Ask Miles: What banks accept a joint credit card application?

Ask Miles: What banks accept a joint credit card application?

My wife and I would like to apply for a credit card in joint names. Can this be done and what banks accept a joint application?


Joint credit cards are available from a range of banks offering different incentives. A joint card will give you and your wife access to all the credit card’s features and benefits, but you will both be responsible for paying off the balance.


Two people applying for one card often comes with a higher credit limit. Bills and fees will be lower as you’ll get one bill each month, instead of two. A joint credit card can help improve your credit score. If one partner has a lower credit score, the partner with a high score can increase the likelihood of the application being approved. 

A shared debt means a shared responsibility.


While there are benefits to having a joint credit card, you should also consider the disadvantages of sharing an application. A shared debt means shared responsibility meaning it doesn’t matter who bought what – you both are responsible for the repayments. If your wife’s credit score isn’t great, it could damage your chances of being approved. This will then impact your credit score and your wife’s. Be sure to check both of your credit scores prior to any applications. It’s also worth noting that two people spending on one card can often lead to overspending – be sure to stay on top of your balance and be aware of the credit limit. As always, try to pay your balance off each month and decrease your debt.

Now you know the pros and cons of a joint credit card – we’ll take a look at the providers that offer joint applications. 

Here's a list of banks that allow joint applications:

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The products, banks and companies mentioned in this Ask Miles question and answer were correct at the time of publishing. The information published is general advice only and should not be taken as specific personal finance advice.