Update: The information below was correct at the time of publishing, but one or more offers are no longer available. Please visit the issuer website for up-to-date information.
Your wedding day is supposed to be one of the happiest days of your life, but it can also be one of the most expensive. Enter the credit card — a modern knight in shining plastic. The right credit card can help you manage those steep wedding costs, earn rewards, and maybe even score a dreamy honeymoon without maxing out your savings.
However, not all credit cards are created equal, and some may not be the right fit. So, let’s dive into some of the best credit card for wedding expenses.
8 Best credit cards for wedding expenses
Now that we’ve set the stage, let’s cut to the chase and dive into the 8 of the best credit cards to make your wedding dreams come true without turning your finances into a nightmare. From big spenders to savvy savers, there’s a card on this list for everyone. So grab a pen and notepad because you’ll want to jot these down.
1. Best for Big Spenders: Chase Sapphire Preferred® Card
Source: chase.com
The Chase Sapphire Preferred® Card is like the Rolls-Royce of credit cards regarding wedding expenses. With a killer rewards program and generous sign-up bonus, it’s perfect for those planning to spend big.
Credit score needed: Excellent (700+) | Purchases intro APR:0% for 12 months |
|---|---|
Intro bonus:60,000 points after spending $4,000 in the first three months | Cash advance fee:5% (minimum $10) |
Annual fee:$95 | Balance transfer fee:5% (minimum $5) |
Regular APR:21.49% to 28.49% | Foreign transaction fee:None |
Pros
High sign-up bonus
Strong rewards on travel and dining
No foreign transaction fees
Cons
Annual fee
Requires excellent credit
High balance transfer fee
2. Best for Rewards: American Express® Gold Card
Source: americanexpress.com
If you’re all about the rewards, the American Express® Gold Card should be your go-to. It offers fantastic points on dining and groceries — perfect for those pre-wedding feasts and post-wedding brunches.
Credit score needed: Good to Excellent (700+) | Purchases intro APR: N/A |
|---|---|
Intro bonus: 60,000 points after spending $6,000 in the first six months | Cash advance fee: $10 or 5% |
Annual fee: $250 | Balance transfer fee: N/A |
Regular APR: 21.24% to 29.24% variable | Foreign transaction fee: None |
Pros
Excellent rewards on dining and groceries
No foreign transaction fees
Valuable membership rewards points
Cons
High annual fee
No intro APR on purchases
Requires good to excellent credit
3. Best for Cashback: Citi® Double Cash Card
Source: citi.com
Keep it simple and profitable with the Citi® Double Cash Card. With this card, you earn cash back on everything, making it an excellent option for wedding expenses.
Credit score needed: 670 — 850 (Good to Excellent) | Purchases intro APR: 0% for 18 months |
|---|---|
Intro bonus: None | Cash advance fee: $10 or 5% |
Annual fee: None | Balance transfer fee: 3% |
Regular APR: 19.24% — 29.24% variable | Foreign transaction fee: 3% |
Pros
No annual fee
Long 0% intro APR period
Simple cashback rewards
Cons
No sign-up bonus
Foreign transaction fee
Requires good to excellent credit
4. Best for Travel Perks: Capital One Venture Rewards Credit Card
Source: capitalone.com
For those dreaming of a honeymoon abroad, the Capital One Venture Rewards Credit Card is your best bet. It offers stellar travel rewards and no foreign transaction fees.
Credit score needed: Good to Excellent (700+) | Purchases intro APR: N/A |
|---|---|
Intro bonus: 75,000 bonus miles after spending $4,000 in the first three months | Cash advance fee: $10 or 3%, whichever is greater |
Annual fee: $95 | Balance transfer fee: $0 at the regular APR |
Regular APR: 19.99% — 29.99% variable | Foreign transaction fee: None |
Pros
Great travel rewards
No foreign transaction fees
Annual fee waived first year
Cons
Annual fee after first year
Requires excellent credit
High APR after the intro period
5. Best for Flexible Rewards: Discover it® Miles
Source: Discover.com
The Discover it® Miles card is perfect for those who want flexibility in using their rewards. Earn miles on every purchase, which you can then use for travel or as a statement credit.
Credit score needed: Good to Excellent (670+) | Purchases intro APR: 0% for 14 months |
|---|---|
Intro bonus: Match all miles earned in the first year | Cash advance fee: 5% (minimum $10) |
Annual fee: $0 | Balance transfer fee: 3% |
Regular APR: 18.24% to 28.24% | Foreign transaction fee: None |
Pros
No annual fee
Flexible rewards redemption
Generous first-year bonus
Cons
Requires good to excellent credit
Foreign transaction fee
No high sign-up bonus
6. Best for Balance Transfers: Wells Fargo Platinum Card
If you’re looking to transfer a balance and avoid interest on new purchases, the Wells Fargo Platinum Card is a solid choice.
Credit score needed: Good to Excellent (670+) | Intro balance transfer APR: 0% intro APR for 18 months from account opening |
|---|---|
Intro bonus: None | Balance transfer fee: 3% within the first four months, then 5% |
Annual fee: $0 | Cash advance fee:Varies |
Regular APR: 16.49% — 24.49% variable | Foreign transaction fee: 3% |
Pros
No annual fee
Long 0% intro APR period
Solid balance transfer terms
Cons
No rewards program
Requires good to excellent credit
Foreign transaction fee
7. Best for Low Interest: U.S. Bank Visa® Platinum Card
Source: usbank.com
The U.S. Bank Visa® Platinum Card offers one of the longest 0% APR periods, making it ideal for paying off large wedding expenses over time.
Credit score needed: Good to Excellent (670+) | Purchases intro APR: 0% for 21 billing cycles |
|---|---|
Intro bonus: N/A | Cash advance fee: $5 or 3%, whichever is greater |
Annual fee: $0 | Balance transfer fee: 3% |
Regular APR: 18.74%-29.74% variable | Foreign transaction fee: 3% |
Pros
Long 0% intro APR period
No annual fee
Low balance transfer fee
Cons
No rewards program
Requires good to excellent credit
Foreign transaction fee
8. Best for Everyday Spending: Blue Cash Preferred® Card from American Express
Source: americanexpress.com
If you’re looking for a card that offers fantastic rewards on everyday spending, the Blue Cash Preferred® Card from American Express is your best bet.
Credit score needed: Good to Excellent (670+) | Purchases intro APR: 0% for 12 months |
|---|---|
Intro bonus: $250 statement credit after spending $3,000 in the first six months | Cash advance fee: $10 or 5%, whichever is greater |
Annual fee: $95 (waived for the first year) | Balance transfer fee: $5 or 3% |
Regular APR: 19.24% to 29.99% variable | Foreign transaction fee: 2.7% |
Pros
High rewards on groceries and streaming services
Annual fee waived first year
Strong intro bonus
Cons
Annual fee after first year
Requires good to excellent credit
Foreign transaction fee
Should you get a credit card for your wedding?
Absolutely. Smartly using a wedding credit card can provide numerous benefits, from earning rewards to managing cash flow. Here are a few key advantages:
Earn Rewards: Many cards offer points, miles, or cashback on purchases, which can add up significantly when paying for wedding expenses.
Introductory APR: Enjoy interest-free periods to help manage costs without incurring interest.
Sign-up Bonuses: Many cards offer substantial bonuses that can be redeemed for travel, gifts, or even statement credits.
How to choose the best credit card for wedding expenses
Finding the best credit card for your wedding expenses isn’t just about picking the first card that promises the moon. It’s about strategic decision-making. Here are the key factors you need to consider to ensure you get the most bang for your buck:
Compare rewards programs: Look at what each card offers regarding points, miles, or cashback. Choose a card that aligns with your spending habits and will give you the maximum return on your wedding purchases. Learn more about comparing credit cards.
Consider sign-up bonuses: Many credit cards offer lucrative ones if you meet a certain spending threshold within the first few months. This can be a huge boost, especially when you spend much on wedding expenses.
Check interest rates: Pay attention to the APR (Annual Percentage Rate). Some cards offer 0% introductory rates for a set period, which can be beneficial if you need to carry a balance for a few months.
Evaluate annual fees: Some of the best credit cards have annual fees, but they can be worth it if the rewards and perks outweigh the cost. Make sure to calculate whether the benefits justify the fee.
Assess travel perks: If you’re planning a honeymoon, look for cards that offer travel rewards, no foreign transaction fees, and other travel-related benefits. This can make your post-wedding vacation more affordable and enjoyable.
Swipe Right on the Best Wedding Credit Cards
Choosing the right credit card for your wedding expenses can make a difference. Whether you’re looking for big rewards, low interest rates, or travel perks, a card exists to match your needs. Remember to compare rewards programs, consider sign-up bonuses, check interest rates, evaluate annual fees, and assess travel perks to find your perfect financial match.
FAQs
Are there credit cards specifically designed for wedding costs?
While there aren’t cards exclusively for wedding expenses, many offer benefits that can be highly advantageous when planning a wedding, such as rewards on large purchases, 0% APR intro periods, and significant sign-up bonuses.
Which credit cards offer the best rewards for wedding-related purchases?
Cards like the Chase Sapphire Preferred® and American Express® Gold Card offer excellent rewards on dining and travel, making them great choices for wedding-related spending.
What credit score do I need to qualify for the best wedding expense cards?
Most top cards require a good to excellent credit score, typically 670 and above. It’s essential to check your credit score and review the card’s requirements before applying.
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