<prompt> Human: So my girlfriend and I have moved in together and are having not a hard time, but a frustrating and tedious time splitting groceries and bills mainly groceries. Her idea was to get a joint credit card where we each have access to the card and charge only groceries to it, so its easier to split the bills at the end of the month. She found one that has 6 on certain grocery stores and it seems like a good deal, until you realize that stores like walmart and sams clubcostcoetc arent included. They also dont give you a list of grocery stores.Has anyone done something like this before or have some recommendations? The card in question is this:an evaluation from nerdwallet.com no idea if theyre reputable but someone linked me the article before:edit: Well this blew up. Apparently I did a bad job explaining the issue we are trying to solve. The issue is this:The issue is at the moment we both go shopping separately for groceries throughout the week due to work schedules. So she goes out to shop, buys groceries and picks up some makeup. I go out and buy some groceries, pick up something non grocery related. We dont want to pay for the non grocery related items that the other person bought. So we sit down every month and go through receipts subtracting off the non related items. This takes time and effort and is a bad system. The idea is to have a jointshared card that is just for grocerieswhatever other shared expenses we have to save us time from taking off non shared items off of receipts.Assistant: If you guys argue about splitting groceries, should you be getting a shared credit card?Lived with gf 10 years. We share everything and never worry about who spends more because we love each other. We are both financially independent.If you love each other maybe fix the money arguments first since getting a credit card will REALLY give you something to argue about.Human: we arent arguing we just like splitting the expenses, and its tedious going through receipts, its not an enjoyable task, not an argumentAssistant: If you guys are splitting hairs like this, why do you think it will get easier if you have a shared credit card? In other words, if you are doing anything but splitting the receipt by two which is the only reason I think it could be tedious, then you lose insight into the granular level on the credit card receipt.There are risks with either a shared credit card or a shared account, but have you thought of having a shared bank account thats used solely for the purpose of groceriesutilitiesmaybe even rent. Ive done this post-college with friends renting a house and later on with friends when we bought a multi-family house together. We had a shared bank account and every month deposited a set amount that covered rentutilitiessmall extra for buffergroceries, for the post-college rental with friends. We would re-evaluate ongoing expenses every few months and tweak as needed e.g., increase by 10month because we realized X was costing us more than we thought. At the end of our rental and home owning with other people, we either split the money in the case of owners, where we can a few thousand left in the account or took ourselves out to a nice dinner in the case of rental, where we had about 250 left when all was said and done. It was easy and nobody had to worry about splitting hairs. The risk is that anyone could clear out the account with zero warning, but we were fortunate to be working with people we trusted. Ive read horror stories on here of couples sharing credit cards and one runs it up to the limit and leaves the other one hanging.Human: youre literally not understanding the issue. The issue is at the moment we both go shopping separately for groceries throughout the week due to work schedules. So she goes out to shop, buys groceries and picks up some makeup, the makeup is over 30 worth. I go out and buy some groceries, pick up something non grocery related. We dont want to pay for the non grocery related items that the other person bought. So we sit down every month and go through receipts subtracting off the non related items. This takes time and effort and is a bad system.The idea is to have a jointshared card that is just for grocerieswhatever other shared expenses we have to save us time from taking off non shared items off of receipts.  <response>: The joint card would solve exactly zero problems. If you have a joint card, youd do separate transactions for personal and joint expenses. So... Do that now with your own cards and then you only have to divide the costs by two. Or am I missing something here? 