When it comes to love and money, not every couple follows the same rules. While some couples decide to combine their finances and share things like their credit score and credit cards, others prefer to keep things separate.

Whatever your case may be, know that being on the same page about how you handle money is an important conversation to have in any relationship — well before you get married.

CNBC Select spoke to five financial experts about their personal credit card strategies and how they manage money with their partners.

Roger Ma, a certified financial planner at lifelaidout® and author of“Work Your Money, Not Your Life,” manages money jointly with his spouse. They share the same checking, savings and credit card accounts.

Their credit card strategy? Keep it simple. Ma and his spouse stick to using only one card for majority of their monthly spending, unless it’s for basics on Amazon.

“Most of our spending — which has traditionally revolved around dining out, travel and transportation — goes on our main joint credit card (Chase Sapphire Preferred® Card),” he tells CNBC Select. When he opened the Sapphire Preferred, Ma added his spouse as an authorized user for free.

“For any purchases we make on Amazon or in drugstores, we use the Amazon Prime Rewards Visa Signature Card,” he says. “And then for business expenses, I have my own credit card (Chase Sapphire Reserve®).”

In the past, Ma and his spouse have also applied for new credit cards to take advantage of their generous sign-up bonus offers. For their wedding, they opened up three new cards and used the welcome points they earned to help pay for their vacation.

Ma has a strategy when it comes to redeeming his rewards, such as the 2X points he earns on travel and dining on his Sapphire Preferred and the 3X points he earns on travel and dining on his Sapphire Reserve (plus 1X points on all other purchases on both cards).

“Periodically, I transfer the Ultimate Rewards® points from the Chase Sapphire Preferred to the Chase Sapphire Reserve account because it’s more advantageous to redeem Ultimate Rewards points via the Chase portal using the Reserve,” he says.

With Chase’s new Pay Yourself Back feature, cardholders can now get 25% more value on the Sapphire Preferred and 50% more value on the Sapphire Reserve with points that are redeemed for statement credits on purchases at grocery stores, dining and home improvement stores.