{"id":14439,"date":"2024-11-28T14:06:18","date_gmt":"2024-11-28T20:06:18","guid":{"rendered":"https:\/\/www.lexingtonlaw.com\/blog\/?p=14439"},"modified":"2025-06-04T15:43:00","modified_gmt":"2025-06-04T21:43:00","slug":"joint-credit-cards","status":"publish","type":"post","link":"https:\/\/www.lexingtonlaw.com\/blog\/credit-cards\/joint-credit-cards.html","title":{"rendered":"Joint credit cards: What you should know before getting one"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"570\" height=\"190\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2020\/09\/women-couple-joint-credit-cards.jpg\" alt=\"\" class=\"wp-image-14440\"\/><\/figure>\n\n\n\n<p><em>The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. <\/em><a aria-label=\"undefined (opens in a new tab)\" href=\"https:\/\/www.lexingtonlaw.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\"><em>See Lexington Law\u2019s editorial disclosure for more information.<\/em><\/a><\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-background has-link-color wp-elements-eb399b7b80d8c7f97ab7e821e9a4419a\" style=\"background-color:#00204f\">A joint credit card is an account shared by two people equally responsible for making payments\u2014and the consequences of success or failure will affect the credit scores of both individuals.<\/p>\n\n\n\n<p>\u201cFor richer or for poorer\u201d is the vow millions of couples make yearly. Partners navigate money issues daily, from saving and budgeting to managing debt. Joint credit cards offer couples a great opportunity to build credit and manage their finances together, but it requires substantial teamwork and communication.<\/p>\n\n\n\n<p>To better understand how couples navigate their financial journeys together, check out these interesting facts and statistics:<\/p>\n\n\n\n<ul>\n<li>Couples who <a href=\"https:\/\/psycnet.apa.org\/record\/2022-42962-001\" target=\"_blank\" rel=\"noreferrer noopener\">pool their money<\/a> are more likely to stay together.&nbsp;<\/li>\n\n\n\n<li><a href=\"https:\/\/www.lexingtonlaw.com\/blog\/news\/love-and-money-arguments.html\" target=\"_blank\" rel=\"noreferrer noopener\">35 percent of couples<\/a> experiencing relationship stress said money was the primary cause of the issue.<\/li>\n\n\n\n<li>A 2023 report found <a href=\"https:\/\/www.edelmanfinancialengines.com\/content\/dam\/efe\/corporate-brand\/production-web-assets\/downloadable-content\/everyday-wealth-in-america-reports\/Everyday-Wealth-in-America-2023.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">39 percent of married couples<\/a> reported that they didn\u2019t know everything about their partner\u2019s spending.&nbsp;<\/li>\n\n\n\n<li>A 2021 study found <a href=\"https:\/\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/documents\/about-fidelity\/Fidelity-Couples-and-Money-Fact-Sheet-2021.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">61 percent of couples<\/a> talk about their finances at least once a month.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Credit health is something to take very seriously, and joint credit cards can cause problems if they aren\u2019t appropriately managed. Before signing up for a joint credit card, ensure you understand what you\u2019re getting into, including all the potential risks. This guide gives a comprehensive overview of everything you need to know about joint credit cards.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1003\" height=\"1251\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/01\/image-8.png\" alt=\"\" class=\"wp-image-19331\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/01\/image-8.png 1003w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/01\/image-8-768x958.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<p>Credit health is something to take very seriously, and joint credit cards can cause problems if they aren\u2019t managed properly. Here, we will discuss what a joint credit card is and its benefits, risks and alternatives\u2014as well as actionable tips for success.<\/p>\n\n\n\n<p><strong>Key takeaways include:<\/strong><\/p>\n\n\n\n<ul>\n<li>A joint credit card functions the same way as a regular credit card, except two people share the account.<\/li>\n\n\n\n<li>Any activity on a joint credit card account will impact both cardholders, and both are equally responsible for paying the card\u2019s balance.<\/li>\n\n\n\n<li>Potential benefits of joint credit cards include pooled rewards, streamlined finances and improved credit.<\/li>\n<\/ul>\n\n\n\n<p><strong>Table of contents<\/strong>:<\/p>\n\n\n\n<ul>\n<li><a href=\"#what-is-a-joint-credit-card\">What is a joint credit card?<\/a><\/li>\n\n\n\n<li><a href=\"#pros-and-cons\">Pros and cons of a joint credit card<\/a><\/li>\n\n\n\n<li><a href=\"#how-to-apply\">How to apply for a joint credit card<\/a><\/li>\n\n\n\n<li><a href=\"#FAQ\">FAQ about joint credit cards<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-joint-credit-card\">What is a joint credit card?<\/h2>\n\n\n\n<p>A joint credit card functions like a regular credit card, but two people share the account. Each cardholder has a separate card that connects to the account.<\/p>\n\n\n\n<p>The main difference between joint and regular credit cards is that both cardholders share the responsibilities and benefits equally. Any activity on either card will impact both cardholders, who are equally liable for the card\u2019s balance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>Joint credit card vs. authorized users<\/h3>\n\n\n\n<p>One alternative to having a joint credit card is to add an authorized user to an existing account. Adding your partner as an authorized user means they can make purchases with your credit card and the positive payment history will appear on their <a href=\"https:\/\/www.lexingtonlaw.com\/education\/what-is-a-credit-report\" target=\"_blank\" rel=\"noreferrer noopener\">credit report<\/a>. It can be a fairly safe way to improve their credit by letting them benefit from your positive credit history.<\/p>\n\n\n\n<p>Be careful when adding anyone as an authorized user on your card. No matter how much someone else uses the card, you\u2019ll ultimately be the one legally responsible for paying the balance\u2014not them. If you\u2019re considering adding your partner, have an open and honest discussion about your&nbsp;<a href=\"https:\/\/www.lexingtonlaw.com\/education\/credit-card-limits\" target=\"_blank\" rel=\"noreferrer noopener\">credit limit<\/a> and how much you\u2019re comfortable with them charging each month.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>Joint credit card vs. cosigners<\/h3>\n\n\n\n<p>Another alternative to having a joint credit card is to add your partner as a cosigner. Rather than taking possession and having access to that account as a cardholder, a cosigner vouches for someone applying for a credit card. The cosigner is guaranteeing to the credit card company that they\u2019ll pay the balance if the cardholder can\u2019t.<\/p>\n\n\n\n<p>Cosigning for a credit card is a way to help someone increase their chances of being approved, especially if they\u2019re working to repair or <a href=\"https:\/\/www.lexingtonlaw.com\/education\/how-to-build-credit\" target=\"_blank\" rel=\"noreferrer noopener\">build their credit<\/a>.<\/p>\n\n\n\n<p>However, having a cosigner could also have its drawbacks. If the cosigner is responsible for the account and can\u2019t make payments, their credit will be affected.&nbsp;Additionally, someone taking on debt as a cosigner can make it more difficult for them to get credit or loans in the future.<\/p>\n\n\n\n<table class=\"cutout-table\">\n    <thead>\n        <tr>\n            <th>&nbsp;<\/th>\n            <th>Joint credit card<\/th>\n            <th>Authorized user<\/th>\n            <th>Cosigner<\/th>\n        <\/tr>\n    <\/thead>\n    <tbody>\n        <tr>\n            <th>Responsibility for repayment<\/th>\n            <td>Cardholders are equally responsible<\/td>\n            <td>Primary cardholder is responsible<\/td>\n            <td>Responsible for repaying the primary cardholder\u2019s debt if the they fail to pay<\/td>\n        <\/tr>\n        <tr>\n            <th>Spending limits <\/th>\n            <td>Both users have access to the entire line of credit<\/td>\n            <td>Spending limits can be set on authorized user accounts<\/td>\n            <td>Doesn\u2019t have the ability to make purchases<\/td>\n        <\/tr>\n        <tr>\n            <th>Credit score impact<\/th>\n            <td>Both users credit scores will be impacted<\/td>\n            <td>Credit score may be affected by the primary cardholder\u2019s missed payments<\/td>\n            <td>Credit score will likely be affected by missed payments<\/td>\n        <\/tr>\n    <\/tbody>\n<\/table>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"pros-and-cons\">Pros and cons of a joint credit card<\/h2>\n\n\n\n<p>Just like regular credit cards, joint credit cards can offer excellent benefits if properly managed. However, there can also be some serious consequences that can harm both cardholders. Before applying, ensure you know all the pros and cons.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>Streamline your finances<\/h3>\n\n\n\n<p>When it comes to budgeting, joint accounts\u2014both checking and credit\u2014help simplify your finances. That\u2019s because both people\u2019s transactions are now under one account instead of separate ones. A joint account can help you both get a view of your financial health as a couple and manage your money as a team.<\/p>\n\n\n\n<p><strong>Potential con:<\/strong> If either person abuses their card privileges, it can add stress and feelings of resentment to the relationship. Additionally, if a couple needs to separate or divorce, dealing with joint credit cards can be complicated.<\/p>\n\n\n\n<p><strong>Tip:<\/strong> Maintain open and honest communication about card use, especially large purchases. This will help you stay on track with your budget and financial goals as a couple.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>Pool your rewards<\/h3>\n\n\n\n<p>A joint credit card lets you amplify your cashback rewards by pooling them in the same account rather than scattering them among multiple credit cards. Additionally, since two people are using the account, the card may see higher use than a singularly owned one, which will rack up the rewards faster.<\/p>\n\n\n\n<p><strong>Potential con:<\/strong> Options for joint credit cards are very limited, so finding a rewards program that fits your lifestyle and needs may be tricky.<\/p>\n\n\n\n<p><strong>Tip:<\/strong> Thoroughly research the annual fees, incentives and cashback percentages before applying for a joint credit card.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>Improve your credit<\/h3>\n\n\n\n<p>Joint credit cards can help both cardholders\u2019 credit scores, as long as you make on-time payments each month. Additionally, if one person doesn\u2019t have good enough credit to apply for a card on their own, they can leverage the other person\u2019s better credit to score a joint credit card with better interest rates and terms.<\/p>\n\n\n\n<p><strong>Potential con:<\/strong> Just as joint credit cards have the potential to boost your credit, they also have the potential to harm it\u2014even if it\u2019s not directly your fault. If your partner fails to uphold their payment agreement or charges enough on the card to push you past a 30 percent <a href=\"https:\/\/www.lexingtonlaw.com\/education\/credit-utilization\" target=\"_blank\" rel=\"noreferrer noopener\">credit utilization<\/a> rate, your score will likely take a dip.<\/p>\n\n\n\n<p><strong>Tip:<\/strong> Make an agreement on how payments will be made each month to ensure no payments are <a href=\"https:\/\/www.lexingtonlaw.com\/education\/how-to-remove-late-payments\" target=\"_blank\" rel=\"noreferrer noopener\">late<\/a> or missed. Consider setting up automatic monthly payments to ensure each person contributes to paying off the balance.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1076\" height=\"853\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/01\/image-9.png\" alt=\"\" class=\"wp-image-19332\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/01\/image-9.png 1076w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/01\/image-9-768x609.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-apply\">How to apply for a joint credit card<\/h2>\n\n\n\n<p>If you and your partner decide to apply for a joint credit card, the application process can be similar to that of a standard credit&nbsp;account. Whether you go to the bank or apply directly online, both applicants must provide their financial histories. The card issuer will then conduct a credit check on each applicant\u2019s report.<\/p>\n\n\n\n<p>If both credit scores are good enough to qualify, both of you will:<\/p>\n\n\n\n<ul>\n<li>Be given full access to the account<\/li>\n\n\n\n<li>Be able to make adjustments and changes whenever you want<\/li>\n\n\n\n<li>Have complete discretion over how much money you spend<\/li>\n\n\n\n<li>Share equal responsibility for making payments<\/li>\n<\/ul>\n\n\n\n<p>When it comes to charges, an issuer usually doesn\u2019t distinguish between cardholders, and monthly statements aren\u2019t typically broken up based on how much each account holder spends. The entire amount due on the account must be paid when the card\u2019s due date arrives, just as with an individual account. Therefore, remember that even if you each acquire a card, the credit balance will still total one sum.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"FAQ\">Frequently asked questions about joint credit cards<\/h2>\n\n\n\n<p>Once you decide to apply for a joint credit card, you may wonder what\u2019s next. After reading your card\u2019s terms and conditions, you may have additional questions, such as the ones below:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>How do I get my name off of a joint credit card?<\/h3>\n\n\n\n<p>Unlike an authorized user credit card\u2014which is easy to remove yourself from\u2014it\u2019s difficult to remove yourself from a joint credit card without completely closing the account. To do this, both parties must agree to pay off the entire balance before closing the account or satisfy whatever requirement the credit card company has for removing one user from a joint credit card account. Keep in mind that this may temporarily hurt your credit, as it may cause your credit utilization rate to increase and your credit diversity to decrease.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>What happens to a joint credit card when someone dies?<\/h3>\n\n\n\n<p>Notify your credit card issuer immediately if someone on your joint credit card passes away. Ask if they had set up any recurring charges on the card and see that they\u2019re canceled. You should then be able to continue using the card normally as the sole cardholder. Remember that you\u2019ll still be responsible for paying off the balance, regardless of who charged it.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Build your credit together the right way<\/h2>\n\n\n\n<p>Whether you and your partner are <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/life-events\/does-getting-married-affect-credit-score.html\" target=\"_blank\" rel=\"noreferrer noopener\">married<\/a>, in a civil partnership or living together, a joint credit card can be a great way to streamline your finances, pool rewards and improve your credit if appropriately managed. If you decide to move forward with a joint account, provide clear, respectful and thorough communication about your finances with your partner. Don\u2019t forget to maintain responsibility for your finances as a whole. You can check your credit report regularly to stay on top of potential errors. If you find any mistakes on your credit report, consider <a href=\"https:\/\/www.lexingtonlaw.com\/credit-repair-services\" target=\"_blank\" rel=\"noreferrer noopener\">working with Lexington Law to address them<\/a> and learn more about how you can improve your credit.<\/p>\n\n\n\n<p><a aria-label=\"undefined (opens in a new tab)\" href=\"https:\/\/lexingtonlaw.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><em>Note:<\/em><\/strong><\/a><em> The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Learn everything you need to know before getting a joint credit card with your partner, including the benefits, risks and alternatives. <\/p>\n","protected":false},"author":63,"featured_media":14443,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[516],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.1 (Yoast SEO v18.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Joint Credit Cards: What You Should Know | Lexington Law<\/title>\n<meta name=\"description\" content=\"Learn everything you 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