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Our picks for best joint credit cards in Canada
A great joint credit card can help you manage shared expenses and streamline your family finances while building credit together.
Looking to fund the best joint credit card in Canada? Whether you want to build credit, finance a home upgrade project, or earn travel rewards towards your next dream vacation, we've carefully reviewed and hand-selected the best joint card options.
Best joint credit card Canada overall 🥇
up to 100,000 points
Welcome Bonus
$471
First Year Value
$0
Annual Value
Welcome Bonus: Earn up to 100,000 Membership Rewards® points* - that’s up to $1,000 towards a weekend away.
Get this card if you...
- are a frequent traveler who wants luxury perks like lounge access
- want to rack up rewards quickly
- want great travel insurance, perks and concierge services
Annual Fee & Annual Interest Rates
$799
Annual Fee
21.99% - 29.99%
Purchase
Our Take
The American Express Platinum Card® is a premium travel rewards credit card offering elevated Membership Rewards® points on eligible purchases, with a substantial welcome bonus for new cardholders. Cardholders enjoy exclusive benefits such as access to over 1,400 airport lounges worldwide† through the American Express Global Lounge Collection™, comprehensive travel insurance, and personalized concierge services.
Eligibility
Excellent (740+)
Recommended Credit Score
Pros
- Access to a wide range of luxury perks, including premium concierge service
- Complimentary lounge membership providing access to over 1,400+ airport lounges worldwide†
- Annual statement credits: $200 annual travel credit, $200 annual dining 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
Annual Interest Rates
21.99% - 29.99%
Purchase
30%
Penalty
Fees
$799
Annual Fee
2.50%
Foreign Transaction
$45
Return Penalty
Rewards Membership Rewards
2x
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
1x
point for every $1 in all other Card purchases
1
additional point on Amex Travel Online for eligible hotel or car rental bookings
Insurance Benefits
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn up to 100,000 Membership Rewards® points - that’s up to $1,000 towards a weekend away! Here's how:
New Platinum® Cardmembers, earn 70,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership
Plus, earn 30,000 points when you make a purchase between 15 and 17 months of Cardmembership
Terms and Conditions Apply.
Our Take
The American Express Platinum Card® is a premium travel rewards credit card offering elevated Membership Rewards® points on eligible purchases, with a substantial welcome bonus for new cardholders. Cardholders enjoy exclusive benefits such as access to over 1,400 airport lounges worldwide† through the American Express Global Lounge Collection™, comprehensive travel insurance, and personalized concierge services.
Eligibility
Excellent (740+)
Recommended Credit Score
Pros
- Access to a wide range of luxury perks, including premium concierge service
- Complimentary lounge membership providing access to over 1,400+ airport lounges worldwide†
- Annual statement credits: $200 annual travel credit, $200 annual dining 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
Annual Interest Rates
21.99% - 29.99%
Purchase
30%
Penalty
Fees
$799
Annual Fee
2.50%
Foreign Transaction
$45
Return Penalty
Rewards Membership Rewards
2x
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
1x
point for every $1 in all other Card purchases
1
additional point on Amex Travel Online for eligible hotel or car rental bookings
Insurance Benefits
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn up to 100,000 Membership Rewards® points - that’s up to $1,000 towards a weekend away! Here's how:
New Platinum® Cardmembers, earn 70,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership
Plus, earn 30,000 points when you make a purchase between 15 and 17 months of Cardmembership
Terms and Conditions Apply.
Remember those two types of people I mentioned? Well, let’s start with talking about the first kind. The best joint credit account is also realistically one of the best credit cards – and the most expensive.
That would be The Platinum Card®. Towering high annual fee, huge minimum spend for the bonus – all ameliorated when the cost is split between two people. It’s $799 (Supplementary Platinum Cards: $250 each), but realistically you could get one and share it – the perks, bonuses and credits all make it worthwhile.
Disclosures:
-
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.
Runner up: Best joint credit card 🥈
10% cash back†
Welcome Bonus
$878
First Year Value
$558
Annual Value
Welcome Bonus: Earn 10% cash back for the first 4 statements on net purchases of up to $2,000.† Plus, get a first-year annual fee rebate for you and up to three Authorized Users.†
Get this card if you...
- want high cash back rates on groceries, gas and recurring bills
- value comprehensive insurance benefits
- value a great welcome offer
Annual Fee & Annual Interest Rates
$120
Annual Fee
20.99%†
Purchase
22.99%†
Cash Advance
22.99%†
Balance Transfer
Our Take
The CIBC Dividend® Visa Infinite* Card is a cash back credit card offering elevated earn rates on categories such as groceries, gas, transportation, dining, and recurring payments. Cardholders benefit from features like purchase security, extended protection, and optional insurance coverages. It's a good option for those seeking to maximize cash back on everyday spending.
Eligibility
Good (620 - 670)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
- First-year annual fee rebate†
- 10% cash back welcome bonus up to $2,000† 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
Annual Interest Rates
20.99%†
Purchase
22.99%†
Cash Advance
22.99%†
Balance Transfer
25.99%†
Penalty
Fees
$120
Annual Fee
2.50%†
Foreign Transaction
$29
Over The Limit Penalty
$42.5
Return Penalty
Rewards cash back
4%
cash back on eligible gas, EV charging, and grocery purchases.†
2%
cash back on eligible transportation, dining purchases and recurring payments†
1%
cash back on all other purchases†
10 cents
save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
Insurance Benefits
$1,000
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$65,000
Rental car insurance amount
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 $2,000†.
Our Take
The CIBC Dividend® Visa Infinite* Card is a cash back credit card offering elevated earn rates on categories such as groceries, gas, transportation, dining, and recurring payments. Cardholders benefit from features like purchase security, extended protection, and optional insurance coverages. It's a good option for those seeking to maximize cash back on everyday spending.
Eligibility
Good (620 - 670)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
- First-year annual fee rebate†
- 10% cash back welcome bonus up to $2,000† 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
Annual Interest Rates
20.99%†
Purchase
22.99%†
Cash Advance
22.99%†
Balance Transfer
25.99%†
Penalty
Fees
$120
Annual Fee
2.50%†
Foreign Transaction
$29
Over The Limit Penalty
$42.5
Return Penalty
Rewards cash back
4%
cash back on eligible gas, EV charging, and grocery purchases.†
2%
cash back on eligible transportation, dining purchases and recurring payments†
1%
cash back on all other purchases†
10 cents
save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
Insurance Benefits
$1,000
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$65,000
Rental car insurance amount
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 $2,000†.
Citi Dividend Vissa Infinite - winner, best cash back credit card in the Money.ca Credit Card Awards
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 — first year rebated† After that, it’s $120 annually. There’s also a welcome bonus: Earn 10% cash back for the first 4 statements on net purchases of up to $2,000.† Plus, get a first-year annual fee rebate for you and up to three Authorized Users.† Then it’s 4% cash back on groceries and gas, 2% on dining and recurring payments and 1% on everything else.
For a daily driver, this one’s hard to beat.
Disclosures:
- †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 joint credit card for partners who love dining out
up to 15,000 points
Welcome Bonus
$630
First Year Value
$480
Annual Value
Welcome Bonus: Earn up to 15,000 Welcome Bonus Membership Rewards® points* – that’s up to $150 in value.
Get this card if you...
- quickly rack up rewards on dining and grocery purchases
- want a flexible rewards program with travel rewards
- want access to exclusive events and robust travel insurance
Annual Fee & Annual Interest Rates
$191.88
Annual Fee
21.99%
Purchase
21.99%
Cash Advance
Our Take
The American Express Cobalt® Card is a versatile rewards credit card designed for individuals who frequently spend on dining, groceries and travel-related expenses. It offers flexible redemption options and includes various travel and purchase protections, making it a comprehensive choice for those seeking to maximize rewards on everyday spending.
Eligibility
Fair (300 - 619)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
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
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
25.99% - 29.99%
Penalty
Fees
$191.88
Annual Fee
2.50%
Foreign Transaction
$2.75
Cash Advance
$29
Over The Limit Penalty
$45
Return Penalty
Rewards Membership Rewards
5x
the points on eligible eats & drinks purchases in Canada
3x
the points on eligible streaming subscriptions in Canada
2x
the points on eligible gas, transit & ride share in Canada
1x
the points on everything else
1
additional Membership Rewards point for every $1 you charge on eligible hotel or car rental bookings made with American Express Travel
$100 USD
Get up to $100 USD hotel credit to use on amenities like dining, spa or other leisure facilities when charged to the room
Insurance Benefits
$1,000
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$250,000
Travel accident insurance amount
$500
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn up to 15,000 Membership Rewards® points* by earning 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 on your Card in your first year as a new Cardmember. This could add up to 15,000 points in a year.*
That’s up to $150 towards your next weekend getaway.
*Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply.
Our Take
The American Express Cobalt® Card is a versatile rewards credit card designed for individuals who frequently spend on dining, groceries and travel-related expenses. It offers flexible redemption options and includes various travel and purchase protections, making it a comprehensive choice for those seeking to maximize rewards on everyday spending.
Eligibility
Fair (300 - 619)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
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
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
25.99% - 29.99%
Penalty
Fees
$191.88
Annual Fee
2.50%
Foreign Transaction
$2.75
Cash Advance
$29
Over The Limit Penalty
$45
Return Penalty
Rewards Membership Rewards
5x
the points on eligible eats & drinks purchases in Canada
3x
the points on eligible streaming subscriptions in Canada
2x
the points on eligible gas, transit & ride share in Canada
1x
the points on everything else
1
additional Membership Rewards point for every $1 you charge on eligible hotel or car rental bookings made with American Express Travel
$100 USD
Get up to $100 USD hotel credit to use on amenities like dining, spa or other leisure facilities when charged to the room
Insurance Benefits
$1,000
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$250,000
Travel accident insurance amount
$500
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn up to 15,000 Membership Rewards® points* by earning 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 on your Card in your first year as a new Cardmember. This could add up to 15,000 points in a year.*
That’s up to $150 towards your next weekend getaway.
*Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply.
Amex Cobalt Card - winner, best credit card overall in the Money.ca Credit Card Awards
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 $191.88 for it, but that gets you an additional card for free and 5x 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.
$15.99/month (Equals $191.88 annually) for non-Quebec residents. $191.88/year for Quebec residents.
Disclosures:
-
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 joint credit card for travel savvy couples
up to 60,000 pts*
Welcome Bonus
$1,812
First Year Value
$312
Annual Value
Welcome Bonus: Earn up to $1,500 in first year welcome offers, rewards and savings, including up to 60,000 bonus Scene+ points* Expires Jul 01, 2026
Get this card if you...
- travel often and want premium travel perks like lounge access
- want to avoid paying foreign exchange fees
- appreciate a good welcome offer
Annual Fee & Annual Interest Rates
$150
Annual Fee
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The Scotiabank Passport® Visa Infinite* Card is a travel rewards credit card offering elevated Scene+ points on eligible grocery store purchases, dining, entertainment, and daily transit, with a standard earn rate on all other purchases. Cardholders benefit from no foreign transaction fees, six complimentary airport lounge visits per year through the Visa Airport Companion Program, and comprehensive travel insurance.
Eligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
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
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$150
Annual Fee
0.00%
Foreign Transaction
5.00%
Balance Transfer
$5
Cash Advance
Rewards Scene+
3x
Scene+ points¹ on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more
2x
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)
4x
Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
1x
Scene+ point for every $1 spent on all other eligible everyday purchases
Insurance Benefits
$2,000,000
Emergency medical insurance amount
3
Emergency medical insurance over 65 days
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$65,000
Rental car insurance amount
Earn up to $1,500 in first year welcome offers, rewards and savings, including up to 60,000 bonus Scene+ points*. Here's how:
$400 in travel rewards (40,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Card clients who spend $2,000 within the first 3 months
$100 in travel rewards (10,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Card clients who spend $10,000 within the first 6 months
$100 in travel rewards (10,000 bonus Scene+ points) when you spend $40,000 annually on your Account each year (12-months: annual points bonus).
$50 supplementary card annual fee waiver on the first supplementary card for new Scotiabank Passport Visa Infinite Card clients
$134 in foreign transaction fee savings based on average annual foreign spend per account over the last 24 months (save the 2.5% foreign transaction fee markup typically charged by other card issuers);
$369 in first year point earn potential (36,900 bonus Scene+ points) on everyday purchases based on average annual spend per account over the last 24 months with an average spend of 21% in 3X and 2X accelerator categories.
$364 value with a complimentary Visa Airport Companion Program Membership that includes 6 lounge passes (based on a ‘Preferential’ membership valued at approx. CAD$364/USD$259). Currency conversion as at November 3, 2025.
To qualify for this offer, make sure to apply for and open a new Scotiabank Passport Visa Infinite credit card account (“Account”) between January 2, 2026 and July 1, 2026.
*Savings and reward potential in first 12 months includes welcome offer value, first year point earn potential, foreign transaction fee and airport lounge savings as of November 4, 2025. Terms and Conditions Apply.
Rates, fees and other information are effective as of Jan 2,2026. Subject to change.
Our Take
The Scotiabank Passport® Visa Infinite* Card is a travel rewards credit card offering elevated Scene+ points on eligible grocery store purchases, dining, entertainment, and daily transit, with a standard earn rate on all other purchases. Cardholders benefit from no foreign transaction fees, six complimentary airport lounge visits per year through the Visa Airport Companion Program, and comprehensive travel insurance.
Eligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
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
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$150
Annual Fee
0.00%
Foreign Transaction
5.00%
Balance Transfer
$5
Cash Advance
Rewards Scene+
3x
Scene+ points¹ on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more
2x
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)
4x
Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
1x
Scene+ point for every $1 spent on all other eligible everyday purchases
Insurance Benefits
$2,000,000
Emergency medical insurance amount
3
Emergency medical insurance over 65 days
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$65,000
Rental car insurance amount
Earn up to $1,500 in first year welcome offers, rewards and savings, including up to 60,000 bonus Scene+ points*. Here's how:
$400 in travel rewards (40,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Card clients who spend $2,000 within the first 3 months
$100 in travel rewards (10,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Card clients who spend $10,000 within the first 6 months
$100 in travel rewards (10,000 bonus Scene+ points) when you spend $40,000 annually on your Account each year (12-months: annual points bonus).
$50 supplementary card annual fee waiver on the first supplementary card for new Scotiabank Passport Visa Infinite Card clients
$134 in foreign transaction fee savings based on average annual foreign spend per account over the last 24 months (save the 2.5% foreign transaction fee markup typically charged by other card issuers);
$369 in first year point earn potential (36,900 bonus Scene+ points) on everyday purchases based on average annual spend per account over the last 24 months with an average spend of 21% in 3X and 2X accelerator categories.
$364 value with a complimentary Visa Airport Companion Program Membership that includes 6 lounge passes (based on a ‘Preferential’ membership valued at approx. CAD$364/USD$259). Currency conversion as at November 3, 2025.
To qualify for this offer, make sure to apply for and open a new Scotiabank Passport Visa Infinite credit card account (“Account”) between January 2, 2026 and July 1, 2026.
*Savings and reward potential in first 12 months includes welcome offer value, first year point earn potential, foreign transaction fee and airport lounge savings as of November 4, 2025. Terms and Conditions Apply.
Rates, fees and other information are effective as of Jan 2,2026. Subject to change.
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 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% FX fees and 6 lounge passes a year. Not too shabby!
Disclosures:
-
Rates, fees and other information are effective as of January 3, 2025. Subject to change.
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 joint credit card for married couples who love to plan trips
up to 85,000 points
Welcome Bonus
$1,770
First Year Value
$70
Annual Value
Welcome Bonus: Earn up to 85,000 Aeroplan®* points.
Get this card if you...
- fly with Air Canada and want priority boarding and lounge access
- are looking to earn Aeroplan points faster through higher earn rates
- want comprehensive travel insurance to ensure peace of mind
Annual Fee & Annual Interest Rates
$599
Annual Fee
21.99%
Purchase
21.99%
Cash Advance
Our Take
The American Express® Aeroplan®* Reserve Card is a premium travel credit card tailored for frequent Air Canada travelers, offering elevated rewards on Air Canada purchases and dining, along with comprehensive travel benefits such as priority airport services and lounge access. Cardholders also enjoy extensive insurance coverage and an annual worldwide companion pass, enhancing both the value and convenience of their travel experiences.
Eligibility
Good (620 - 670)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
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 eligible 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 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
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
25.99% - 29.99%
Penalty
Fees
$599
Annual Fee
2.50%
Foreign Transaction
Rewards Aeroplan
3X
the points on eligible purchases made directly with Air Canada®* and Air Canada Vacations®*
2X
the points on eligible Dining and Food Delivery purchases in Canada
1.25X
the points on everything else
Insurance Benefits
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$85,000
Rental car insurance amount
New American Express® Aeroplan®* Reserve Cardmembers can earn up to 85,000 Aeroplan points. Here's how:
Earn 60,000 Aeroplan points after spending $7,500 in purchases on your Card within the first 3 months
Plus, earn an additional 25,000 Aeroplan points when you spend $2,500 in purchases in month 13
You could earn up to $4,400 in value within your first 13 months.
When you combine the Welcome Bonus offer of up to $1,700 in value, your earn potential in accelerated and everyday spend earn rate categories with approximately $1,760 in value, and the $1,000 in value you get from exceptional benefits, you can earn up to $4,400 or more in value within your first 13 months. Terms and usage assumptions apply.
Conditions Apply.
Our Take
The American Express® Aeroplan®* Reserve Card is a premium travel credit card tailored for frequent Air Canada travelers, offering elevated rewards on Air Canada purchases and dining, along with comprehensive travel benefits such as priority airport services and lounge access. Cardholders also enjoy extensive insurance coverage and an annual worldwide companion pass, enhancing both the value and convenience of their travel experiences.
Eligibility
Good (620 - 670)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
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 eligible 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 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
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
25.99% - 29.99%
Penalty
Fees
$599
Annual Fee
2.50%
Foreign Transaction
Rewards Aeroplan
3X
the points on eligible purchases made directly with Air Canada®* and Air Canada Vacations®*
2X
the points on eligible Dining and Food Delivery purchases in Canada
1.25X
the points on everything else
Insurance Benefits
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$85,000
Rental car insurance amount
New American Express® Aeroplan®* Reserve Cardmembers can earn up to 85,000 Aeroplan points. Here's how:
Earn 60,000 Aeroplan points after spending $7,500 in purchases on your Card within the first 3 months
Plus, earn an additional 25,000 Aeroplan points when you spend $2,500 in purchases in month 13
You could earn up to $4,400 in value within your first 13 months.
When you combine the Welcome Bonus offer of up to $1,700 in value, your earn potential in accelerated and everyday spend earn rate categories with approximately $1,760 in value, and the $1,000 in value you get from exceptional benefits, you can earn up to $4,400 or more in value within your first 13 months. Terms and usage assumptions apply.
Conditions Apply.
Serious (married) couples deserve a serious travel card.
And if the Amex Platinum is a little steep for your comfort, consider the American Express® Aeroplan®* Reserve Card. It’s got a BIG welcome bonus: Earn up to 85,000 Aeroplan®* points., plus Unlimited 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 annually to be exact. And for an additional card you’ll be looking at a $199 for each additional card – 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.
Disclosures:
-
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 joint credit card for couples with cash back rewards
10% cash back
Welcome Bonus
$914
First Year Value
$594
Annual Value
Get this card if you...
- want high cash back rates
- value a great welcome offer
- want comprehensive insurance benefits
Annual Fee & Annual Interest Rates
$120
Annual Fee
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The Scotiabank Momentum® Visa Infinite* Card is a cash back credit card offering elevated earn rates on purchases in categories such as groceries, recurring bill payments, gas, and daily transit. Cardholders benefit from a competitive welcome bonus, comprehensive insurance coverage, and the potential to have the annual fee waived by bundling the card with certain Scotiabank chequing accounts.
Eligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
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
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$120
Annual Fee
2.50%
Foreign Transaction
$5
Cash Advance
$29
Over The Limit Penalty
Rewards cash back
4%
For every $1 you spend on grocery store purchases, recurring bill payments and subscription purchases
2%
For every $1 you spend on gas and daily transit purchases
1%
Cash back on all other purchases with no cash back limit
Insurance Benefits
$1,000
Mobile device insurance amount
$500,000
Travel accident insurance amount
$65,000
Rental car insurance amount
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on additional cards.
To qualify for these offers make sure to open a new Scotiabank Momentum® Visa Infinite* credit card account between March 3, 2025 and October 31, 2025.
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:
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
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 for full details.
Rates, fees and other information are effective as of July 2, 2025. Subject to change.
Our Take
The Scotiabank Momentum® Visa Infinite* Card is a cash back credit card offering elevated earn rates on purchases in categories such as groceries, recurring bill payments, gas, and daily transit. Cardholders benefit from a competitive welcome bonus, comprehensive insurance coverage, and the potential to have the annual fee waived by bundling the card with certain Scotiabank chequing accounts.
Eligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
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
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$120
Annual Fee
2.50%
Foreign Transaction
$5
Cash Advance
$29
Over The Limit Penalty
Rewards cash back
4%
For every $1 you spend on grocery store purchases, recurring bill payments and subscription purchases
2%
For every $1 you spend on gas and daily transit purchases
1%
Cash back on all other purchases with no cash back limit
Insurance Benefits
$1,000
Mobile device insurance amount
$500,000
Travel accident insurance amount
$65,000
Rental car insurance amount
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on additional cards.
To qualify for these offers make sure to open a new Scotiabank Momentum® Visa Infinite* credit card account between March 3, 2025 and October 31, 2025.
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:
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
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 for full details.
Rates, fees and other information are effective as of July 2, 2025. Subject to change.
Since I already mentioned the CIBC Dividend® Visa Infinite* Card up top, I’ll give a shout out to the Scotiabank Momentum Visa Infinite down here.
It’s nearly as good, and if you’re a Scotiabank diehard, it might be preferable.
You get 4% cashback on groceries and recurring payments, 2% on gas and transit and 1% on everything else. As for the welcome bonus: 10% cash back After that you’ll be paying $120 annually. So far the same as the CIBC Dividend® Visa Infinite* Card – but the one catch is that the Scotiabank Momentum charges $$50 per supplementary card; No annual fee in the first year, including on additional cards.† (after the first year). Achilles heel? I’ll let you be the judge.
Disclosures:
-
Conditions Apply. Visit here for the Scotiabank Momentum® Visa Infinite* Card to learn more.
Best joint credit card for roommates sharing expenses
10% cash back
Welcome Bonus
$484
First Year Value
$384
Annual Value
Welcome Bonus: Earn 10% cash back for 2 months† (up to $100). Expires Jan 30, 2026
Get this card if you...
- want flexible cash back categories
- want unlimited cash back
- want to avoid paying an annual fee
Annual Fee & Annual Interest Rates
$0
Annual Fee
19.95% - 24.95%
Purchase
19.95%
Cash Advance
1.95% - 19.95%
Balance Transfer
Our Take
The Tangerine Money-Back Credit Card is a no-annual-fee cash back card that allows cardholders to earn a higher cash back rate in two spending categories of their choice, such as groceries, gas, or restaurants, and a lower rate on all other purchases. By opening a Tangerine Savings Account and directing cash back earnings there, a third higher rate cash back category can be added. Additional benefits include purchase assurance and extended warranty protection, with cash back rewards automatically applied monthly.
Eligibility
Good (620 - 670)
Recommended Credit Score
$12,000
Required Annual Personal Income
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
Annual Interest Rates
19.95% - 24.95%
Purchase
19.95%
Cash Advance
1.95% - 19.95%
Balance Transfer
1.95%
Balance Transfer (Introductory)
24.95%
Penalty
Fees
$0
Annual Fee
2.50%
Foreign Transaction
3.00%
Balance Transfer
$3.5
Cash Advance
$25
Over The Limit Penalty
$25
Return Penalty
Rewards cash back
2%
Earn 2% cash back on 2 categories of your choice (e.g. groceries, recurring bills, gas, drug stores, etc.)
3
Get a Tangerine Savings account and add a 3rd 2% cash back category.
0.5%
Earn 0.50% on all your other everyday purchases.
Earn 10% cash back for 2 months† (up to $100).
Our Take
The Tangerine Money-Back Credit Card is a no-annual-fee cash back card that allows cardholders to earn a higher cash back rate in two spending categories of their choice, such as groceries, gas, or restaurants, and a lower rate on all other purchases. By opening a Tangerine Savings Account and directing cash back earnings there, a third higher rate cash back category can be added. Additional benefits include purchase assurance and extended warranty protection, with cash back rewards automatically applied monthly.
Eligibility
Good (620 - 670)
Recommended Credit Score
$12,000
Required Annual Personal Income
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
Annual Interest Rates
19.95% - 24.95%
Purchase
19.95%
Cash Advance
1.95% - 19.95%
Balance Transfer
1.95%
Balance Transfer (Introductory)
24.95%
Penalty
Fees
$0
Annual Fee
2.50%
Foreign Transaction
3.00%
Balance Transfer
$3.5
Cash Advance
$25
Over The Limit Penalty
$25
Return Penalty
Rewards cash back
2%
Earn 2% cash back on 2 categories of your choice (e.g. groceries, recurring bills, gas, drug stores, etc.)
3
Get a Tangerine Savings account and add a 3rd 2% cash back category.
0.5%
Earn 0.50% on all your other everyday purchases.
Earn 10% cash back for 2 months† (up to $100).
Tangerine wins this best roommate, friend or partnership credit card 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 Tangerine joint card has no fees – and that’s for up to FIVE additional card holders ($0 for additional cardholders).
It offers 2% cash back in two categories (choose groceries – you can buy beer at the grocery store now) and 0.5% 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.
Joint credit cards: quick hits
Confused about joint credit cards? Don't be; here's a quick overview of how joint cards work:
- Shared responsibility: Both cardholders are equally liable for all charges made on the account, regardless of who made the purchase.
- Applications: Both applicants' credit histories and incomes are considered during the application process.
- Equal access: Each cardholder receives their own physical card linked to the same account and can make purchases, payments, and access account information.
- Credit reporting: The account activity is typically reported on both cardholders' credit reports, which can be beneficial if managed responsibly.
What is a joint credit card?
A joint credit card is a credit account that's shared between two or more people, typically spouses, partners, or family members. Both parties have equal access to the credit limit and are equally responsible for paying off the balance.
There are two types of people who want a joint credit card:
- 1 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
- 2 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:
Signing up for a joint credit card is similar to applying for an individual credit card, however, there are a few more steps to determine the creditworthiness of both applicants.
Unlike applying for a personal and individual card which is often easily done online, it typically takes a phone call or visit to the branch. With personal information, identification and account statements, the institution will pull and review each individual’s credit history. Then, the assessment is made before an approval and credit limit is determined.
This is why many Canadians opt for an individual credit card with an authorized user, which can usually be done online.
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 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.
Pros
- Can help build credit for both parties
- Potentially easier approval and better terms for more people
- Simplified expense sharing
Cons
- Shared debt liability
- Can potentially complicate relationships if financial disputes arise
- Difficult to remove an accountholder in case of relationship changes
If you opt for a joint credit card, be aware that you are ultimately liable for your partner’s debt on the same account. If the balance suffers, it affects both credit scores, but conversely, it can improve if the balance is fully paid.
If the relationship falls apart, perhaps because of divorce or death, the account will need to be closed, which can impact your credit utilization and other factors that determine your credit score. You will also need to settle the remaining balances quickly before the account is fully closed.
Finally, you should be mindful that your partner can see all spending on the account, including your own. This can result in disagreement, so ensure that a common understanding and ground rules are set when using the card to make any purchases.
"Before jumping into a joint credit card, make sure you trust your partner's financial habits. Remember, you're both on the hook for any charges!"
Cory Santos, Money.ca credit card expert
Summary of our picks for top joint credit cards
| Card | Best for | Learn more |
|---|---|---|
| The Platinum Card® | Premium travel perks | |
| CIBC Dividend® Visa Infinite* Card | Runner-up | |
| American Express Cobalt® Card | Dining & entertainment | |
| Scotiabank Passport® Visa Infinite* Card | Travelling & transit | |
| American Express® Aeroplan®* Reserve Card | Romantic getaways | |
| Scotiabank Momentum® Visa Infinite* | Cash back | |
| Tangerine Money-Back Credit Card | Sharing expenses |
Disclosures:
- The information for these cards has been collected independently by Money.ca. The card details on this page have not been reviewed or provided by the card issuer.
- Terms & conditions apply
Should you consider applying for a joint credit card?
Think of a joint credit card as a financial team-up for couples. It's like merging your money superpowers – you might score better rewards or a higher credit limit. Plus, it's a great way to keep your shared expenses in one place (no more "who paid for what?" debates!). But remember, with great power comes great responsibility. You're both on the hook for any charges, so make sure you're on the same page about spending before you apply. If you play your cards right (pun intended), a joint credit card can be a fantastic tool for building your financial future together.
FAQs
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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