 Account Management.
                      View all Milestone Mastercard® details
                      Apply now
                      On The Bank of Missouri‘s site
                      Card detail

                      Applied Bank® Secured Visa® Gold Preferred® Credit Card best for 18 year old

                      Gold Preferred® Secured Visa® Applied Bank
                      Annual fee:
                      $48 annually
                      Regular APR:
                      9.99% Fixed
                      Our Rating:
                      4.23
                      scorer
                      Credit score
                      No Credit History to Poor (0-579)
                        • Issuer name:
                          Applied Bank®
                        • Details:

                          The Applied Bank® Secured Visa® features a fixed-rate 9.99% APR on purchases.

                          The Applied Bank® Gold Preferred® Secured Visa® Card charges several fees in addition to the $48 annual fee. Fees include an up to $38 late payment fee, an up to $38 returned payment fee, a $30 stop payment fee, a $12.95 fee for each optional payment, a $30 fee for additional or replacement cards a $50 reinstatement fee, and a 3% foreign transaction fee.

                          Read full review

                        • Pros:
                          • Extremely low regular APR
                          • No penalty rate
                          • Guaranteed approval
                          • Increase your credit limit
                        • Cons:
                          • No rewards system
                          • A lot of fees
                          • Can’t upgrade to an unsecured credit card
                          • No grace period
                        • Benefits:
                          • Reports to All Three National Credit Bureaus;
                          • Zero Fraud Liability;
                          • Refundable Security Deposit;
                          • Global acceptance;
                          • Emergency card replacement and cash disbursement.
                        View all Secured Visa® Gold Preferred® Credit Card details
                        Apply now
                        On Applied Bank®‘s site
                        Card detail
                        Merrick Bank Double Your Line® Secured Mastercard®
                        Annual fee:
                        $36 the first year. Billed $3 per month thereafter
                        Regular APR:
                        20.45% Variable
                        Our Rating:
                        3.98
                        scorer
                        Credit score
                        No Credit History to Fair (0-669)
                          • Issuer name:
                            Merrick Bank
                          • Details:

                            The Merrick Bank Double Your Line® Secured Mastercard® is a good card for people looking to build or rebuild credit.

                            The card has an annual fee of $36 for the first year (billed $3 per month thereafter).

                            The APR for purchases is 20.45% (Variable).

                            Double your $200 credit line by making at least your minimum payment on time each month for the first 7 months your account is open.

                            Read full review

                          • Pros:
                            • Double your credit limit
                            • Free monthly FICO Score access
                          • Cons:
                            • Annual Fee
                            • Foreign Transaction
                          • Benefits:
                            • $0 Fraud Liability;
                            • Double Your Line®;
                            • Reports to 3 Major Credit Bureaus.
                          View all Double Your Line® Secured Mastercard® details
                          Apply now
                          On Merrick Bank‘s site
                          Card detail
                          First Progress Platinum Prestige Mastercard® Secured Synovus Bank
                          Annual fee:
                          $49 annually
                          Regular APR:
                          13.74% Variable
                          Our Rating:
                          3.8
                          scorer
                          Credit score
                          No Credit History to Fair (0-669)
                            • Issuer name:
                              Synovus Bank
                            • Details:

                              The First Progress Platinum Prestige Mastercard® Secured Credit Card is a secured credit card for people with a limited credit history.

                              The First Progress Platinum Prestige Mastercard® doesn’t earn a welcome bonus.

                              The First Progress Platinum Prestige Mastercard® comes with an annual fee of $49. The card's APR: 13.74% (Variable for purchases), 22.74% (Variable for cash advances).

                              First Progress reports to all three major credit agencies, so even if you have bad credit, you’ll be able to improve on your credit standing provided you use your card responsibly.

                              Read full review

                            • Pros:
                              • Low APR for Purchases
                              • No Minimum Credit Score Required
                              • Reports to Three Major Credit Bureaus
                              • Suitable Range of Credit Limit
                            • Cons:
                              • High Annual Fee
                              • High Transaction Fees on Cash Advance
                              • High Penalty Fees
                              • No Bonuses or Rewards
                              • Foreign Transaction Fees
                              • Unavailability of Card for Certain Geographies in the US
                            • Benefits:
                              • Accepted Nationwide;
                              • No Minimum Credit Score;
                              • No Credit History Required.
                            View all First Progress Platinum Prestige Mastercard® Secured details
                            Apply now
                            On First Progress’s site
                            Card detail
                            First Progress Platinum Elite Mastercard® Secured Synovus Bank
                            Annual fee:
                            $29 annually
                            Regular APR:
                            23.74% Variable
                            Our Rating:
                            3.3
                            scorer
                            Credit score
                            No Credit History to Fair (0-669)
                              • Issuer name:
                                Synovus Bank
                              • Details:

                                The First Progress Platinum Elite Mastercard® Secured Credit Card is designed to help cardholders build credit with no credit check or minimum credit score required to apply.

                                As a secured credit card, the First Progress Platinum Elite Mastercard® doesn’t come with any welcome offers, sign-up bonuses or reward rates.

                                As a Mastercard®-branded credit option, this First Progress card is accepted nationwide.

                                The initial Credit Limit for your Account will be equal to the amount of the Deposit that you make with us, which must be at least $200 (see “Security Interest” above). However, if you choose to deposit more than $200 your initial deposit and corresponding Credit Limit must be at least $300 and may not exceed $2,000.

                                Read full review

                              • Pros:
                                • No credit history required
                                • No Minimum Credit Score needed
                                • Low Annual Percentage Rates
                                • It builds your Credit Score
                              • Cons:
                                • No option to graduate to an unsecured credit card
                                • Credit limit is equal to your deposit amount
                                • There is no Rewards program
                                • There are some area restrictions
                              • Benefits:
                                • No Minimum Credit Score;
                                • No Credit History Required;
                                • Accepted Nationwide.
                              View all First Progress Platinum Elite Mastercard® Secured details
                              Apply now
                              On First Progress’s site
                              Card detail

                              Celtic Bank Deserve EDU best for Cash Back, Without SSN, Student

                              Deserve EDU Celtic Bank
                              Annual fee:
                              $0
                              Regular APR:
                              22.49% Variable
                              Our Rating:
                              3.5
                              scorer
                              Credit score
                              No Credit History to Excellent (0-799)
                              • Rewards Rate:
                                • 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning Cash Back on all purchases.
                              • Issuer name:
                                Celtic Bank
                              • Details:

                                The Deserve EDU Card makes it easy for students to start building credit.

                                The Card's APR is 22.49% (Variable APR). The late payment is up to $25, while the returned payment is up to $37. Balance transfers and cash advances are not available.

                                Students who make purchases totaling $500 within the first three statement cycles of card membership qualify to have their Amazon Prime Student subscription reimbursed (a $59 value).

                                Students spend a significant amount on school supplies, textbooks and gear each year, and the Deserve EDU Mastercard can earn Cash Back on all of these purchases.

                                Read full review

                              • Pros:
                                • No prior credit history required
                                • No SSN Required
                                • No Annual Fee
                                • No
                                • Transactions Fees
                                • No Co-Signer/ Deposit Required
                              • Cons:
                                • Relatively High APR
                                • Fairly Low Rewards
                                • Only for Students
                              • Benefits:
                                • Cellphone Protection;
                                • Collision Damage Waiver;
                                • Concierge Service;
                                • No International Transaction Fees;
                                • Priority Pass™ Membership;
                                • Mastercard Benefits;
                                • No Social Security Number required for international students to apply.
                              View all Deserve EDU details
                              Apply now
                              On Celtic Bank‘s site
                              Card detail
                              Unique Platinum
                              Annual fee:
                              See website for details*
                              Regular APR:
                              0.00% Regular
                              Our Rating:
                              3.1
                              scorer
                              Credit score
                              No Credit History to Poor (0-579)
                              • Rewards Rate:
                                • $25 With the Unique Platinum Card you’ll also get $25 in Reward Dollars every month that you can use to save in your choice of over 500,000 ways.
                              • Details:

                                The Unique Platinum Card is a good option for people with bad credit or no credit.

                                With the Unique Platinum Card you’ll also get $25 in Reward Dollars every month.

                                The Unique Platinum Card has an annual fee of $269.35 (in the first year), $239.4 (thereafter).

                                The card is valid only at My Unique Outlet.

                                Read full review

                              • Pros:
                                • Unsecured credit line
                                • Instant approval
                              • Cons:
                                • Valid only at My Unique Outlet
                                • Minimum monthly payment
                              • Benefits:
                                • $1000 Credit Line;
                                • $25 in Reward Dollars;
                                • No Monthly Fee.
                              View all Unique Platinum details
                              Apply now
                              On Uniquecardservices‘s website
                              Card detail
                              Accepted Platinum
                              Annual fee:
                              See website for details*
                              Regular APR:
                              None
                              Our Rating:
                              4
                              scorer
                              Credit score
                              No Credit History to Poor (0-579)
                              • Purchase Intro APR:
                                0% Introductory APR
                              • Details:

                                The Accepted Platinum Card is a special card for online shopping. With the Card you’ll get $25 in Reward Dollars every month.

                                The Card offers fast, trackable and reliable roadside service.

                                The Initial cost of membership in the Unique Card Services shopping club is $29.95. The continuing cost is $19.95 per months. The card's NSF check fee is $30 (fee for returned checks or debits, second NSF).

                                The card's minimum monthly payment is 15% (of the account balance owed) or $25.00.

                                The Accepted Platinum Card has no penalties for prepayment.

                                Read full review

                              • Pros:
                                • No APR charged
                              • Cons:
                                • No rewards
                                • Limited use
                              • Benefits:
                                • $1,000.00 Credit Line;
                                • No Credit Checks;
                                • 24/7 Roadside Assistance;
                                • $14.95 Monthly Payments.
                              View all Accepted Platinum details
                              Apply now
                              On Acceptedplatinum‘s website
                              Card detail

                              WebBank Petal® 1 "No Annual Fee" Visa® best for For bad credit

                              Petal® 1 "No Annual Fee" Visa® WebBank
                              Annual fee:
                              $0
                              Regular APR:
                              22.99% - 32.49% Variable
                              Our Rating:
                              4.34
                              scorer
                              Credit score
                              No Credit History to Good (0-739)
                              • Rewards Rate:
                                • 2% - 10%:
                                • Cash Back at select merchants.
                              • Issuer name:
                                WebBank
                              • Details:

                                The Petal® 1 "No Annual Fee" Visa® Card earns 2% - 10% Cash Back from select merchants.

                                The Petal® 1 Card has no annual fee. The card's APR for purchases: 22.99% to 32.49% (Variable).

                                The Petal® 1 "No Annual Fee" Visa® Card does not charge an annual fee or fee for foreign transactions.

                                Read full review

                              • Pros:
                                • No Annual Fee
                                • No Foreign Transaction Fee
                              • Cons:
                                • No welcome bonus
                                • No intro APR period
                              • Benefits:
                                • 2 - 10% Cash Back;
                                • Zero liability fraud protection;
                                • $300 - $5,000 credit limits.
                              View all Petal® 1 "No Annual Fee" Visa® details
                              Apply now
                              On WebBank‘s site
                              Card detail
                              Surge® Platinum Secured Mastercard® Celtic Bank
                              Annual fee:
                              $69 annually
                              Regular APR:
                              19.99% Variable
                              Our Rating:
                              3.3
                              scorer
                              Credit score
                              No Credit History to Poor (0-579)
                              • Rewards Rate:
                                • 1% Cash Back rewards for each $1 spent using your Surge Mastercard.
                              • Issuer name:
                                Celtic Bank
                              • Details:

                                The Surge® Platinum Secured Mastercard® is a credit card designed for people with poor credit or none at all. The card earns 1% Cash Back rewards.

                                The card's APR: 19.99% (Variable).

                                The Surge® Platinum Secured Mastercard® has an annual fee of $69. There’s also an additional one-time card fee of $30 (if applicable). Plus, the card has a foreign transaction fee of 3%.

                                Read full review

                              • Pros:
                                • Cash Back rewards
                                • Free automatic account reviews for credit limit increases
                              • Cons:
                                • Annual Fee
                                • Foreign Transaction Fee
                                • No welcome bonus
                                • No Intro APR offer
                              • Benefits:
                                • 1% Cash Back Rewards;
                                • Potential Credit Limit Increase;
                                • Report to All 3 Major Credit Bureaus.
                              View all Surge® Platinum Secured Mastercard® details
                              Apply now
                              On Celtic Bank‘s site
                              Card detail
                              Secured Mastercard® Merrick Bank
                              Annual fee:
                              $36 for first year. Billed $3 per month thereafter
                              Regular APR:
                              20.45% Variable
                              Our Rating:
                              3.2
                              scorer
                              Credit score
                              No Credit History to Poor (0-579)
                                • Issuer name:
                                  Merrick Bank
                                • Details:

                                  The Merrick Bank Secured Mastercard® credit card is a card designed for building or rebuilding credit. The cardholder’s initial credit line will be equal to the amount of their security deposit, which can be between $200 and $3,000.

                                  The Annual Fee is $36 the first year. Billed $3 dollars per month thereafter.

                                  The Card's APR: 20.45% Variable for purchases.

                                  The Secured Mastercard® credit card reports to all three major credit bureaus.

                                  Read full review

                                • Pros:
                                  • Up to $3000 credit limit
                                  • Reports to three major credit bureaus
                                  • You don’t need a bank account to apply
                                  • Access to FICO score
                                  • Low APR
                                • Cons:
                                  • No rewards or intro offers
                                  • $200 minimum deposit
                                  • Extra fees
                                  • $36 annual fee
                                • Benefits:
                                  • Monthly Reporting to the 3 Major Credit Bureaus;
                                  • $0 Fraud Liability;
                                  • Low interest;
                                  • FICO® Score for Free Each Month.
                                View all Secured Mastercard® details
                                Apply now
                                On Merrick Bank‘s site
                                Card detail
                                First Progress Platinum Select Mastercard® Secured Synovus Bank
                                Annual fee:
                                $39 annually
                                Regular APR:
                                17.74% Variable
                                Our Rating:
                                3.5
                                scorer
                                Credit score
                                No Credit History to Fair (0-669)
                                  • Issuer name:
                                    Synovus Bank
                                  • Details:

                                    The First Progress Platinum Select MasterCard® Secured is designed to help cardholders build credit with no credit check or minimum credit score required to apply.

                                    The First Progress Platinum Select MasterCard® Secured doesn’t come with any welcome offers, sign-up bonuses or reward rates.

                                    The card's APR: 17.74% (Variable for Purchases), 23.74% (Variable for Cash Advances).

                                    The First Progress Platinum Select MasterCard® has an annual fee of $39. Plus, the card has a foreign transaction fee of 3%.

                                    Read full review

                                  • Pros:
                                    • No credit history required
                                    • No Minimum Credit Score needed
                                    • Low Annual Percentage Rates
                                  • Cons:
                                    • Annual Fee
                                    • Foreign Transaction Fee
                                  • Benefits:
                                    • Accepted Nationwide;
                                    • No Minimum Credit Score;
                                    • No Credit History Required.
                                  View all First Progress Platinum Select Mastercard® Secured details
                                  Apply now
                                  On First Progress’s site
                                  Card detail
                                  Upgrade Bitcoin Rewards Sutton Bank
                                  Annual fee:
                                  $0
                                  Regular APR:
                                  14.99% - 29.99% Regular
                                  Our Rating:
                                  4.2
                                  scorer
                                  Credit score
                                  Good to Excellent (670-799)
                                  • Rewards Rate:
                                    • 1.5% Cash Back in bitcoin when you make payments.
                                  • Intro Offer:
                                    • $200 Bonus when you open a Rewards Checking account and make 3 debit card transactions.
                                  • Issuer name:
                                    Sutton Bank
                                  • Details:

                                    The Upgrade Bitcoin Rewards Visa® Credit Card earns 1.5% Cash Back in the form of bitcoin when you make your monthly payments. Earn a $200 welcome bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening).

                                    The Upgrade Bitcoin Rewards Visa® Credit Card has no annual fee. The Card's APR: 14.99% - 29.99% (Regular).

                                    Read full review

                                  • Pros:
                                    • No Annual Fee
                                    • No Foreign Transaction Fee
                                  • Cons:
                                    • The Card cannot be used at an ATM
                                  • Benefits:
                                    • $200 bonus;
                                    • 1.5% back in bitcoin when you make payments;
                                    • Credit lines from $500 to $25,000;
                                    • Affordable monthly payments with no annual fee.

                                    *To qualify for the $200 bitcoin welcome bonus, you must open and fund a new Rewards Checking Account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The value of the $200 bonus will be based on the value of bitcoin at the time it is purchased (within 1 - 2 statement periods from the date the bonus is earned) and may change in price by the time you choose to sell it Refer to Program Terms. Your Upgrade Card must be in good standing to receive a bonus.

                                  View all Upgrade Bitcoin Rewards details
                                  Apply now
                                  On Sutton Bank‘s site
                                  Card detail
                                  Divvy Cross River Bank
                                  Annual fee:
                                  $0
                                  Regular APR:
                                  None
                                  Our Rating:
                                  4.04
                                  scorer
                                  Credit score
                                  Fair to Excellent (580-799)
                                  • Rewards Rate:
                                    • 2x - 7x:
                                    • Points on restaurants.
                                    • 2x - 5x:
                                    • Points on hotels.
                                    • 1.5x - 2x:
                                    • Points on recurring software subscriptions.
                                    • 1x - 1.5x:
                                    • Points on everything else.
                                  • Issuer name:
                                    Cross River Bank
                                  • Details:

                                    The Divvy Card is a corporate credit card.

                                    The Divvy Card earns 1-7x rewards, but it doesn't offer a sign-up bonus.

                                    Points can be redeemed for travel, gift cards, statement credits or cash back.

                                    Read full review

                                  • Pros:
                                    • No fees
                                    • Rewards
                                  • Cons:
                                    • No sign-up bonus
                                  • Benefits:
                                    • Unlimited creation of virtual cards;
                                    • Scalable credit line;
                                    • Employee cards for everyone;
                                    • Enforceable budgets;
                                    • Expense reports.
                                  View all Divvy details
                                  Apply now
                                  On Cross River Bank‘s site
                                  Card detail

                                  American Express Blue Cash Preferred best for Gas, Groceries, Streaming services, Daily use

                                  Blue Cash Preferred® American Express
                                  Annual fee:
                                  $0 intro annual fee for the first year
                                  $95 for the rest years
                                  Regular APR:
                                  17.74% - 28.74% Variable
                                  Our Rating:
                                  5
                                  scorer
                                  Credit score
                                  Good to Excellent (670-799)
                                  • Rewards Rate:
                                    • 6% Cash Back at U.S. Supermarkets on up to $6,000 per year in purchases (then 1%).
                                    • 6% Cash Back on streaming (select U.S. streaming subscriptions).
                                    • 3% Cash Back on transit. Transit includes taxis, rideshare, parking, tolls, trains, buses, and more.
                                    • 3% Cash Back at U.S. Gas Stations.
                                    • 1% Cash Back on other purchases.
                                  • Intro Offer:
                                    • $250 Back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive the $250 back in the form of a statement credit.
                                  • Purchase Intro APR:
                                    0% Introductory APR for the first 12 months from the date of account opening
                                  • Balance Transfer APR:
                                    17.74% - 28.74% Variable
                                  • Issuer name:
                                    American Express®
                                  • Details:

                                    The Blue Cash Preferred® Credit Card provides high rewards at U.S. supermarkets and U.S. gas stations, and for streaming services (select U.S. streaming subscriptions), and transit expenses. It has a $0 introductory annual fee for the first year, then $95.

                                    The Blue Cash Preferred® Credit Card from American Express® offers a 0% introductory APR promotion. You’ll pay no interest on purchases and balance transfers for 12 months and then an APR of 17.74% - 28.74% Variable. The Blue Cash Preferred Credit Card's Penalty APR is 29.99%.

                                    The Card also has 0% introductory plan fee on each purchase moved into a plan during the first 12 months after account opening. After that, your plan fee will be up to 1.33% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase and other factors.

                                    The Blue Cash Preferred® Credit Card has a welcome bonus where cardholders earn a $250 statement credit after spending $3,000 on the new card within the first six months of card membership.

                                  • Pros:
                                    • Excellent cashback bonuses
                                    • Generous intro APR on purchases
                                    • Great introductory bonuses
                                  • Cons:
                                    • Cashback cap
                                    • Annual fee
                                    • Foreign transaction fee
                                  • Benefits:
                                    • Earn $250 Back (in the form of a statement credit);
                                    • 6% Cash Back at U.S. Supermarkets on up to $6,000 per year in purchases (then 1%);
                                    • 6% Cash Back on streaming subscriptions;
                                    • 3% Cash Back on transit;
                                    • 3% Cash Back at U.S. Gas Stations;
                                    • 1% Cash Back on other purchases;
                                    • Extended warranty;
                                    • Fraud Protection;
                                    • Return Protection;
                                    • Car Rental Loss and Damage Insurance;
                                    • Global Assist® Hotline;
                                    • Pay It Plan It®;
                                    • American Express Experiences;
                                    • Terms Apply.
                                  Card detail

                                  Chase Sapphire Preferred® best for Travel, Restaurants, Daily use

                                  Chase Sapphire Preferred®
                                  Annual fee:
                                  $95 annually
                                  Regular APR:
                                  18.24% - 25.24% Variable
                                  Our Rating:
                                  4.4
                                  scorer
                                  Credit score
                                  Good to Excellent (670-799)
                                  • Rewards Rate:
                                    • $50 Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Ultimate Rewards®.
                                    • 5x Points on travel purchased through Chase Ultimate Rewards®, excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit.
                                    • 3x Points on dining, including eligible delivery services, takeout and dining out.
                                    • 3x Points on online grocery purchases (excluding Target, Walmart and wholesale clubs).
                                    • 3x Points on select streaming services.
                                    • 2x Points on other travel purchases.
                                    • 1x Point per dollar spent on all other purchases.
                                  • Intro Offer:
                                    • 60,000x Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when redeemed through Chase Ultimate Rewards®.
                                  • Balance Transfer APR:
                                    18.24% - 25.24% Variable
                                  • Issuer name:
                                    Chase
                                  • Details:

                                    The Chase Sapphire Preferred® Credit Card offers 5x points on travel (purchased through Chase Ultimate Rewards®, excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit), 3x on dining, online grocery purchases and select streaming services, 2x on travel.

                                    Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when redeemed through Chase Ultimate Rewards®.

                                    The Chase Sapphire Preferred® has a $95 annual fee. The card’s variable APR is 18.24% to 25.24%.

                                    My Chase PlanSM Fee is 1.72% (monthly fee) of the amount of each eligible purchase transaction or amount selected to create a My Chase Plan. The My Chase Plan Fee will be determined at the time each My Chase Plan is created and will remain the same until the My Chase Plan is paid in full.

                                  • Pros:
                                    • Excellent sign-up bonus
                                    • No foreign transaction fees
                                    • 25% more redemption value
                                    • Unique “My Chase Plan” offer
                                    • Great Referral Program
                                  • Cons:
                                    • There is an annual fee
                                    • Steep penalty APR of 29.99%
                                    • No 0% intro APR offer
                                  • Benefits:
                                    • 60,000 Bonus Points;
                                    • $50 in statement credits;
                                    • 5x points on travel;
                                    • 3x points on dining;
                                    • 3x points on online grocery purchases;
                                    • 3x points on select streaming services;
                                    • 2x points on other travel purchases;
                                    • 25% more redemption value;
                                    • 1:1 Point Transfer;
                                    • Trip Cancellation/Interruption Insurance;
                                    • Auto Rental Collision Damage Waiver;
                                    • Baggage Delay Insurance;
                                    • Travel and Emergency Assistance Services.
                                  Card detail

                                  Citi Double Cash best for Cash Back, No Annual Fee, Daily use

                                  Double Cash Citi
                                  Annual fee:
                                  $0
                                  Regular APR:
                                  17.74% - 27.74% Variable
                                  Our Rating:
                                  4.55
                                  scorer
                                  Credit score
                                  Good to Excellent (670-799)
                                  • Rewards Rate:
                                    • 2% Cash Back on every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases.
                                  • Intro Offer:
                                    • $200 Cash Back after spending $1,500 on purchases in the first 6 months of account opening.
                                  • Balance Transfer APR:
                                    17.74% - 27.74% Variable
                                  • Issuer name:
                                    Citi
                                  • Details:

                                    The Citi® Double Cash Credit Card offers a few concrete ways in which you can better your financial situation, improve your credit card habits and enjoy cash back rewards without the fuss of tracking rotating categories.

                                    Earn 2% Cash Back on every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases. For a limited time earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.

                                    The Citi® Double Cash offers a 0% percent (for 18-months) introductory APR offer on balance transfers (17.74 percent to 27.74 percent variable APR after).

                                    The Citi Double Cash extends a myriad of security and fraud protections.

                                  • Pros:
                                    • Flat-rate Cash Back Rewards on Everything
                                    • High Rewards Rate
                                    • No annual fee
                                    • Attractive Intro APR on Balance Transfers
                                  • Cons:
                                    • Losing your 1% Cash-Back Is Pretty Easy
                                    • Foreign transaction fee
                                    • Balance Transfer Fee
                                  • Benefits:
                                    • Citi Entertainment;
                                    • 2% Cash Back on every purchase;
                                    • Fraud Protection;
                                    • The Lost Wallet Service;
                                    • $0 Liability for Unauthorized Charges.
                                  Card detail

                                  American Express® The Platinum Card® best for Young couples

                                  The Platinum Card® American Express
                                  Annual fee:
                                  $695 annually
                                  Regular APR:
                                  19.74% - 26.74% Variable
                                  Our Rating:
                                  3.64
                                  scorer
                                  Credit score
                                  Good to Excellent (670-799)
                                  • Rewards Rate:
                                    • 5x Points on up to $500,000 spent on directly-booked airfare and flights (per calendar year).
                                    • 5x Points on prepaid hotels.
                                    • 1x Points on all other purchases.
                                  • Intro Offer:
                                    • 100,000x Membership Rewards® Points after you spend $6,000 on purchases on your new card in your first 6 months of Card Membership.
                                  • Issuer name:
                                    American Express®
                                  • Details:

                                    The Platinum Credit Card® from American Express® is one of the most high-flying travel rewards cards on the market.

                                    The Card's APR: 19.74% to 26.74% Variable.

                                    The Platinum Credit Card® earns 100,000 points after spending $6,000 in your first six months. Plus, enjoy 5x points on flights (booked directly with airlines or with American Express Travel, on up to $500,000 on these purchases per calendar year) and hotels (booked on AmexTravel.com).

                                    The Card’s annual fee is the highest: $695. The card doesn’t charge foreign transaction fees.

                                    Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member and Additional Centurion Cards only.

                                    You can register separately for Hilton Honors Gold status or for Marriott Bonvoy Gold Elite status, both of which offer a variety of complimentary hotel guest perks. Hotel perks may include waived resort fees, breakfast, late check-out (and an online check-in option), and higher reward earning rates on stays with eligible hotels through each loyalty program.

                                  • Pros:
                                    • Exceptional travel rewards
                                    • Luxury travel benefits
                                    • Generous welcome offer
                                    • No preset spending limit
                                    • No foreign transaction fee
                                  • Cons:
                                    • Over-the-top annual fee
                                    • Restrictive benefits
                                    • Balance transfers are not available
                                  • Benefits:
                                    • 100,000 Membership Rewards® Points;
                                    • 5x points on directly-booked airfare and flights, prepaid hotels;
                                    • 1x points on all other purchases;
                                    • Platinum Card® Concierge;
                                    • Global Dining Collection;
                                    • Preferred Seating;
                                    • Return Protection;
                                    • Uber Rides with Platinum;
                                    • The Global Lounge Collection®;
                                    • International Airline Program;
                                    • Fee Credit for Global Entry or TSA Pre✓®;
                                    • Fine Hotels & Resorts® Program;
                                    • Platinum Travel Service;
                                    • Marriott Bonvoy™ Gold Elite Status;
                                    • Hilton Honors Gold Status;
                                    • Car Rental Loss and Damage Insurance;
                                    • Trip Delay;
                                    • Trip Cancellation;
                                    • Terms Apply.
                                  Card detail

                                  Capital One Savor Rewards Credit Card best for Restaurants, Entertainment

                                  Capital One® Savor Cash Rewards
                                  Annual fee:
                                  $95 annually
                                  Regular APR:
                                  18.99% - 26.99% Variable
                                  Our Rating:
                                  3.52
                                  scorer
                                  Credit score
                                  Excellent (740-799)
                                  • Rewards Rate:
                                    • 4% Cash Back on dining and entertainment and popular streaming services.
                                    • 3% Cash Back at grocery stores.
                                    • 1% Cash Back on all other purchases.
                                  • Intro Offer:
                                    • $300 Cash Bonus once you spend $3,000 on purchases within 3 months from account opening.
                                  • Balance Transfer APR:
                                    18.99% - 26.99% Variable
                                  • Issuer name:
                                    Capital One
                                  • Details:

                                    The Capital One® Savor Rewards Credit Card has a generous welcome offer. Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening.

                                    The Card offers 4% Сash Back on dining, entertainment and popular streaming services, plus 3% back at grocery stores and 1% back on everything else.

                                    The APR for purchases and balance transfers is 18.99% - 26.99% Variable.

                                    The Capital One® Savor Rewards also charges a $95 annual fee and up to a $40 fee for late payments. The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

                                  • Pros:
                                    • High rewards rate on entertainment and dining
                                    • Decent welcome offer
                                    • No fees for foreign transactions
                                    • Access to special entertainment, events and dining
                                  • Cons:
                                    • No intro APR on purchases or balance transfers
                                    • Annual fee
                                  • Benefits:
                                    • $300 Cash Bonus (once you spend $3,000 on purchases within 3 months from account opening);
                                    • 4% Cash Back on dining and entertainment and popular streaming services;
                                    • 3% Cash Back at grocery stores;
                                    • 1% Cash Back on all other purchases;
                                    • Extended Warranty;
                                    • $0 Fraud Liability;
                                    • Travel Accident Insurance;
                                    • Complimentary Concierge Service;
                                    • 24-hour Travel Assistance Services;
                                    • Shop With Your Rewards.
                                  Card detail

                                  Chase Freedom Unlimited® best for Cash Back, 0 APR, No Annual Fee, Daily use

                                  Chase Freedom Unlimited®
                                  Annual fee:
                                  $0
                                  Regular APR:
                                  17.24% - 25.99% Variable
                                  Our Rating:
                                  5
                                  scorer
                                  Credit score
                                  Good to Excellent (670-799)
                                  • Rewards Rate:
                                    • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
                                    • 3% Cash back on dining at restaurants, including takeout and eligible delivery services.
                                    • 3% Cash Back on drugstore purchases.
                                    • 1.5% Cash Back on all other purchases.
                                  • Intro Offer:
                                    • $200 Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
                                    • 5% Cash Back on gas station purchases on up to $6,000 spent in the first year.
                                  • Purchase Intro APR:
                                    0% Intro APR for the first 15 months that your Account is open
                                  • Balance Transfer APR:
                                    17.24% - 25.99% Variable
                                  • Issuer name:
                                    Chase
                                  • Details:

                                    The Chase Freedom Unlimited® Credit Card offers 0% introductory APR period (17.24% to 25.99% Variable after that) and a sign-up bonus that’s worth far more than most Cash-Back cards offer — all for an annual fee of $0.

                                    The card offers 5% back on travel booked through Chase, 3% Cash Back on restaurants and drugstore purchases and 1.5% back on other purchases.

                                    Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. And earn 5% cash back on gas station purchases on up to $6,000 spent in the first year.

                                  • Pros:
                                    • No Annual Fee
                                    • Generous rewards
                                    • 0% intro APR
                                    • Sign-up bonus
                                  • Cons:
                                    • Foreign Transaction Fee
                                  • Benefits:
                                    • Zero Liability Protection;
                                    • $200 intro bonus;
                                    • 5 percent Cash Back on all travel purchased via the Chase Ultimate Rewards portal;
                                    • 3 percent back on dining;
                                    • 3 percent back at drugstores;
                                    • 1.5 percent Cash Back on general purchases;
                                    • Auto Rental Collision Damage Waiver;
                                    • Trip Cancellation/Interruption Insurance;
                                    • Travel and Emergency Assistance Services;
                                    • 24/7 Fraud Protection;
                                    • Redeem for Cash Back;
                                    • Gift cards.
                                  Card detail

                                  Chase Sapphire Reserve® best for Travel, Restaurants, Daily use

                                  Chase Sapphire Reserve® Chase
                                  Annual fee:
                                  $550 annually ($75 for each authorized user)
                                  Regular APR:
                                  19.24% - 26.24% Variable
                                  Our Rating:
                                  3.99
                                  scorer
                                  Credit score
                                  Excellent (740-799)
                                  • Rewards Rate:
                                    • 10x Points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.
                                    • 10x Total points on Chase Dining purchases with Ultimate Rewards®.
                                    • 5x Total points on flights when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.
                                    • 3x Points on other travel worldwide after the first $300 is spent on travel purchases annually.
                                    • 3x Points on other dining at restaurants, including eligible delivery services, takeout and dining out.
                                    • 1x Point per dollar spent on all other purchases.
                                  • Intro Offer:
                                    • 60,000x Bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.
                                  • Balance Transfer APR:
                                    19.24% - 26.24% Variable
                                  • Issuer name:
                                    Chase
                                  • Details:

                                    Earning rewards with the Chase Sapphire Reserve® Credit Card is very straightforward.

                                    The card’s variable APR is 19.24% to 26.24%.

                                    The Chase Sapphire Reserve® has a $550 annual fee.

                                    New cardmembers can earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.

                                    The Chase Sapphire Reserve® offers 10x total points on Chase Dining, 10x total points on hotels and car rentals (when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually), 5x total points on flights (when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually), 3x points on other travel worldwide (after the first $300 is spent on travel purchases annually), 3x points on other dining at restaurants, including eligible delivery services, takeout and dining out.

                                    Transfer your points to leading airline and hotel loyalty programs at 1 to 1 value. That means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points.

                                    Cardmembers receive a $300 credit each card anniversary to be used toward travel. This credit is applied as a statement credit for travel purchases automatically. The card also offers a $100 statement credit every four years toward the Global Entry or TSA PreCheck® Fee.

                                  • Pros:
                                    • Generous signup offer
                                    • Annual $300 travel credit
                                    • High travel and dining rewards
                                    • Transfer points to loyalty programs
                                    • Increase point value by 50%
                                  • Cons:
                                    • Typically requires excellent credit
                                    • High annual fee
                                  • Benefits:
                                    • 60,000 bonus points;
                                    • 10x total points on hotels and car rentals;
                                    • 10x total points on Chase Dining purchases;
                                    • 5x total points on flights;
                                    • 3x points on other travel;
                                    • 3x points on other dining;
                                    • $300 Annual Travel Credit;
                                    • Zero liability protection;
                                    • 50% more redemption value;
                                    • Global Entry or TSA Pre✓® Fee Credit ;
                                    • Complimentary Airport Lounge Access;
                                    • The Luxury Hotel & Resort Collection;
                                    • Trip Cancellation/Interruption Insurance;
                                    • Auto Rental Collision Damage Waiver;
                                    • Lost Luggage Reimbursement;
                                    • Emergency Evacuation & Transportation.
                                  Card detail

                                  Chase Southwest Rapid Rewards® Priority best for Young couples

                                  Southwest Rapid Rewards® Priority Chase
                                  Annual fee:
                                  $149 annually
                                  Regular APR:
                                  18.24% - 25.24% Variable
                                  Our Rating:
                                  4.03
                                  scorer
                                  Credit score
                                  Good to Excellent (670-799)
                                  • Rewards Rate:
                                    • 3x Points on Southwest Airlines® purchases.
                                    • 2x Points per $1 spent on local transit and commuting, including rideshare.
                                    • 2x Points per $1 spent on internet, cable, phone services, and select streaming.
                                    • 1x Point per $1 spent on all other purchases.
                                  • Intro Offer:
                                    • 50,000x Bonus points after you spend $1,000 on purchases in the first 3 months from account opening.
                                  • Balance Transfer APR:
                                    18.24% - 25.24% Variable
                                  • Issuer name:
                                    Chase
                                  • Details:

                                    The Southwest Rapid Rewards® Priority Credit Card offers 50,000 bonus points after you spend $1,000 on purchases in the first 3 months from account opening.

                                    The Southwest Rapid Rewards® Priority Card comes with an annual fee of $149. The card's APR: 18.24% - 25.24% (Variable APR); 29.99% (Penalty APR).

                                    Receive 7,500 bonus points after your Cardmember anniversary. You'll get $75 each year that you can use for most Southwest purchases.

                                  • Pros:
                                    • No Foreign Transaction Fee
                                    • High rewards rate
                                  • Cons:
                                    • Annual Fee
                                    • Extra Fees
                                  • Benefits:
                                    • 50,000 bonus points;
                                    • 2x points on Southwest Airlines;
                                    • 2x points on Rapid Rewards hotel and car rental partners;
                                    • 2x points on local transit and commuting;
                                    • 2x points on internet, cable, phone services, and streaming;
                                    • 1x points on all other purchases;
                                    • 7,500 anniversary bonus points;
                                    • Extended Warranty Protection;
                                    • Lost Luggage Reimbursement;
                                    • Baggage Delay Insurance;
                                    • 4 Upgraded Boardings;
                                    • $75 Southwest annual travel credit.
                                  Card detail

                                  Citi AAdvantage® Executive World Elite Mastercard® best for Young couples

                                  AAdvantage® Executive World Elite Mastercard® Citi
                                  Annual fee:
                                  $450 annually
                                  Regular APR:
                                  19.74% - 28.74% Variable
                                  Our Rating:
                                  3.56
                                  scorer
                                  Credit score
                                  Good to Excellent (670-799)
                                  • Rewards Rate:
                                    • 2x Miles for every $1 spent on eligible American Airlines purchases.
                                    • 1x Mile for every $1 spent on all other purchases.
                                  • Intro Offer:
                                    • 80,000x Bonus miles after making $5,500 in purchases within the first 3 months of account opening.
                                  • Balance Transfer APR:
                                    19.74% - 28.74% Variable
                                  • Issuer name:
                                    Citi
                                  • Details:

                                    The Citi® / AAdvantage® Executive World Elite Mastercard® offers 80,000 American Airlines AAdvantage® bonus miles after making $5,500 in purchases within the first 3 months of account opening.

                                    With the Citi® / AAdvantage® Executive World Elite Mastercard®, you can earn 2x AAdvantage® miles on eligible American Airlines purchases, 1x AAdvantage® mile on all other purchases.

                                    The card's APR is 19.74% - 28.74% (Variable), 29.99% (Penalty APR).

                                    Each cardmember year, earn a $145 statement credit when you have a qualifying Citigold account, are billed a $450 Annual Fee, and remain a cardmember.

                                    Enjoy Admirals Club® Membership, including access to nearly 50 lounge locations worldwide.

                                    Use your miles for award travel to over 1,000 destinations worldwide, with flexible redemption options for one-way or round trip awards on American Airlines.

                                  • Pros:
                                    • Admirals Club membership
                                    • Sign up bonus
                                    • No foreign transaction fees
                                  • Cons:
                                    • Relatively high APR
                                    • No bonus categories
                                    • $450 annual fee
                                  • Benefits:
                                    • 80,000x American Airlines AAdvantage® bonus miles;
                                    • 2x AAdvantage® miles on eligible American Airlines purchases;
                                    • 1x AAdvantage® mile on other purchases;
                                    • $0 Liability;
                                    • Admirals Club® membership;
                                    • Banking Relationship Annual Credit;
                                    • Digital Wallets;
                                    • First Check Bag Free;
                                    • Enhanced Airport Experience;
                                    • Global Entry or TSA PreCheck® Statement Credit;
                                    • 25% Savings on Inflight Food and Beverage;
                                    • Dedicated Concierge;
                                    • Citi Entertainment®.
                                  Card detail

                                  Citi Costco Anywhere Visa® best for Cash Back, Young couples

                                  Costco Anywhere Visa® Citi
                                  Annual fee:
                                  $0
                                  Regular APR:
                                  18.99% Variable
                                  Our Rating:
                                  4.23
                                  scorer
                                  Credit score
                                  Excellent (740-799)
                                  • Rewards Rate:
                                    • 4% Cash Back on eligible gas, including gas at Costco for the first $7,000 per year and then 1% thereafter.
                                    • 3% Cash Back on restaurants and eligible travel purchase worldwide.
                                    • 2% Cash Back on all other purchases from Costco and Costco.com.
                                    • 1% Cash Back on all other purchases.
                                  • Balance Transfer APR:
                                    18.99% Variable
                                  • Issuer name:
                                    Citi
                                  • Details:

                                    The Costco Anywhere Visa® Credit Card by Citi has no annual fee. You have to be a Costco member to get the card.

                                    The Card’s variable APR is 18.99%.

                                    You'll earn 2% cash back on Costco/Costco.com purchases, you’ll also earn 4% on eligible gas purchases (on up to $7,000 in purchases per year, then 1 percent), 3% on eligible restaurant and travel purchases and 1% on all other purchases.

                                    With purchase protection, You may be reimbursed if your purchases are stolen or damaged within three to four months after you bought them.

                                  • Pros:
                                    • Excellent rewards rate for gas
                                    • Great rewards for dining and travel
                                    • Decent APR rate
                                    • No foreign transaction fees
                                  • Cons:
                                    • Costco membership required
                                    • No welcome offer
                                    • Limiting redemption policy
                                  • Benefits:
                                    • Cash Back Rewards;
                                    • Damage & Theft Purchase Protection;
                                    • Extended Warranty;
                                    • Citi Entertainment®.
                                  Card detail

                                  Short Review of Best Credit Cards for Couples

                                  NameBest forRewards RateAPRApply
                                  Capital One Venture Rewards Credit Card
                                  3.52
                                  Travel, Daily use
                                • 5x Miles per dollar on hotels and rental cars booked through Capital One Travel.
                                • 2x Miles on all purchases.
                                • 18.99% - 26.99% VariableApply now
                                  On Capital One‘s site
                                  Journey Student Rewards from Capital One
                                  3.79
                                  Without SSN
                                • 1% Cash Back on all your purchases. Pay on time to boost your Cash Back to a total of 1.25% for that month.
                                • 28.49% VariableApply now
                                  On Capital One‘s site
                                  Upgrade Cash Rewards Visa®
                                  4.35
                                  Good credit score
                                • 1.5% Cash Back on payments.
                                • 14.99% - 29.99% RegularApply now
                                  On Upgrade‘s website
                                  The Bank of Missouri FIT® Platinum Mastercard®
                                  3.9
                                  Unsecured
                                • This card doesn't offer cash back, miles or points.
                                • 29.99% VariableApply now
                                  On The Bank of Missouri‘s site
                                  Transportation Alliance Bank The Mission Lane Visa®
                                  3.05
                                • This card doesn't offer cash back, miles or points.
                                • 26.99% - 29.99% VariableApply now
                                  On Transportation Alliance Bank‘s site
                                  Upgrade Triple Cash Rewards Visa®
                                  3.53
                                • 3% Cash Back on Home, Auto and Health categories.
                                • 1% Cash Back on everything else.
                                • 14.99% - 29.99% RegularApply now
                                  On Upgrade‘s website
                                  Celtic Bank Surge® Platinum Mastercard®
                                  3.2
                                  Walmart purchases
                                • This card doesn't offer cash back, miles or points.
                                • 24.99% - 29.99% VariableApply now
                                  On Celtic Bank‘s site
                                  MRV Banks Revvi
                                  4.1
                                • 1% Cash Back on payments made to your Revvi Credit Card. ^^
                                • 34.99% *Apply now
                                  On the Revvi secure website
                                  Merit Platinum
                                  3.8
                                • This card doesn't offer cash back, miles or points.
                                • NoneApply now
                                  On Meritplatinum‘s website
                                  Merrick Bank Double Your Line® Mastercard®
                                  4.1
                                • This card doesn't offer cash back, miles or points.
                                • 22.45% - 30.70% *VariableApply now
                                  On Merrick Bank‘s site
                                  WebBank Petal® 2 “Cash Back, No Fees” Visa®
                                  3.8
                                  Beginner, No history
                                • 1% - 1.5%:
                                • Cash Back after making 12 on-time monthly payments.
                                • 2% - 10%:
                                • Cash Back from select merchants.
                                • 15.99% - 29.99% VariableApply now
                                  On WebBank‘s site
                                  The Bank of Missouri First Access Visa®
                                  4.2
                                • This card doesn't offer cash back, miles or points.
                                • 34.99%Apply now
                                  On the First Access Visa® Card secure website
                                  Celtic Bank Reflex® Platinum Mastercard®
                                  3.8
                                  Unsecured
                                • This card doesn't offer cash back, miles or points.
                                • 24.99% - 29.99% VariableApply now
                                  On Celtic Bank‘s site
                                  Celtic Bank Indigo® Mastercard®
                                  3.7
                                  Unsecured
                                • This card doesn't offer cash back, miles or points.
                                • 24.9%Apply now
                                  On Celtic Bank‘s site
                                  The Bank of Missouri Total Visa® Unsecured
                                  3.32
                                • This card doesn't offer cash back, miles or points.
                                • 34.99% *Apply now
                                  On the Total Visa® Card secure website
                                  The Bank of Missouri Milestone Mastercard®
                                  3.5
                                  Unsecured
                                • This card doesn't offer cash back, miles or points.
                                • 24.9%Apply now
                                  On The Bank of Missouri‘s site
                                  Applied Bank® Secured Visa® Gold Preferred® Credit Card
                                  4.23
                                  18 year old
                                • This card doesn't offer cash back, miles or points.
                                • 9.99% FixedApply now
                                  On Applied Bank®‘s site
                                  Merrick Bank Double Your Line® Secured Credit Card
                                  3.98
                                • This card doesn't offer cash back, miles or points.
                                • 20.45% VariableApply now
                                  On Merrick Bank‘s site
                                  First Progress Platinum Prestige Mastercard® Secured Credit Card
                                  3.8
                                • This card doesn't offer cash back, miles or points.
                                • 13.74% VariableApply now
                                  On First Progress’s site
                                  First Progress Platinum Elite Mastercard® Secured Credit Card
                                  3.3
                                • This card doesn't offer cash back, miles or points.
                                • 23.74% VariableApply now
                                  On First Progress’s site
                                  Celtic Bank Deserve EDU
                                  3.5
                                  Cash Back, Without SSN, Student
                                • 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning Cash Back on all purchases.
                                • 22.49% VariableApply now
                                  On Celtic Bank‘s site
                                  Unique Platinum
                                  3.1
                                • $25 With the Unique Platinum Card you’ll also get $25 in Reward Dollars every month that you can use to save in your choice of over 500,000 ways.
                                • 0.00% RegularApply now
                                  On Uniquecardservices‘s website
                                  Accepted Platinum
                                  4
                                • This card doesn't offer cash back, miles or points.
                                • NoneApply now
                                  On Acceptedplatinum‘s website
                                  WebBank Petal® 1 "No Annual Fee" Visa®
                                  4.34
                                  For bad credit
                                • 2% - 10%:
                                • Cash Back at select merchants.
                                • 22.99% - 32.49% VariableApply now
                                  On WebBank‘s site
                                  Celtic Bank Surge® Platinum Secured Mastercard®
                                  3.3
                                • 1% Cash Back rewards for each $1 spent using your Surge Mastercard.
                                • 19.99% VariableApply now
                                  On Celtic Bank‘s site
                                  Merrick Bank Secured Credit Card
                                  3.2
                                • This card doesn't offer cash back, miles or points.
                                • 20.45% VariableApply now
                                  On Merrick Bank‘s site
                                  First Progress Platinum Select Mastercard® Secured Credit Card
                                  3.5
                                • This card doesn't offer cash back, miles or points.
                                • 17.74% VariableApply now
                                  On First Progress’s site
                                  Sutton Bank Upgrade Bitcoin Rewards
                                  4.2
                                • 1.5% Cash Back in bitcoin when you make payments.
                                • 14.99% - 29.99% RegularApply now
                                  On Sutton Bank‘s site
                                  Cross River Bank Divvy
                                  4.04
                                • 2x - 7x:
                                • Points on restaurants.
                                • 2x - 5x:
                                • Points on hotels.
                                • 1.5x - 2x:
                                • Points on recurring software subscriptions.
                                • 1x - 1.5x:
                                • Points on everything else.
                                • NoneApply now
                                  On Cross River Bank‘s site
                                  American Express Blue Cash Preferred
                                  5
                                  Gas, Groceries, Streaming services, Daily use
                                • 6% Cash Back at U.S. Supermarkets on up to $6,000 per year in purchases (then 1%).
                                • 6% Cash Back on streaming (select U.S. streaming subscriptions).
                                • 3% Cash Back on transit. Transit includes taxis, rideshare, parking, tolls, trains, buses, and more.
                                • 3% Cash Back at U.S. Gas Stations.
                                • 1% Cash Back on other purchases.
                                • 17.74% - 28.74% VariableLearn more
                                  Chase Sapphire Preferred®
                                  4.4
                                  Travel, Restaurants, Daily use
                                • $50 Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Ultimate Rewards®.
                                • 5x Points on travel purchased through Chase Ultimate Rewards®, excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit.
                                • 3x Points on dining, including eligible delivery services, takeout and dining out.
                                • 3x Points on online grocery purchases (excluding Target, Walmart and wholesale clubs).
                                • 3x Points on select streaming services.
                                • 2x Points on other travel purchases.
                                • 1x Point per dollar spent on all other purchases.
                                • 18.24% - 25.24% VariableLearn more
                                  Citi Double Cash
                                  4.55
                                  Cash Back, No Annual Fee, Daily use
                                • 2% Cash Back on every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases.
                                • 17.74% - 27.74% VariableLearn more
                                  American Express® The Platinum Card®
                                  3.64
                                  Young couples
                                • 5x Points on up to $500,000 spent on directly-booked airfare and flights (per calendar year).
                                • 5x Points on prepaid hotels.
                                • 1x Points on all other purchases.
                                • 19.74% - 26.74% VariableLearn more
                                  Capital One Savor Rewards Credit Card
                                  3.52
                                  Restaurants, Entertainment
                                • 4% Cash Back on dining and entertainment and popular streaming services.
                                • 3% Cash Back at grocery stores.
                                • 1% Cash Back on all other purchases.
                                • 18.99% - 26.99% VariableLearn more
                                  Chase Freedom Unlimited®
                                  5
                                  Cash Back, 0 APR, No Annual Fee, Daily use
                                • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
                                • 3% Cash back on dining at restaurants, including takeout and eligible delivery services.
                                • 3% Cash Back on drugstore purchases.
                                • 1.5% Cash Back on all other purchases.
                                • 17.24% - 25.99% VariableLearn more
                                  Chase Sapphire Reserve®
                                  3.99
                                  Travel, Restaurants, Daily use
                                • 10x Points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.
                                • 10x Total points on Chase Dining purchases with Ultimate Rewards®.
                                • 5x Total points on flights when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.
                                • 3x Points on other travel worldwide after the first $300 is spent on travel purchases annually.
                                • 3x Points on other dining at restaurants, including eligible delivery services, takeout and dining out.
                                • 1x Point per dollar spent on all other purchases.
                                • 19.24% - 26.24% VariableLearn more
                                  Chase Southwest Rapid Rewards® Priority
                                  4.03
                                  Young couples
                                • 3x Points on Southwest Airlines® purchases.
                                • 2x Points per $1 spent on local transit and commuting, including rideshare.
                                • 2x Points per $1 spent on internet, cable, phone services, and select streaming.
                                • 1x Point per $1 spent on all other purchases.
                                • 18.24% - 25.24% VariableLearn more
                                  Citi AAdvantage® Executive World Elite Mastercard®
                                  3.56
                                  Young couples
                                • 2x Miles for every $1 spent on eligible American Airlines purchases.
                                • 1x Mile for every $1 spent on all other purchases.
                                • 19.74% - 28.74% VariableLearn more
                                  Citi Costco Anywhere Visa®
                                  4.23
                                  Cash Back, Young couples
                                • 4% Cash Back on eligible gas, including gas at Costco for the first $7,000 per year and then 1% thereafter.
                                • 3% Cash Back on restaurants and eligible travel purchase worldwide.
                                • 2% Cash Back on all other purchases from Costco and Costco.com.
                                • 1% Cash Back on all other purchases.
                                • 18.99% VariableLearn more

                                  Capital One Venture Rewards Credit Card

                                  Another great travel card that will earn you 2 miles per dollar spent on all purchases. You can earn 75,000 bonus miles by spending $4,000 in the first 3 months after account opening. You can redeem your rewards through the many partner airline and hotel programs or statement credit at 1 cent per mile. This card has a $95 annual fee, and it won't charge you for adding an authorized user.

                                  Read more about Capital One Venture Rewards Credit Card

                                  American Express Blue Cash Preferred

                                  Probably the best card on the market for family spending, therefore great for married couples or those who live together. It has the highest rewards rate of 6% for purchases made at U.S. supermarkets (capped at $6,000 annually). There is also a 6% rewards rate for U.S. streaming services and a 3% rewards rate for U.S. gas purchases and transit. You get $350 cash back if you spend $3,000 in the first 6 months. The 12-month 0% APR period for purchases (then a variable APR, 17.74% - 28.74%) can help you finance a large ticket item. All this comes at a $95 annual fee, which is waived the first year. There is no fee for adding an authorized user.

                                  Read more about American Express Blue Cash Preferred

                                  Chase Sapphire Preferred®

                                  A great card for all couples who love romantic getaways. You'll earn 5 points per dollar spent on travel, 3 points on dining, streaming and grocery, 2 points on other travel and 1 point per dollar on all other purchases. By spending $4,000 in the first 3 months upon account opening, you will get 60,000 bonus points, which are worth $750 when redeemed through Chase Ultimate Rewards. If you’re a member of a certain frequent flyer program, you can transfer your points with a 1:1 value. Airline travel partners include the British Airways Executive Club and the Jet Blue TrueBlue (the full list is available on Chase's website). This card will cost you a $95 annual fee, but there is no fee for an authorized user.

                                  Read more about Chase Sapphire Preferred®

                                  Citi Double Cash

                                  One of the best flat-rate cash back cards with a generous 2% cash back on all purchases. You get 1% when you make a purchase and 1% when you pay for it. If one of you (or both) carries a high-interest balance on another card, you can take advantage of the great 18-month 0% APR offer on balance transfers (17.74% - 27.74% Variable after). There is no annual fee and no fee for an authorized user.

                                  Read more about Citi Double Cash

                                  American Express® The Platinum Card®

                                  An elite travel card that couples who love traveling will definitely enjoy. You'll earn 5 points on flights purchased directly with airlines or through American Express Travel, 5 points on prepaid hotels booked through American Express Travel. You can earn 100,000 Membership Rewards points if you spend $6,000 in the first 6 months after opening the account. On top of the great rewards, many other premium benefits come with this card too, which make it well worth it for the $695 annual fee. There is an additional $175 annual fee for up to 3 authorized users, and then it's $175 for each additional user.

                                  Read more about American Express® The Platinum Card®

                                  Capital One Savor Rewards Credit Card

                                  If 'dinner and movie' dates are your thing, you should definitely consider the Capital One Savor Cash Rewards. It offers an unlimited 4% cash back on dining, entertainment and popular streaming services, 3% at grocery stores, and 1% on everything else. There is a sweet welcome bonus of $300, which you can get by spending $3,000 in the first 3 months. Cardholders also get access to premium experiences, like five-star meals and VIP tickets. The annual fee is $95, and there is no fee for authorized users.

                                  Read more about Capital One Savor Rewards Credit Card

                                  Chase Freedom Unlimited®

                                  The Chase Freedom Unlimited® card offers generous rewards, flexible redemption options, a long 0% introductory APR period, and a sign-up bonus — all for a $0 annual fee. You'll earn 5% cash back on travel purchased through Chase, 3% at restaurants and drugstores, and 1.5% on everything else. The 15-month 0% APR offer can help you finance your next big purchase (17.24% - 25.99% Variable after that). New cardmembers can earn the $200 bonus by spending only $500 during the first 3 months. You can add an authorized user to the card at no additional fee.

                                  Read more about Chase Freedom Unlimited®

                                  Chase Sapphire Reserve®

                                  The Chase Sapphire Reserve® is one of the best premium travel cards on the market. You’ll earn 10x points on Chase Dining purchases, 3 points on dining and travel purchases worldwide, and on each account anniversary, you'll get a $300 annual travel credit. There is a 60,000 points sign-up bonus if you spend $4,000 in the first 3 months after opening the account. There are several redemption options (including cash, partners, and gift cards), but you’ll get the most value if you redeem through Chase Ultimate Rewards since rewards will be worth 50% more. For example, the bonus points are worth $900 toward travel. Considering its rewards and the many luxury perks it offers, the $550 annual fee shouldn't come as a surprise. There is also a $75 fee for an authorized user.

                                  Read more about Chase Sapphire Reserve®

                                  Chase Southwest Rapid Rewards® Priority

                                  The Chase Southwest Rapid Rewards trio is ideal for couples who frequently travel with the airline. The three cards are Plus, Premier, and Priority with a $69, $99, and $149 annual fee, listed respectively. All of them earn you 2 points per dollar on Southwest purchases and 1 point on all other purchases, while the Premier and Priority also earn you 2 points on hotels and car rental partners. You can start with the Plus and make your way to the Priority, which comes with many elite benefits like travel protections, and it has the highest anniversary bonus among the three – 7,500 points. You can add an authorized user to the card at no cost.

                                  Read more about Chase Southwest Rapid Rewards® Priority

                                  Citi AAdvantage® Executive World Elite Mastercard®

                                  A great premium airline credit card for American Airlines fans. There is a welcome offer of 50,000 bonus miles after spending $5,000 within the first 3 months. You'll earn 2 miles per dollar spent on American Airlines purchases and 1 point for all other purchases. That is the only card that comes with an Admiral Club Membership. Some of the many perks you'll enjoy are priority boarding, 25% savings on inflight food and drinks, first checked bag free, and concierge service. The annual fee is $450, while there is no authorized user fee.

                                  Read more about Citi AAdvantage® Executive World Elite Mastercard®

                                  Citi Costco Anywhere Visa®

                                  A great choice for couples with kids who live in the suburbs and drive around all the time. With this card, you'll get 4% cash back on gas purchases (for the first $7,000 spent annually), 3% on dining out and travel, 2% on all Costco in-store and online purchases, and 1% on everything else. It doesn't have an annual fee, but it requires a Costco membership which costs $60 (Gold Star) and $120 (Gold Star Executive). Membership is also required for the authorized user if you want to add one.

                                  Read more about Citi Costco Anywhere Visa®

                                  How do credit cards for couples work?

                                  Once you’ve joined finances with your partner (or are planning to), we’re sure that the topic of credit cards will come up. Now that there are two of you, several options are available. You can be co-signers of one account (which many credit card companies don't allow), you can have two separate cards, or you can use the authorized user feature most cards have.

                                  Authorized users can make purchases with the card, but they won't be held financially responsible for it. Only the primary cardholder can manage the card’s balance and redeem rewards. This feature is a great way to boost rewards and easily reach bonus threshold amounts. However, it’s important to fully trust the person you’ll add as an authorized user.

                                  If you’ve combined finances with your partner, don’t forget to list any household income you manage together when applying for a new credit card. Any additional income will work in your favor for getting approved and getting a higher credit limit.

                                  How can we mix cards to make the most of them?

                                  That will depend on your spending habits and preferences. You have many possibilities for maximizing the rewards, bonuses, and benefits that credit cards offer. We'll list some strategies to give you an idea.

                                  Let’s say you just moved in together and would like to earn rewards, but you also need to make some purchases for your new home.

                                  So, one of you can get a rewards card like the Blue Cash Preferred® if you prefer cooking at home or spend a lot on gas, or the Capital One Savor Cash Rewards if you enjoy dining out more. The other could get the Citi Double Cash, which has an 18-month 0% APR offer on purchases (17.74% - 27.74% Variable thereafter), and a 2% flat rewards rate. If the new purchases are a priority, both of you can get cards with intro APR offers. One such great card is the Chase Freedom Unlimited®. That one and the Citi Double Cash both have no annual fees, which is great if you don't like paying an annual fee.

                                  It’s always smart to get two Chase cards and combine your points through the Chase Ultimate Rewards portal to get the most out of them. If you often travel, consider the Chase Sapphire Reserve®, which has 50% more redemption value when redeemed through the Chase portal. However, this one comes with a hefty $550 annual fee and a $75 authorized user fee.

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                                  One of you can get the Sapphire Reserve®, and the other can get a no-annual fee Chase card (like the Freedom Unlimited®). Then transfer all points combined to the Sapphire Reserve® to get the best value.

                                  Tips for managing cards as a couple

                                  If both of you have excellent credit scores, the best credit cards will be accessible, and it'll be easier to make the most of any credit cards you own. We'll offer some tips depending on whether you decide to share an account through the authorized user feature or have two separate credit cards.

                                  One account (authorized user)

                                  Adding an authorized user is great when you’ve found the perfect card and want every household member to have it in their wallet. That way, both of you can swipe the card and pile up rewards. Sharing an account is also a good idea when one partner has a considerably better credit score than the other. Don’t forget to check whether the card allows the authorized user’s spending to count toward the sign-up bonus. In that case, go for a card with a big one!

                                  Separate accounts

                                  The strategies we've listed in the previous section apply to couples who have separate credit cards. So, think about your spending and goals. You have more lucrative opportunities with two cards - one can get a regular cash back card like the Citi Double Cash, while the other can get a premium travel card from your favorite airline, like the Chase Southwest Rapid Rewards® Priority.

                                  How to compare credit cards for couples?

                                  Here are some things to consider when deciding on a credit card:

                                  • Rewards type – do you want to earn cash back or points/miles?
                                  • Annual fee – this is particularly important if you’re going to have separate cards. It’s not very smart to pay two annual fees. You’ll also ‘spread’ the rewards on two cards, so you can’t be sure if they’ll outweigh the annual cost. However, two people joining forces and earning rewards with the same card can easily outset the annual fee.
                                  • APR offer – many rewards credit cards come with an intro APR offer on balance transfers and/or purchases. You can take advantage of them to transfer a high-interest balance or finance a large purchase. The Discover it® Cash Back can help you with both.
                                  • Authorized user fee – If one of you is going to be an authorized user or you're going to be each other's authorized users, take a look at whether this will cost you and how much. The Platinum Card® from American Express® and the Chase Sapphire Reserve® charge an authorized user fee, so only go for them if you are really certain you will earn enough rewards.

                                  If we are only applying for one card, who should apply?

                                  It’s simple – the one with the better credit score. That way you’ll have better chances at getting a good card. A partner with bad credit should be added as an authorized user and will see a credit score increase if the card is managed responsibly (making payments on time).

                                  If both of you have an excellent credit score, apply for separate cards and add each other as authorized users. With two great cards earning rewards in your favorite spending categories, you could earn hundreds of dollars cash back or points/miles. Consider our strategies in the section ‘How can we mix cards to make the most of them?’

                                  It’s a bit tricky if both of you have bad credit scores. You won’t have many options, at least good ones. To get the best rewards rates, you will need to build your credit first. If you can afford a security deposit, one or the two of you should apply for a secured credit card.

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                                  The Discover it® Secured is a great card for people with bad credit who want to earn rewards.

                                  FAQ

                                  What are other credit cards to consider?

                                  Another great credit card that couples should consider is the Chase Freedom Flex.

                                  Is it a good idea to add an authorized user to the card?

                                  Adding an authorized user to a credit card can help pile up rewards more quickly, but it also means you'll be held responsible for any charges the authorized user makes. You should only add a person who you know well and would trust that will manage the card in a financially responsible way.

                                  Does the authorized user share the same benefits as the primary cardholder?

                                  Many rewards cards offer valuable benefits which in some cases can apply only to the primary cardholder. You should check whether you and your partner will both have the same benefits before applying for the card.
                                  Hanna VolkavaHanna Volkava

                                  Financial and product expert

                                  hv@myfin.us