Best Rewards Cards for Couples
Couples often share financial goals and responsibilities, making it essential to choose rewards cards that benefit both partners. When selecting the best rewards cards for couples, it’s critical to consider their spending habits, lifestyle, and travel aspirations. Below are some of the top options available, categorized based on their unique benefits and features.
1. Chase Sapphire Preferred® Card
The Chase Sapphire Preferred is often considered one of the best travel rewards cards. Couples who enjoy traveling will appreciate its generous bonus offers and flexible redemption options.
- Annual Fee: $95
- Sign-up Bonus: Earn 2x points on dining and travel, and 1x point on all other purchases. Additionally, earn 100,000 bonus points after spending $4,000 in the first three months.
- Benefits: Points transfer to numerous travel partners at a 1:1 ratio, making them highly valuable for flight and hotel bookings. Couples can use these points to maximize their travel experiences.
2. American Express® Gold Card
The American Express Gold Card is an excellent choice for couples who dine out frequently or enjoy grocery shopping together.
- Annual Fee: $250
- Rewards Structure: Earn 4x points at restaurants, including takeout and delivery, and 3x points on flights booked directly with airlines or on amextravel.com.
- Sign-up Bonus: Earn 60,000 Membership Rewards points after spending $4,000 on purchases during the first six months.
- Dining Credits: Up to $120 in dining credits, which can be used at select restaurants and food delivery services, can help couples save on dining experiences.
3. Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Card is perfect for couples who travel frequently without worrying about complicated point systems.
- Annual Fee: $95
- Rewards Structure: Earn 2x miles on every purchase, making it easy for couples to rack up miles without having to strategize.
- Sign-up Bonus: Receive 60,000 bonus miles after spending $3,000 on purchases within the first three months.
- Travel Benefits: Travel miles can be redeemed as a statement credit against travel purchases, providing flexibility in how couples use their rewards.
4. Citi® Double Cash Card
The Citi Double Cash Card is ideal for couples looking for straightforward cash back rewards without the hassle of selecting bonus categories.
- Annual Fee: $0
- Rewards Structure: Earn 2% cash back on every purchase—1% when you buy and an additional 1% as you pay off your balance.
- Simplicity: There are no rotating categories to worry about, making it easier for couples to enjoy consistent rewards on regular spendings, like groceries or utility bills.
5. Discover it® Cash Back
For couples who wish to maximize cash back rewards, the Discover it Cash Back card offers rotating categories that change each quarter.
- Annual Fee: $0
- Cash Back Structure: Earn 5% cash back on up to $1,500 in purchases in categories that rotate each quarter, and 1% on all other purchases.
- Unique Feature: Discover matches all cash back earned in the first year, allowing couples to double their rewards during that timeframe.
6. Hilton Honors American Express Aspire Card
Couples who prefer luxurious hotel stays might find the Hilton Honors Aspire Card appealing for its extensive rewards benefits.
- Annual Fee: $450
- Rewards Structure: Earn 14x points at Hilton hotels, 7x points on flights booked directly with airlines, and 3x points on all other purchases.
- Sign-up Bonus: Earn 150,000 bonus points after spending $4,000 in the first three months.
- Annual Free Night Reward: Couples receive an annual free weekend night after renewal, which significantly enhances their travel experiences without extra cost.
7. Southwest Rapid Rewards® Priority Credit Card
Traveling couples who wish to earn points toward free flights might benefit from the Southwest Rapid Rewards Priority Card, especially if they fly with Southwest Airlines.
- Annual Fee: $149
- Rewards Structure: Earn 2 points on Southwest purchases and 1 point on other purchases.
- Sign-up Bonus: Earn 40,000 points after spending $1,000 in the first three months.
- Travel Perks: Cardholders receive 1,500 Tier Qualifying Points per $10,000 spent on the card, which can help reach elite status faster.
8. Marriott Bonvoy Boundless™ Credit Card
For couples who enjoy staying at Marriott hotels, this card provides an excellent opportunity to earn rewards for hotel stays.
- Annual Fee: $95
- Rewards Structure: Earn 6x points on Marriott purchases and 2x points on all other purchases.
- Sign-up Bonus: Earn 100,000 bonus points after spending $3,000 in the first three months, convertible into several free nights at Marriott properties.
- Free Night Award: Receive one free night at a hotel with a redemption level of up to 35,000 points each year after the cardholder’s account anniversary.
9. Blue Cash Preferred® Card from American Express
Couples who spend significantly on groceries and home improvements will love the Blue Cash Preferred Card.
- Annual Fee: $95 (waived for the first year)
- Cash Back Structure: Earn 6% cash back on groceries (up to $6,000 per year), 3% on transit, and 1% on all other purchases.
- Sign-up Bonus: Earn $300 in statement credits after spending $3,000 in purchases within the first six months.
- Family-friendly Benefit: This card’s grocery rewards are excellent for couples planning family meals, parties, or entertaining guests.
10. United Explorer Card
For couples who travel frequently with United Airlines, the United Explorer Card provides exceptional travel benefits.
- Annual Fee: $95 (waived the first year)
- Rewards Structure: Earn 2x miles on United purchases and 1x mile on all others.
- Sign-up Bonus: Earn 60,000 bonus miles after spending $3,000 in the first three months.
- Travel Perks: Includes priority boarding, two one-time pass admissions to United Club, and no foreign transaction fees, making international travels more comfortable.
Choosing the best rewards cards for couples requires evaluating shared financial goals and lifestyle choices. These selections cater to various preferences, whether you enjoy dining out, traveling, or earning cash back on everyday purchases. Each card offers unique benefits, allowing couples to optimize their spending into valuable rewards.
