Infographic: 'Us' cards versus 'me' cards

Sabrina Karl
Personal Finance Writer
Data whiz and visual storyteller


When it comes to nurturing a happy relationship, millennials might want to take a page from the baby boomers’ financial book.

In a new survey, TD Bank found that among all Americans, 47 percent reported sharing all of their credit cards, while 37 percent indicated they only have separate cards. But when tabulating the results specifically for couples who indicated they were extremely or very happy with their significant other, TD Bank found that the percent who share all cards jumped to 53 percent.

TD Bank also broke the card-sharing data out across age groups to see what the prevalent practice is in each generation. Millennials, who are under age 35, were the only cohort to report more card separateness than togetherness, although the split was close at 40 percent shared to 42 percent separate.

Meanwhile those age 35-54, or Generation X, shifted to slightly favor shared cards (45 percent versus 41 percent).

It was the findings for the boomer generation, age 55 and older, that almost exactly mirrored those of happy couples, with the “us cards” crowd outnumbering the “me cards” crowd 52 to 31 percent.

Interestingly, the survey findings show that this does not correlate with baby boomers being happier with their significant other than millennials. In fact, when asked about their general relationship satisfaction, 85 percent of the younger generation reported being happy against just 73 percent of baby boomers.

TD Bank’s survey was conducted in July 2016 among 1,902 Americans age 18 and older who were currently in a relationship. Weighted by age, gender and region to reflect the U.S. population, the findings were released Sept. 12.

See related: How cohabitating couples can protect themselves financially, 6 credit card rules for newlyweds, How couples can pool miles, transfer points for award travel, More infographics

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Updated: 02-15-2019