Best Credit Card for Wedding Expenses

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W edding planning is likely to be one of the most exciting times of your life. Not only are you planning a huge event where all of your loved ones will gather together, but you’re also planning the start of your new life with your future spouse.

And while wedding planning may be an exciting time, it’s also an expensive one. According to The Knot, the average couple spent $28,000 on their wedding in 2021. And in high cost of living areas, even sticking to that budget can be a challenge.

The good news is that having the right credit cards in your wallet can help you save money and earn rewards for your wedding spending. No, it’s not going to lower your costs by any significant percentage. But when you’re spending that much, any extra bit counts.

Best Credit Cards for Wedding Expenses

There’s no shortage of excellent credit cards on the market, often offering impressive sign-up bonuses, cash back, and other perks. We’ve rounded up seven of our favorite credit cards for wedding expenses. Keep reading to learn more

Credit Cards

Best For

Annual Fee

Regular APR

Credit Score

Citi Double Cash

Cash back

$0

13.99% – 23.99%

Good/Excellent

Chase Sapphire Preferred

Honeymoon rewards

$95

15.99% – 22.99%

Good/Excellent

American Express Platinum

Welcome bonus

$695

15.99% – 22.99%

Good/Excellent

U.S. Bank Visa Platinum

0% interest

$0

$14.49% – 24.49%

Good/Excellent

Discover it Miles

First anniversary trip

$0

11.99% – 22.99%

Good/Excellent

American Express Gold

Bonus categories

$250

15.99% – 22.99%

Good/Excellent

Capital One Quicksilver Secured

Bad credit

$0

26.99%

Fair

1. Best for cash back – Citi Double Cash

Annual Fee

$0

Regular APR

13.99% - 23.99%

Credit required

Good/excellent

Annual Fee

$0

Regular APR

13.99% - 23.99%

Credit required

Good/excellent

The Citi Double Cash Card is one of the most popular cash back credit cards on the market because of its high rewards rate on every purchase. When you spend with your Citi Double Cash, you’ll get 2% back on every purchase. You’ll get the first 1% when you make the purchase, and the other 1% back when you pay it off. It’s a great way to make the most of your wedding spending.

The Citi Double Cash doesn’t come with a welcome bonus or many of the other perks that more premium cards have, but it does exactly what a cash back card should do. It also offers a few additional benefits, including identity theft solutions and special access to tickets on thousands of events, including presales.

Finally, if you’re looking for a card to put some of your wedding spending on while also taking advantage of a balance transfer, the Citi Double Cash might be the right option. This card offers 0% interest on balance transfers (but not purchases) for 18 months. 

Pros

  • 2% back on all purchases
  • No annual fee
  • 18-month intro APR for balance transfers

Cons

  • No sign-up bonus
  • Few other card perks
  • Introductory APR doesn’t apply to purchases

Pros

  • 2% back on all purchases
  • No annual fee
  • 18-month intro APR for balance transfers

Cons

  • No sign-up bonus
  • Few other card perks
  • Introductory APR doesn’t apply to purchases

 2. Best for honeymoon rewards – Chase Sapphire Preferred

Annual Fee

$95

Regular APR

15.99% - 22.99%

Credit required

Good/Excellent

Annual Fee

$95

Regular APR

15.99% - 22.99%

Credit required

Good/Excellent

If you’re looking for a credit card you can use to pay for your wedding expenses and help pay for the honeymoon, look for further than the Chase Sapphire Preferred. This card was designed with travel in mind, while still offering high rewards on your regular spending.

First, when you sign up for the Sapphire Preferred, you’ll get a 60,000 point signup bonus when you spend $4,000 in the first three months after opening your account. That 60,000 point equates to either $600 in cash or $750 when redeemed through the Chase Ultimate Rewards travel portal.

The Chase Sapphire Preferred also comes with the following spending rewards:

  • 5X points on travel purchased through Chase Ultimate Rewards
  • 2X points on other travel purchases
  • 3X points on dining, including delivery, takeout, and dining out
  • 3X points on online grocery purchases
  • 3X points on streaming services
  • 1X points on other spending

 

In addition to the welcome bonus and spending rewards, the Sapphire Preferred also comes with a few other perks. It offers a $50 annual hotel credit, trip cancellation/interruption insurance, rental car insurance, baggage delay insurance, trip delay reimbursement, purchase protection, extended warranty protection, and more.

Pros

  • High spending rewards
  • Large welcome bonus
  • 25% bonus on points redeemed through Chase Ultimate Rewards
  • Additional travel perks

Cons

  • $95 annual fee
  • No introductory APR
  • Low rewards on non-bonus categories
  • No travel lounge access

Pros

  • High spending rewards
  • Large welcome bonus
  • 25% bonus on points redeemed through Chase Ultimate Rewards
  • Additional travel perks

Cons

  • $95 annual fee
  • No introductory APR
  • Low rewards on non-bonus categories
  • No travel lounge access

3. Best welcome bonus – American Express Platinum

Annual Fee

$695

Regular APR

15.99% - 22.99%

Credit required

Good/Excellent

Annual Fee

$695

Regular APR

15.99% - 22.99%

Credit required

Good/Excellent

The American Express Platinum is one of the most popular premium credit cards on the market, and it’s easy to see why. First, this card offers a signup bonus you won’t find with any other credit card right now. The normal signup bonus is 100,000 points when you spend $6,000 in the first six months, and right now cardholders can get 125,000 points. Those points can be worth anywhere from 0.5 cents to 2.0 cents per point, depending on which redemption option you choose.

As far as spending rewards, the American Express Platinum has lower rewards for most purchases. You’ll get 5X points on flights and hotels booked through Amex, but only 1X points on other purchases.

That being said, what the Amex Platinum lacks in spending rewards, it makes up for with other perks. Here are some of the other benefits this card offers:

  • $200 annual hotel credit
  • $240 annual digital entertainment credit
  • $155 annual Warmart+ credit
  • Airport lounge access
  • $200 annual Uber credit
  • $200 annual airline fee credit
  • $300 annual Equinox credit
  • $100 annual Saks Fifth Avenue credit
  • $179 CLEAR credit
  • Global dining access by Resy
  • Fee credit for Global Entry or TSA Precheck
  • Marriott Bonvoy Gold Elite Status
  • Hilton Honors Gold Status
  • Rental car insurance 
  • Trip delay insurance
  • Trip cancellation insurance

Pros

  • High signup bonus
  • Many travel perks
  • Dining and shopping perks

Cons

  • High annual fee
  • Low rewards on most spending
  • Complicated rewards structure

Pros

  • High signup bonus
  • Many travel perks
  • Dining and shopping perks

Cons

  • High annual fee
  • Low rewards on most spending
  • Complicated rewards structure

4. Best for 0% interest – U.S. Bank Visa Platinum

Annual Fee

$0

Regular APR

$14.49% - 24.49%

Credit required

Good/Excellent

Annual Fee

$0

Regular APR

$14.49% - 24.49%

Credit required

Good/Excellent

The U.S. Bank Visa Platinum might be right for you if you’re looking to pay your wedding balance off over a longer period. This card offers the longest introductory APR of all the cards we looked at. You’ll pay 0% interest for the first 20 months after opening the card. That’s nearly two years to pay off your wedding with no interest!

It’s worth noting that while this card offers the longest introductory APR, that’s just about the only perk it offers. You won’t get a signup bonus or the spending rewards you might expect with another card, so you’ll have to decide which feature is most important to you.

Pros

  • 20-month introductory APR on purchase and balance transfers
  • No annual fee
  • Includes cell phone protection

Cons

  • No signup bonus
  • No spending rewards
  • Few other card perks

Pros

  • 20-month introductory APR on purchase and balance transfers
  • No annual fee
  • Includes cell phone protection

Cons

  • No signup bonus
  • No spending rewards
  • Few other card perks

5. Best for a first anniversary trip – Discover it Miles

Annual Fee

$0

Regular APR

11.99% - 22.99%

Credit required

Good/Excellent

Annual Fee

$0

Regular APR

11.99% - 22.99%

Credit required

Good/Excellent

The Discover it Miles is an excellent credit card for couples saving up for a big first anniversary trip. With this card, you get spending rewards throughout the year at a flat rate of 1.5 miles for every dollar you spent. And at the end of your first year, Discover will double your miles. 

For example, if you earn 50,000 miles in the first year — which you could easily do paying for wedding expenses — then Discover will double it so you have 1,000 points. That’s $1,000 to put toward a big trip.

Pros

  • 1.5X miles on all spending
  • Double the miles in the first year
  • No annual fee

Cons

  • No signup bonus
  • No bonus spending categories
  • Few other travel perks

Pros

  • 1.5X miles on all spending
  • Double the miles in the first year
  • No annual fee

Cons

  • No signup bonus
  • No bonus spending categories
  • Few other travel perks

6. Best for bonus categories – American Express Gold

Annual Fee

$250

Regular APR

15.99% - 22.99%

Credit required

Good/Excellent

Annual Fee

$250

Regular APR

15.99% - 22.99%

Credit required

Good/Excellent

The American Express Gold is one of the best overall credit cards when you look at the signup bonus, spending rewards, and other card perks. First, you’ll get 60,000 points when you spend $4,000 in the first six months. And they currently have a special going where you can earn 75,000 points. Those points are worth between 0.5 and 2.0 cents per point, depending on how you redeem them.

One of the biggest benefits of the Amex Gold is the spending rewards. Here are a few different ways you can earn points:

  • 4X points on dining, including restaurants, takeout, and delivery
  • 4X points on groceries
  • 3X points on flights
  • 1X points on other purchases

 

In addition to the signup bonus and spending rewards, the Amex Gold offers several other perks. For example, you’ll get a $120 annual Uber credit for either food delivery or rideshare services. You’ll also get a $120 annual dining credit to be used for other delivery services like Grubhub, Seamless, and Boxed. That’s $240 just in food delivery rewards.

Finally, other travel perks this card offers include rental car insurance, baggage insurance plan, no foreign transaction fees, and more

Pros

  • High signup bonus
  • Excellent food spending rewards
  • Additional travel perks

Cons

  • High annual fee
  • No introductory APR
  • Low rewards on non-bonus categories

Pros

  • High signup bonus
  • Excellent food spending rewards
  • Additional travel perks

Cons

  • High annual fee
  • No introductory APR
  • Low rewards on non-bonus categories

7. Best for bad credit – Capital One Quicksilver Secured

Annual Fee

$0

Regular APR

$26.99

Credit required

Fair

Annual Fee

$0

Regular APR

$26.99

Credit required

Fair

If you and/or your future spouse have below-average credit and can’t qualify for one of the other credit cards on our list, you might consider a secured credit card. With a secured card, you pay a deposit, which serves as collateral on the card. Then you can use the card as you would any other, and it slowly but surely builds your credit card. And eventually, you can upgrade to a non-secured card.

Most secured credit cards don’t offer any rewards to the cardholder. But the Capital One Quicksilver Secured stands out by offering spending on all of your purchases. You’ll get 1.5% cash back on every purchase, which can really add up over the course of a year, especially when you’re paying for a wedding.

Pros

  • 1.5% cash back on all purchases
  • Only requires fair credit
  • No annual fee

Cons

  • High interest rate
  • No signup bonus
  • Few other card perks

Pros

  • 1.5% cash back on all purchases
  • Only requires fair credit
  • No annual fee

Planning a memorable wedding can shake up your finances!

A delightful wedding experience can cost a pretty penny. With the wedding outfits, paying the caterers, and decorations, the arrangements can be stressful. Get ahead on your wedding budget planning with our FREE checklist and newsletter.

Should You Use a Credit Card to Pay For Your Wedding?

You might be wondering whether it’s really a good idea to use a credit card to pay for your wedding. After all, do you really want to start your new life together off in debt?

It’s true that you don’t want to start your marriage in credit card debt, but that doesn’t mean you can’t use a credit card. Instead, you can put all of your wedding purchases on a credit card and then pay it off each month (or before the card’s introductory APR ends). Not only is it easier to keep track of your purchases and take advantage of purchase protection, but you can also earn hundreds — if not thousands — of dollars in credit card rewards.

There are some serious downsides to carrying a balance on your wedding credit card instead of paying it off right away. First, you’ll be charged interest, which can really add up with an expensive event like a wedding. And unfortunately, that interest will likely exceed whatever rewards the card offers.

Don’t necessarily believe the negative hype you’ve heard around credit cards. If you use them responsibly, they can absolutely be worth it and you can avoid going into debt.

How to Choose the Best Credit Card for Wedding Expenses

At this point you’re probably wondering how you can choose between the credit cards we listed above (along with the many other credit cards on the market). We’ve rounded up a few tips to help you choose the best card.

1. Check your credit score

Each card has a minimum credit score requirement, and it’s really not worth applying to a card if you don’t meet the requirements. Not only are you likely to have your application denied, but it will also show up on your credit report as a hard inquiry, which can lower your credit score.

Before applying to any credit cards, run your credit score with a tool like Credit Karma. You can see what your credit score currently is and get a better idea of which cards you’ll qualify for. And most credit score tools even recommend specific cards based on your credit history.

2. Pay attention to the sign-up bonus

The signup bonus is one of the biggest perks most card offers. In fact, many travel hackers open cards just to take advantage of the signup bonuses. They can often equal hundreds — or even thousands — of dollars in perks. Cards regularly change their signup bonuses, to be sure to read up on the best current signup bonuses to take advantage of those offers.

3. Look at where you’re spending the most

Weddings are expensive across the board, but not every couple spends their money in the same places. Some might spend a lot of money on the venue and music, while others really invest in the food and drinks.

Different credit cards offer higher rewards in certain categories. For example, if you’re going to be spending the bulk of your budget on food, it may be worth it to sign up for a card that offers higher spending rewards on food.

4. Consider your post-wedding life

Chances are that you aren’t going to open a credit card just for your wedding and then close it immediately after. Instead, it’s worth looking for a card that also works for your post-wedding life. Consider what benefits you want in a card. Do you want cash back so you can save for a big purchase? Or would you rather have travel rewards to take a big annual vacation?

Also, just like with the wedding expenses, look at what areas of your life you spend the most money. You can then find a credit card that offers higher rewards in those categories.

Finally, be cautious about signing up for a card with a high annual fee because it has attractive perks for your wedding. While the $695 annual fee of the American Express Platinum might seem worth it the year you get married, it may not be worth it in future years unless you take advantage of most of the benefits. And you might even forget about the fee and have some sticker shock a year later when it’s automatically charged to your card.

The Bottom Line

Having the right credit card in your wallet while you’re wedding planning can help you to earn hundreds or thousands of dollars between the signup bonuses and spending rewards. Chances are you’ll be spending a lot of money during that time — often tens of thousands of dollars. It’s worth taking advantage of that opportunity to earn some serious credit card perks. While there are many rewards credit cards to choose from, the list above can serve as an excellent starting point.

Cons

  • High interest rate
  • No signup bonus
  • Few other card perks

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"‘Before you spend, earn. Before you invest, investigate. … Before you retire, save.’"

William A. Ward

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