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Best joint credit card in Canada

Best joint credit card in Canada

Cameron Smonk
Author: Christine Smonk

By Cameron Smonk & Christine Smonk

🗓️

Updated: September 16, 2024

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There are  two types of people who want a joint credit card.

The first are people in looking to combine their finances with someone else to make high minimum spend requirements and fees to access juicy bonuses from premium cards.

The second are people averse to complicated finances and want to get the most out of the fewest possible products.

The joint card you pick will be different for each need, and will also change if you’re a married couple or just roommates. Here’s a few cards for your consideration:

Best joint credit card in Canada

The Platinum Card

Apply now

3.5

70,000 pts

Welcome offer

Excellent

Suggested credit score

Earn 70,000 Membership Rewards® points*

Apply now

Pros

  • Earn 5X Rewards Points for flights and on prepaid hotels booked with American Express Travel

  • Access to a wide range of luxury perks, including premium concierge service

  • Complimentary lounge membership providing access to over 1,200 airport lounges worldwide

  • Annual statement credits: $200 airline fee credit, $200 hotel credit, $240 digital entertainment credit

  • Special insurance coverages like trip cancellation/interruption, flight delay, lost or stolen baggage and rental car theft & damage.

  • Provides extended warranty (2 years) and purchase protection (120 days).

Cons

  • High annual fee of $799, one of the heftiest among Canadian cards

  • The rewards system can be complicated, especially for users not familiar with maximizing credit card points

  • Requires good to excellent credit for eligibility

Eligibility

Recommended Credit Score

Excellent

Pros

  • Earn 5X Rewards Points for flights and on prepaid hotels booked with American Express Travel

  • Access to a wide range of luxury perks, including premium concierge service

  • Complimentary lounge membership providing access to over 1,200 airport lounges worldwide

  • Annual statement credits: $200 airline fee credit, $200 hotel credit, $240 digital entertainment credit

  • Special insurance coverages like trip cancellation/interruption, flight delay, lost or stolen baggage and rental car theft & damage.

  • Provides extended warranty (2 years) and purchase protection (120 days).

Cons

  • High annual fee of $799, one of the heftiest among Canadian cards

  • The rewards system can be complicated, especially for users not familiar with maximizing credit card points

  • Requires good to excellent credit for eligibility

Eligibility

Recommended Credit Score

Excellent

Earn 2 points for every $1 in Card purchases on eligible dining and food delivery in Canada

2x

points for every $1 in Card purchases on eligible travel

2x

point for every $1 in all other Card purchases

1x

Purchase APR

21.99%

Annual Fee

$799

Foreign Transaction Fee

0.00%

Remember those two types of people I mentioned? Well, let’s start with talking about the first kind. The best joint credit card is also realistically one of the best credit cards – and the most expensive.

That would be the Amex Platinum. Towering high annual fee, huge minimum spend for the bonus – all ameliorated when the cost is split between two people. It’s $799 for the card, and $250 for an additional card, but realistically you could get one and share it – the perks, bonuses and credits all make it worthwhile.

CIBC Dividend® Visa Infinite* Card

Apply now

4.1

10% back†

Welcome offer

Good

Suggested credit score

Get a first-year annual fee rebate for you and up to three Authorized Users† and earn 10% cash back for the first 4 statements on net purchases of up to $3,000†.

Apply now

Pros

  • First-year annual fee rebate

  • 10% cash back welcome bonus up to $3,000 spend

  • 4% cash back on gas, electric vehicle charging and grocery stores

  • 2% cash back on transportation, dining and recurring payments

  • High annual spending cap on benefits ($20,000 in bonus categories or $80,000 total)

Cons

  • High income requirement

  • Sparse travel insurance offering

Eligibility

Recommended Credit Score

Good

Required Annual Personal Income

$60,000†

Required Annual Household Income

$100,000†

Pros

  • First-year annual fee rebate

  • 10% cash back welcome bonus up to $3,000 spend

  • 4% cash back on gas, electric vehicle charging and grocery stores

  • 2% cash back on transportation, dining and recurring payments

  • High annual spending cap on benefits ($20,000 in bonus categories or $80,000 total)

Cons

  • High income requirement

  • Sparse travel insurance offering

Eligibility

Recommended Credit Score

Good

Required Annual Personal Income

$60,000†

Required Annual Household Income

$100,000†

cash back on eligible gas, EV charging, and grocery purchases.†

4%

cash back on eligible transportation, dining purchases and recurring payments†

2%

cash back on all other purchases†

1%

save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†

10 cents

Purchase APR

20.99%†

Balance Transfer Rate

22.99%†

Cash Advance APR

22.99%†

Annual Fee

$120

For the more “set it and forget it” kind of pair, the CIBC Dividend Visa Infinite Card is one of the better cash back options out there. First year rebated. Each additional card is $30 per year, max 3. After that, it’s $120.00 annually. There’s also a welcome bonus:  Get a first-year annual fee rebate for you and up to three Authorized Users† and earn 10% cash back for the first 4 statements on net purchases of up to $3,000†. Then it’s 4.00% cash back on groceries and gas, 2.00% on dining and recurring payments and 1.00% on everything else.

For a daily driver, this one’s hard to beat.

  • †Terms and Conditions Apply. This offer is not available for the residents of Quebec.
  • The information for the CIBC Dividend® Visa Infinite* Card has been collected independently by Money.ca. The card details on this page have not been reviewed or provided by the card issuer.

Best couples credit card: Dining out

American Express Cobalt® Card

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4.9

15,000 pts

Welcome offer

Fair

Suggested credit score

Earn up to 15,000 Membership Rewards® points

Apply now

Pros

  • High earn rates (up to 5% return on spending!)

  • Flexible month-by-month fee structure

  • Free supplementary cards

  • 1:1 points transfer with selected hotels, airlines and frequent flyer programs

Cons

  • Accelerated earn rates only apply to purchases in Canada (not to purchases made abroad)

  • Amex has a more limited merchant acceptance rate than Visa and Mastercard

  • Slightly higher than average annual fee

Eligibility

Recommended Credit Score

Fair

Required Annual Personal Income

$0

Required Annual Household Income

$0

Pros

  • High earn rates (up to 5% return on spending!)

  • Flexible month-by-month fee structure

  • Free supplementary cards

  • 1:1 points transfer with selected hotels, airlines and frequent flyer programs

Cons

  • Accelerated earn rates only apply to purchases in Canada (not to purchases made abroad)

  • Amex has a more limited merchant acceptance rate than Visa and Mastercard

  • Slightly higher than average annual fee

Eligibility

Recommended Credit Score

Fair

Required Annual Personal Income

$0

Required Annual Household Income

$0

Earn 5 times the points on eligible eats and drinks in Canada, including groceries and food delivery. Spend cap applies.

5x

Earn 3 times the points on eligible streaming subscriptions in Canada.

3x

Get 2 times the points on eligible ride shares, transit & gas in Canada.

2x

Earn 1 additional point on eligible hotel and car rental bookings via American Express Travel Online

1x

Earn 1 point for every $1 in Card purchases everywhere else

1x

Get up to $100 USD hotel credit to use on amenities when charged to the room for a stay of 2 or more consecutive nights through The Hotel Collection from American Express Travel.

$100 USD

Purchase APR

21.99%

Cash Advance APR

21.99%

Annual Fee

$155.88

Foreign Transaction Fee

2.50%

You’re young, you’re hip, you’re definitely not married. But you are with someone special enough that you want to share a credit card, and you want to dine out together while reaping the rewards.

There’s exactly one card that shines here more than any other and that’s the Amex Cobalt.

You pay $12.99/month for it, but that gets you an additional card for free and 5.00x points on restaurants and food delivery. And that’s not including the bonus points you get for spending in the first year. For the food fans, this is the joint card for you.

  •  Contact American Express for the most up-to-date referral bonus figures.

    American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.

Best couples credit card: Travelling

Scotiabank Passport® Visa Infinite* Card 

Apply now

4.3

up to 35K pts

Welcome offer

Excellent

Suggested credit score

Earn up to $1,100* in value in the first 12 months, including up to 35,000 bonus Scene+ points

Expires

Nov 1, 2024

Apply now

Pros

  • No FX fees means the card saves you significant expenses on foreign transaction fees

  • Earn up to 3x Scene+ points per $1 spent on eligible purchases

  • Flexible and straightforward redemption program

  • Visa acceptance globally compared to American Express, especially outside major cities.

  • Enjoy six annual visits to airport lounges

  • Robust insurance offerings, including extended travel emergency medical coverage

  • Access to Visa Infinite Program benefits, with added advantages like a free supplementary card

Cons

  • High annual fee

  • Limited rewards categories for earning reward max rate on purchases

  • Primarily best for travel within Canada

Eligibility

Recommended Credit Score

Excellent

Required Annual Personal Income

$60,000

Required Annual Household Income

$100,000

Pros

  • No FX fees means the card saves you significant expenses on foreign transaction fees

  • Earn up to 3x Scene+ points per $1 spent on eligible purchases

  • Flexible and straightforward redemption program

  • Visa acceptance globally compared to American Express, especially outside major cities.

  • Enjoy six annual visits to airport lounges

  • Robust insurance offerings, including extended travel emergency medical coverage

  • Access to Visa Infinite Program benefits, with added advantages like a free supplementary card

Cons

  • High annual fee

  • Limited rewards categories for earning reward max rate on purchases

  • Primarily best for travel within Canada

Eligibility

Recommended Credit Score

Excellent

Required Annual Personal Income

$60,000

Required Annual Household Income

$100,000

Scene+ points¹ on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more

3x

Scene+ points¹ for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including ride shares, buses, subways, taxis and more)

2x

Scene+ point for every $1 spent on all other eligible everyday purchases

1x

Purchase APR

20.99%

Balance Transfer Rate

22.99%

Cash Advance APR

22.99%

Annual Fee

$150

Foreign Transaction Fee

0.00%

For couples looking to travel, the Scotiabank Passport Visa Infinite is worth considering.

First perk: it’s one of the few cards in Canada that doesn’t charge a fee for a supplementary card and you get the full range of perks (First supplementary Card is $0/year ($50/year on each additional Card)). For its $150.00 annual fee, you get a decent welcome bonus, and an ongoing Scene points bonus every year you spend enough on it (easier to do with two people, details in the box below). And as for the travel perks, it’s got comprehensive travel insurance, 0.00% FX fees and 6 lounge passes a year. Not too shabby! 

  • Welcome bonus (and ongoing bonus) details

    +

    To qualify for these offers, make sure to open a new Scotiabank Passport Visa Infinite credit card account (“Account”) by October 31, 2024.

    To qualify for the 35,000 bonus Scene+ points:

    1. Earn 25,000 bonus Scene+ points by making at least $1,000 in everyday eligible purchases in your first 3 months.
    2. Plus, as a Scotiabank Passport Visa Infinite cardholder, you are eligible to earn an annual 10,000 Scene+ point bonus when you spend at least $40,000 in everyday eligible purchases annually. 
    Once you qualify, we’ll credit your account in 2 instalments:

    1. 25,000 bonus Scene+ points will be credited to the applicable  Scene+ membership account within approximately 2-3 business days after the qualifying $1,000 in eligible purchases being posted to your Account within the first 3 months of Account opening.  
    2. Annual 10,000 bonus Scene+ points will be credited to your Scene+ membership account within approximately 2-3 business days after you have met the $40,000 annual spend threshold. 

    Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the 25,000 bonus points offer. All cardholders remain eligible to earn an annual 10,000 Scene+ point bonus with an annual spend of at least $40,000.

    See terms and conditions below‡ for full details.

  • ¹ Conditions Apply. Visit here for the Scotiabank Passport® Visa Infinite* Card to learn more.

    *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

Best credit card for married couples: Travel

American Express Aeroplan Reserve

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5.0

85,000

Welcome offer

Good

Suggested credit score

New American Express® Aeroplan®* Reserve Cardmembers can earn up to 85,000 Aeroplan points.

Apply now

Pros

  • Generous signup bonus where you can earn up to 85,000 Aeroplan points

  • High earn rates on Air Canada, dining, and food delivery

  • Extensive travel perks like priority check-in, boarding, and free first checked bag on Air Canada flights

  • Complimentary access to select Air Canada Maple Leaf Lounges within North America

  • Toronto Pearson Airport benefits including priority security, complimentary valet parking, and discounts on parking and car care services

  • Annual worldwide companion pass at a fixed base fare between $99 and $599 CAD (plus taxes and fees)

  • $100 NEXUS statement credit every 4 years

  • Robust insurance coverage including emergency medical

  • Access to Amex Experiences such as VIP parties and movie premieres

  • No minimum income requirement

Cons

  • High annual fee of $599

  • Lower acceptance when compared to Visa and Mastercard

  • High spending to unlock signup bonus

  • Limited high-earning categories

  • 2.5% foreign transaction fee

  • Priority perks limited to Air Canada flights

Eligibility

Recommended Credit Score

Good

Required Annual Personal Income

$0

Required Annual Household Income

$0

Pros

  • Generous signup bonus where you can earn up to 85,000 Aeroplan points

  • High earn rates on Air Canada, dining, and food delivery

  • Extensive travel perks like priority check-in, boarding, and free first checked bag on Air Canada flights

  • Complimentary access to select Air Canada Maple Leaf Lounges within North America

  • Toronto Pearson Airport benefits including priority security, complimentary valet parking, and discounts on parking and car care services

  • Annual worldwide companion pass at a fixed base fare between $99 and $599 CAD (plus taxes and fees)

  • $100 NEXUS statement credit every 4 years

  • Robust insurance coverage including emergency medical

  • Access to Amex Experiences such as VIP parties and movie premieres

  • No minimum income requirement

Cons

  • High annual fee of $599

  • Lower acceptance when compared to Visa and Mastercard

  • High spending to unlock signup bonus

  • Limited high-earning categories

  • 2.5% foreign transaction fee

  • Priority perks limited to Air Canada flights

Eligibility

Recommended Credit Score

Good

Required Annual Personal Income

$0

Required Annual Household Income

$0

the points on eligible purchases made directly with Air Canada®* and Air Canada Vacations®*

3X

the points on eligible Dining and Food Delivery purchases in Canada

2X

the points on everything else

1.25X

Purchase APR

21.99%

Cash Advance APR

21.99%

Annual Fee

$599

Foreign Transaction Fee

2.50%

Serious (married) couples deserve a serious travel card.

And if the Amex Platinum is a little steep for your comfort, consider the Amex Aeroplan Reserve. It’s got a BIG welcome bonus of up to 60,000 points Aeroplan points (and more in year two), plus lUnlimited access to Maple Leaf Lounges, fourth night free on hotels when you redeem with Aeroplan points, priority airport check in, priority boarding – and let’s not forget the sweet metal card.

It comes at a cost though… $599.00 annually to be exact. And for an additional card you’ll be looking at a $199 fee – but honestly, I’d consider just attaching the optional no-fee version of the additional card. You don’t get all the perks, but if you’re travelling as a couple and one of you has the Aeroplan Reserve you can enjoy the lounge access which allows for a guest from the main card anyway.

  • Full welcome bonus details

    +

    Earn 60,000 Aeroplan®* points* after spending $7,500 on your Card within the first 3 months as a new American Express® Aeroplan®* Reserve Cardmember.*

    Plus, earn 25,000 Aeroplan®* points* when you spend $2,500 in month 13.*

    *Current or former Cardmembers with this Card are not eligible for these offers. Other terms apply

  • Contact American Express for the most up-to-date referral bonus figures.

    American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.

Best credit card for married couples: Cash back

Scotiabank Momentum® Visa Infinite

Apply now

5.0

10% back

Welcome offer

Excellent

Suggested credit score

Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). No annual fee in the first year, including on additional cards.

Apply now

Pros

  • High earn rate on everyday spending categories

  • Comprehensive travel and purchase insurance

  • Visa Infinite perks such as concierge, events, and special offers

  • 25% Car rental discounts at Avis and Budget

  • Mobile device insurance

  • Up to $200 welcome bonus

Cons

  • Income requirements are higher: $60k personal or 100k household

  • Cash back can only be redeemed once a year

Eligibility

Recommended Credit Score

Excellent

Required Annual Personal Income

$60,000

Required Annual Household Income

$100,000

Pros

  • High earn rate on everyday spending categories

  • Comprehensive travel and purchase insurance

  • Visa Infinite perks such as concierge, events, and special offers

  • 25% Car rental discounts at Avis and Budget

  • Mobile device insurance

  • Up to $200 welcome bonus

Cons

  • Income requirements are higher: $60k personal or 100k household

  • Cash back can only be redeemed once a year

Eligibility

Recommended Credit Score

Excellent

Required Annual Personal Income

$60,000

Required Annual Household Income

$100,000

For every $1 you spend on grocery store purchases, recurring bill payments and subscription purchases

4%

For every $1 you spend on gas and daily transit purchases

2%

Cash back on all other purchases with no cash back limit

1%

Purchase APR

20.99%

Balance Transfer Rate

22.99%

Cash Advance APR

22.99%

Annual Fee

$120

Foreign Transaction Fee

2.50%

Since I already mentioned the CIBC Dividend up top, I’ll give a shout out to the Scotia Momentum Visa Infinite down here.

It’s nearly as good, and if you’re a Scotiabank diehard, it might be preferable.

You get 4.00% cashback on groceries and recurring payments, 2.00% on gas and transit and 1.00% on everything else. As for the welcome bonus: Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).1 Plus, no annual fee in the first year, including on additional cards.1 After that you’ll be paying $120.00 annually. So far the same as the CIBC Dividend – but the one catch is that the Scotia Momentum charges $$50 per supplementary card (after the first year). Achilles heel? I’ll let you be the judge.

  • Welcome bonus details

    +

    1. To qualify for these offers make sure to open a new Scotia Momentum® Visa Infinite* credit card account by October 31, 2024.
    2. To earn 10% cash back, make sure to use your new card to make everyday eligible purchases and earn 10% cash back on the first $2,000 you spend in your first 3 months from account opening.
    Once you qualify, we’ll credit your account in 2 instalments:

    1. Bonus Cash Back: The amount earned under the Cash Back Bonus Rate will be credited to your Account within approximately 7 months from the account open date; and
    2. Regular Cash Back: The amount earned under your regular Cash Back Program Rate will be credited to your Account according to the regular cash back payment schedule as set out under the Program (i.e., November).
    Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for these offers.

    See terms and conditions below1 for full details.


  • Conditions Apply. Visit here for the Scotia Momentum® Visa Infinite* Card to learn more.

Best credit card for roommates: Cash back on shared expenses

Tangerine Money-Back Credit Card

Apply now

4.0

10% back

Welcome offer

Good

Suggested credit score

Get 10% cash back on up to $1,000 in everyday purchases made within 2 months. Pay only 1.95% balance transfer interest for the first 6 months.

Expires

Nov 1, 2024

Apply now

Pros

  • No annual fee

  • Choose the spending categories where you want to earn the most cash back

  • Unlimited cash back—no maximum spending limit for any purchase category

  • Cash back is paid out monthly rather than annually

  • Periodically includes a special welcome offer where you can get extra cash back

  • 1.95% interest on balance transfers for the first 6 months (1% transfer fee applies)*

Cons

  • Regular cash back rates are still lower than what you can get from a card with an annual fee

  • Limited extra perks or benefits beyond the cash back and balance transfer promotion

  • Generally not a good fit for shopping at warehouse clubs or wholesale grocers like Costco or Walmart

  • Tangerine does not have any physical bank branches

Eligibility

Recommended Credit Score

Good

Required Annual Personal Income

$12,000

Pros

  • No annual fee

  • Choose the spending categories where you want to earn the most cash back

  • Unlimited cash back—no maximum spending limit for any purchase category

  • Cash back is paid out monthly rather than annually

  • Periodically includes a special welcome offer where you can get extra cash back

  • 1.95% interest on balance transfers for the first 6 months (1% transfer fee applies)*

Cons

  • Regular cash back rates are still lower than what you can get from a card with an annual fee

  • Limited extra perks or benefits beyond the cash back and balance transfer promotion

  • Generally not a good fit for shopping at warehouse clubs or wholesale grocers like Costco or Walmart

  • Tangerine does not have any physical bank branches

Eligibility

Recommended Credit Score

Good

Required Annual Personal Income

$12,000

Earn 2% cash back on 2 categories of your choice (e.g. groceries, recurring bills, gas, drug stores, etc.)

2%

Get a Tangerine Savings account and add a 3rd 2% cash back category.

3

Earn 0.50% on all your other everyday purchases.

0.5%

Variable APR

19.95% - 24.95%

Balance Transfer Rate

1.95%

Cash Advance APR

19.95%

Annual Fee

$0

Foreign Transaction Fee

2.50%

Tangerine wins this category by a landslide with their Money Back Mastercard. You’ve got roommates, cool – that means you’re prioritizing saving money. So you’re going to love the fact that the Money Back card has no fees – and that’s for up to FIVE additional card holders ($0 for additional cardholders).

It offers 2.00% cash back in two categories (choose groceries – you can buy beer at the grocery store now) and 0.50% on everything else. That money gets deposited as cash into your free Tangerine savings account, so you and the roomies can spring for something nice at the end of every month.

How does a joint credit card work?

I won’t blame you if you’re a bit confused by the “joint” in all this. In short, most (but not all) credit cards offer a “supplementary” or “additional” card which is attached to yours.

In the vast majority of cases, this additional card will have all the perks associated with the primary card. The exception to this (like with the Aeroplan Reserve) are the no-fee supplementary cards. These allow you to spend onto the main card (which is great for making minimum spend for bonuses) but doesn’t privilege you with the rest of the perks, insurance coverage, etc.

Finally, there’s a very small list of cards that offer no-fee supplementary cards that act just like the main card. These are few and far between, so make sure you read the fine print before signing up. In addition to the aforementioned CIBC and Amex Cobalt cards, which have free supplementary cards, there’s also the Scotiabank Passport Visa Infinite Card, RBC Cash Back Preferred World Elite Mastercard and the Vancity enviro Visa Infinite Card.

The benefits and drawbacks of a joint credit card

The benefits of a joint card are clear – two people spending on one card makes it easier to collect bonuses, earn cashback and track expenses. And if the supplementary card is cheaper (or even free) than applying for a separate card, it’s a win, win, win.

But from time to time the supplementary card is expensive, or doesn’t offer all the same perks. And some credit cards offer sweet deals, but no supplementary cards at all. Which means if you’re committed to the joint lifestyle, you might be depriving yourself of good deals.

And not to get, you know, overly intimate with the conversation on credit cards, but there is the hassle of dealing with a breakup and sorting out getting a new credit card. Not to mention sharing a card means you’re only contributing to the credit score of the person whose name it’s in (which gets potentially frightening if you’re sharing it with a roommate whose debt-management habits leave something to be desired).

Basically, adding another person or people to your card means more variables that are tied to your credit – something not everyone feels comfortable with.

Cameron Smonk Freelance Writer

Cam is a content marketer with a passion for saving, financial independence, and pulling off elaborate credit card point schemes. He has worked in Fintech and Finserve (specifically Group Retirement) and loves researching and writing about finance.

Christine Smonk Freelance writer

After years as a product manager at TD Bank and Ratehub.ca, Christine now expresses herself with words, especially in credit cards and personal finance.

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