![]() For example, many couples have one primary Amex Platinum card in the family while the spouse (and potentially parents, kids, etc.) has an authorized user card that confers many of the same perks but only costs $175 a year for up to three users, instead of paying the full $695 annual fee ( see rates and fees) all over again. While some cards extend most of the primary cardholder’s benefits to authorized users, others don’t offer many benefits to authorized users. Is adding an authorized user or applying for a second card better? Some cards allow you to add authorized users for free, while others charge a fee.If there’s a fee to add an authorized user, you may want to load their card in your mobile wallet and tap to pay whenever possible. Are you mainly interested in the bonus earning categories? If so, you may want to add your partner as an authorized user.For example, some airline credit cards offer a checked baggage benefit you can share with others but a lounge benefit available only to the primary cardholder. For these cards, consider whether you and your partner can share the benefits. Can the cardholder benefits be shared? Many of the best rewards credit cards offer valuable perks.After all, CardMatch offers are only available for a limited time and can change at any time. In this case, you may both want to apply if you can each reach the minimum spending requirements to obtain the bonus. For example, suppose you and your partner both checked the CardMatch Tool and found targeted 125,000-point offers for The Platinum Card® from American Express. But limited-time offers may disappear as soon as you leave the page. Is the sign-up bonus or welcome offer exceptional? Some offers remain pretty consistent for years on end.Likewise, even if you generally manage your finances jointly, having one or two separate cards can be nice for purchasing surprise gifts. However, even if you manage your finances separately, you may want one or two shared credit card accounts for shared expenses. Do you manage your finances jointly or separately? Couples who manage their finances separately will generally want separate credit card accounts.To answer this question, consider the following aspects: That said, these are some of the most common questions couples ask about maximizing credit card rewards: Should we each sign up for the same card? After all, each couple has their own travel goals, credit scores and financial management strategies. Maximizing rewards will look different for each couple. Related: Credit cards with the greatest value for authorized users Best credit card strategies for couples to maximize rewards The Points Guy will not share or sell your email. ![]() I would like to subscribe to The Points Guy newsletters and special email promotions. However, depending on your card's benefits, they may enjoy certain perks. Authorized users can make purchases on the account, but they generally can’t fully manage the account, make changes to the account or redeem rewards. Primary account holders can make their partner (or anyone else) an authorized user on their account. So if you and your partner manage your finances jointly, you may be able to include their income on your credit card application. However, you can include all household income to which you have access when applying for a new card. Related: How to check your credit score for free And you’ll be approved or denied for a card based on your credit score and history, independent of your partner’s credit score and history. Specifically, as long as you’re an adult, you can apply for a credit card - regardless of whether your spouse or partner has the same card. When deciding whether to approve you for a card, credit card issuers don’t care whether you’re married. ![]() Today, I’ll discuss several credit card strategies you and your partner can use to leverage your credit and your two-player relationship. However, you may have questions about managing and maximizing credit cards as a couple. Luckily, couples have twice the opportunity to earn rewards from travel credit cards. After all, even if the lodging costs are the same, you’ll still need double the airline miles to get there. When you travel as a couple, simple math shows you’ll need more points and miles than when traveling solo. Editor’s note: This is a recurring post, regularly updated with new information and offers.
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