Best Credit Cards for Couples of March 2025

You earn 5 points per $1 spent on all travel booked through Chase; 3 points per dollar on dining, on select streaming services, and on online grocery purchases (not including Target, Walmart and wholesale clubs); 2 points per dollar on travel not purchased through Chase; and 1 point per dollar on other purchases. Points are worth 1.25 cents apiece when you use them to book travel via Chase, or you can transfer them to about a dozen airline or hotel partners, including United, Southwest and Marriott. The bonus offer is outstanding, too.

There's a $95 annual fee. That's on par with other cards in its class, but some consumers draw the line at paying an annual fee on a credit card.

You earn unlimited 3% cash back at restaurants, at grocery stores, on select streaming subscriptions and on a long list of entertainment, including movies, plays, concerts, sporting events, tourist attractions, theme parks, aquariums, zoos, dance clubs and more. Purchases through Capital One Entertainment earn 8%. Enjoy a great bonus offer and even an introductory APR promotion, for a $0 annual fee.

If you're a one-card kind of couple rather than people with a card for every occasion, you might get more value from a card that pays 1.5% or 2% cash back on every purchase.

You earn unlimited 2% cash back on every purchase, with a $0 annual fee. New cardholders get this offer: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. And you get a 0% intro APR on Purchases for 12 months and 0% intro APR on Balance Transfers 12 months from account opening on qualifying balance transfers, and then the ongoing APR of 19.24%, 24.24%, or 29.24% Variable APR.

There isn't much to dislike here. But if you spend a lot in specific categories that earn 3%, 5% or more on other cards, you could be shortchanging yourself if this is the only one you use.

You'll earn 6% cash back at U.S. supermarkets, on up to $6,000 a year in spending (then 1%); 6% cash back on select U.S. streaming subscriptions; 3% cash back at U.S. gas stations and on transit (including such things as taxis, rideshares, parking, tolls, trains and buses); and 1% cash back on all other purchases. There's a great welcome offer for new cardholders and a nice 0% intro APR period, too. Terms apply.

Unlike with most cards on this list, there's an annual fee: $0 intro annual fee for the first year, then $95. You can easily make it back, however, with regular spending in the bonus categories.

You earn 5% cash back on up to $1,500 in spending per quarter in quarterly categories that you activate (see current categories below). you also get 5% cash back on travel booked through Chase; 3% cash back on dining, including takeout and delivery services; 3% at drugstores; and 1% on all other purchases. Topping it off is a good bonus offer and a solid introductory APR deal.

Tracking multiple bonus categories, including some that change every quarter, takes a little headspace, and activating categories can be a hassle.

You earn 3% cash back in a category you choose (from a list of six) and 2% back at grocery stores and wholesale clubs, on up to $2,500 in combined spending per quarter in these categories. Other spending earns 1%. The 3% categories include “home improvement and furnishings,” which has a broad definition that includes contractors and home services, not just store purchases. You can change your 3% category monthly. With a good bonus offer and a lengthy 0% intro APR period, this card is well-suited to financing a major project.

The rewards structure is somewhat complicated. The amount of spending eligible for the 3% rewards is capped, so on bigger projects you might earn a greater return on a card with unlimited 1.5% or 2% cash back.

In addition to 6% back on up to $1,500 a quarter in combined spending at your two chosen retailers, you earn 3% on up to $1,500 per quarter spent in an "everyday" category like gas, wholesale clubs or bills and utilities. All other purchases earn 1.5% — a major edge over other cards that pay only 1% on non-bonus-category spending. There's a solid bonus offer, too.

The card charges an annual fee, although $31 a week in spending at your chosen retailers will return enough cash back to offset it. The rewards structure requires a bit of work, since it's on you to lock in your 6% and 3% options each quarter.

You get a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, and then the ongoing APR of 17.24%, 23.74%, or 28.99% Variable APR.

This card has no rewards and its ongoing APR can be fairly high, so there's limited value beyond the intro APR period.

You earn 3 miles per dollar spent with Delta Air Lines and 1 mile per dollar on other spending. But the true value of this card lies in the perks. Among them: Access to Delta Sky Clubs (up to 15 complimentary visits annually, or an unlimited amount of visits if you spend $75,000 or more with the card in a calendar year) and American Express Centurion Lounges; an annual companion certificate upon renewal that's good even in first class; first checked bag free for up to nine people on a reservation; reimbursement for an application fee for TSA PreCheck or Global Entry; and more. Terms apply. Plus, a great welcome offer.

All those perks don't come cheap. The annual fee is $650. That's still less than the cost of a stand-alone Delta lounge membership, however.

This card earns 1 Bilt Point per dollar spent on rent (up to 100,000 points annually). That might not seem like a jaw-dropping rate, but consider that in most cases, you either can't use a credit card for rent at all, or you can't do so without paying an extra transaction fee that more than wipes out the value of your rewards. The card also earns 3X points at restaurants, 2X on travel, 5X on Lyft (when you link your accounts) and 1X elsewhere. Those rewards rates, except for rent, are doubled for purchases on the first day of every month ("rent day"). Among redemption options: credit toward rent or a home down payment, and travel, including options to transfer them to airline and hotel partners.

You must use the card at least five times during a statement period to earn most rewards (you will still earn 250 points on rent). There's no sign-up bonus. If the manager of your property requires that you pay rent by check rather than through an online portal, you can still earn rewards, but Bilt needs to send a check on your behalf.