Is it better to have separate or linked rewards program accounts?

Credit Cards & Credit Card Programs
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Should me and my wife seperately apply for the same credit card or just make one of us a secondary card holder?
Same with rewards programs, should we both have an account or link one account for all our points?

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Hi sc23,

It really depends on your strategy.

If you are mainly after the signup bonus, having you and your partner applying for the same product would yield 2 x the signup bonus.

If you are mainly focused on earning, having the points earned to the same acct means the balance is bigger making using points easier (IMO). However, this is not so much an issue for programs that allow transferring between accounts like Qantas/Virgin, which allows family transfer.

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