Joint credit cards

Simplify your finances

A useful tool for couples

When you’re starting your life together, a joint credit card can make it easier to manage your finances. Here’s what you need to know to make an informed decision.

How can I get an additional card?

If you’re applying for a new credit card, answer yes to the question Do you require an additional card? in the online form.

You can request an additional card for an existing account through the form or call us at 1-888-622-2783.

4 questions to help you understand

Young couple in a shop pays with a credit card

How does it work?

The primary cardholder is the person whose name is on the credit card agreement. They can add up to three authorized users to their account and remove them at any time. The primary cardholder must meet the eligibility criteria for the credit card.

An authorized user has their own card and PIN. However, the purchases they make with the card are charged to the primary cardholder’s account. They could be the primary cardholder’s spouse, child or friend. They don't need to meet the eligibility criteria for the credit card.

Woman and teenager looking at a shop window

What is the role of each cardholder?

The primary cardholder is solely responsible for paying the balance and managing the account. They’re also the only one who can receive cashbacks for the account. In the event of a disagreement or separation, the primary cardholder must try to come to an agreement with the authorized user.

Authorized users don’t receive statements, can’t see transaction details and don’t have access to information about the account, including the credit limit. However, all cardholders can enjoy the advantages of their card. They’re also able to change their own PIN codes and cancel or replace their cards.

Woman and teenager looking at a shop window
Woman and teenager looking at a shop window
Woman and teenager looking at a shop window
Magic wand icon


If you lost your job, fell ill or died, who would pay your balance? Be prepared with credit card payment insurance.

Woman and man with backpacks walk on a path while holding hands

What are the benefits?

You’ll go further together! With a joint credit card like the ECHO® Cashback Mastercard® or the World Elite® travel card, the cashback or rewards points you earn on eligible purchases accumulate in a single account. Both the primary cardholder and the authorized user can exchange the points for rewards (excluding banking products).

A joint credit card saves you time, because there’s just one account to manage and one bill to pay. You could also save on fees because it’s often cheaper to have an additional card than to have two separate credit card accounts.

View all cards
Young woman is looking at clothes on hangers

Will it help me build my credit history?

Yes, if you’re the primary cardholder. However, if you’re an authorized user, your card won’t help you build a good credit score, which is very important if you want to rent an apartment or get a mortgage, for example. A joint credit card is basically a convenient way to pay, especially for online purchases and recurring payments, like monthly bills.

If you have a poor credit rating or no credit history, your best option may be to apply for a card in your own name, like our MC1 card, to start building your credit history.

Build your credit history
Young woman is looking at clothes on hangers



Young woman is looking at clothes on hangers



Young woman is looking at clothes on hangers





Newsletter icon

Get more information by email

Sign up for our newsletter to get the latest offers and advice to power your ideas.

Little details that matter

®ECHO is a registered trademark of National Bank of Canada.

®MASTERCARD and WORLD ELITE are registered trademarks of Mastercard International Inc. Authorized user: National Bank.

Understanding family finances

Man and woman make a heart shape with their hands
Young family playing in the living room
Couple using a laptop

Ready to apply for a joint credit card?

Find the card that’s right for you and your lifestyle.

See our credit cards

Telephone icon
Picto of a question mark in a circle