Police are crediting the victim with the pair's arrest.
"The victim was diligent in contacting police with the locations where her financial card was being used," said Layton Police Lt. Shawn Horton.
Anthony Chavez, 48, from Utah County and Jamie Lucero, 37, from Salt Lake County, were booked into the Davis County Jail on suspicion of several felony counts, including residential burglary, unlawful possession of a financial card, six counts of unlawful use of a credit card, theft and possession of a stolen vehicle.
Lucero was also booked on one misdemeanor count of suspicion of giving false information to an officer.
The charges will be screened by the Davis County Attorney's Office.
A woman reported to police that someone had entered her garage and taken her purse from inside her car while she was at home early Thursday afternoon, Horton said.
The victim contacted police with the locations that her credit card was being used and the employee at one of the stores was able to provide police with a description of the suspects.
The last text alert the victim received from her financial institution indicated her credit card was being used at the Maverick Convenience Store, 2014 N. Hillfield Road, Horton said.
Officers responded and located the suspect vehicle in the parking lot. A male and female were in the car eating food from a restaurant where they had allegedly last used the victim's credit card.
Police say the vehicle the suspects were in was stolen out of South Jordan. It allegedly had a stolen out-of-state license plate. A stolen identification card belonging to someone in Salt Lake County was also found in the vehicle.
Lucero allegedly admitted to stealing the purse and using the victim's credit card several times, after the pair were read their rights.
Chavez refused to speak with investigators.
Horton said the initial investigation revealed Chavez and Lucero may have been involved in numerous burglaries and financial crimes in several jurisdictions.