Two-Player Mode: Credit Card Strategy for Couples
Two of every bonus
When each partner has their own accounts, you can each earn the welcome bonus on the same card, doubling the haul. You can also stagger applications so one partner stays under Chase 5/24 while the other catches up, keeping the household eligible for the best cards longer.
Refer each other
Most issuers pay a referral bonus when an existing cardholder refers someone who is approved. Couples refer each other: P1 sends P2 a referral link for a card P2 wants, so the household earns the referral bonus on top of P2 welcome bonus. See referral bonuses.
Pool the points
Many programs let household members combine points. Chase lets you transfer Ultimate Rewards to a household member, Amex lets you pool through authorized users or transfers, and Capital One lets you share miles. Pooling into one account makes it easier to reach a big redemption. Plan it in the wallet across both players.
Frequently asked questions
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