Want to have a shared account with DH - John Lewis won't work

[Beesarestrong]

DH has partnership card (credit card) with John Lewis as do I but we want to have another account with 2 cards so that we can use that for food shopping, vehicle repair etc etc. Basically everything that we are jointly responsible for and we'll pay in a sum each month.

JL say only one account per person so who should we go with. I have another current account with First Direct that I don't want to touch.

I just put DH as an additional card holder onto my JL and Halifax credit cards.

Thanks but neither of us want to do that. We want a completely separate one.

You don't get joint credit cards. It's always a main card holder with an additional card holder.
Is it a credit card you want or a joint current account?

Is it a credit card you specifically want or just a joint bank account? If a joint bank account then you should be able to open one with any high street bank.

Does it need to be John Lewis? Couldnt you just open an ordinary joint bank account, maybe one with cashback or rewards

Oh....never had a joint account before so what do I need? We aim to just put in a certain sum each month to cover joint costs. I like JL cos I get rewards :)
We'll pay it off each month (so not used as a credit card).

I don't want to pay for a bank account to give me rewards. Want it as simple as possible.

OK, so one of us has to be "in charge" of the account (me...he's very busy) and then I get a second card for him?

Agree, in the UK you can get a joint bank account but not a joint credit card - it’s about issues around liability.

Why not just open a joint bank account ?

Just go to a bank and open a joint account. You will have two debit cards.

Basically, yes.
Dh is the main credit card holder here and I hold an additional card on the account. The statement goes to him and he is responsible for paying the bill.

You cannot have a joint credit card. One of you can have a credit card, and make the other an authorised user.

Or, you can open a joint bank account and both have a debit card.

https://www.moneysavingexpert.com/banking/best-joint-bank-savings-accounts/

If you’re going to each add money each month you need a joint current account. Not a credit card.

You can't pay money "into" a credit card. It's against the Terms of Service to hold a positive balance for almost all cards.

You need a joint bank account if you want to be able to pay money in, and then use that money. You can try and get a joint overdraft if you might need to use credit sometimes.

Otherwise, if you want to put spends on a credit card and then pool money to pay it off, you'll need to choose one of you to be the lead cardholder, and add the other as an additional cardholder, as everyone has said. We don't have joint credit cards in the UK. Whoever is the main cardholder is responsible for all the debt incurred; regardless of which cardholder spent the money.

Want the protection of credit cards but thanks

What do you actually want from this account @Beesarestrong

Debit cards in the UK are issued by Visa and Mastercard so benefit from zero liability protection offered by those schemes (same as credit cards). You may still want a credit card for other reasons.

Are you saying that credit cards have no protection in the case of mis selling etc?

You want three different credit accounts with the same place for the two of you? And you’re married. I mean why?

As loads have said already. You cannot have a joint credit card only a joint bank acc.

I think it sounds like you want a joint bank account, into which you both pay money each month to cover your bills. You also get a credit card with DH as an additional card holder, use it for all your joint spending, and set up a direct debit from your joint current account to pay off the balance each month.

If you’ll pay it off each month why not get a credit card that has rewards attached. You can’t have a joint credit card as such as one person needs to be liable for the debt, but you can have an additional card holder. I have a card with DH as an additional card holder and we use it for household expenditure, holidays etc and pay it off in full each month.

Sorry, I thought I'd made it clear but will repeat. We've both just spent between £500 and £900 over the past 10 days on stuff for both of us (car upgrade, travel tickets, home insurance etc etc).

We both want to contribute fairly and I can't be ar5ed going through statements and splitting our expenses so if we had a "joint" credit card (for protection) (and we always fully pay off every month) then it would be easier. We could both put in £1k to start and share the cost rather than getting out bits of paper and a calculator. Don't have time for that.

We both also need our own credit cards (John Lewis mastercard) which we also pay off in full every month...so it's not about credit per se.

This sounds like the right answer. Have never had a joint bank account but we have quite an expensive life style and it's a pain to work out who owes who.

I'm fiercely independent as far as money goes.

I am also fiercely independent about money but have no problem at all with a joint bank account in addition to my own

If you get one of the good ones for overseas spending you'd benefit on holiday too