What could bring couples together better than a hefty credit card sign-up bonus? I can think of something, two sign-up bonuses! Valentines Day is just around the corner so it only feels natural to discuss credit cards and couples.
There is so much opportunity missed when a husband or wife think they are not allowed to have the same credit card as their spouse. One of the best ways to score free travel is double the fun and get everyone involved with earning.
If my spouse has the Southwest credit card can I sign up for it also?
Yes! You and your spouse can have the same credit cards and both get the sign-up bonuses. Your collection of credit cards and accounts are completely separate from your spouse. For what it is worth, credit card applications do not ask your marital status and would have no reason to know who your spouse is. (if you have one).
If I am a stay-at-home can I still sign up for a credit card?
Now.. this is where it matters whether you are married. If you are a stay-at-home and you are married, you are allowed to claim your spouse’s income on your credit card application. The credit card apps ask for your ‘total household income’. In the fine-print total household income is any income that is readily available to you. This means that when you and your spouse are filling out credit applications the income values should match. The reason for this is both of you have access to the same income sources and bank accounts. (Doesn’t matter who earns it). You cannot claim your roommate’s income because you are not legally entitled to it. (same goes for engaged couples).
Will my credit card points be combined with my spouse’s account?
Your credit card points will accumulate in a separate account, even if you are married. If you sign up for a Southwest card and your spouse already has a Southwest card, your points will not combine. This is important to keep in mind if you are working towards the Southwest Companion Pass. You, and you alone, must accumulate 110k Southwest points within one calendar year. Your better-half cannot give you points to help hit your total. If you and your spouse do want to work together to hit your 110k points, you can do so by adding one of you as an authorized user.
Am I able to book a flight for my boo using my points?
You are able to book an award flight for your spouse using your own points. As a matter of fact, you can use your points/miles to book a flight for your friends as well. You can read more about booking award flights for others, here. Just remember, you are not allowed to accept money in exchange for your points, at least don’t let the airline catch you. (They can take all your points and shut you down)
What are the best cards to for a husband and wife team to sign up for?
The key to working together for free travel is variety. If you and your travel buddy only have Southwest and Hyatt points, what good will those points do when you want to travel to a city that Southwest does not serve? What about when you want to use your hotel points but a Hyatt property isn’t nearby? I find it works best for each person to chase separate sign up bonuses with different airlines and hotels. Many times there can be sold out dates for the hotel of choice, or there may be no non-stops with a certain airline to your desired city.
The take-away, spread out your points so you are never caught in a pickle by having points with just one or two companies. If your United card gives you free checked bags, it wouldn’t make sense for your spouse to get the same card. Have them get a credit card with another airline so that you can leverage “free checked bags” with multiple airlines rather than overlapping your perks with just one carrier.