6 Best Credit Cards for Wedding Expenses

Planning for a wedding can be challenging, expensive, and time-consuming, but you can use the best credit cards for the wedding to cover wedding expenses. The cost of a wedding may frighten you, but you can reduce wedding expenses by using credit card rewards and perks.

According to an annual survey by the Knot, the average cost of a wedding is around $33,900. But a credit card can save you several hundred dollars for your wedding purchases.

As the wedding date comes closer, you have many questions in your mind like – how many guests should we invite? Should we offer beverages? Should we get married in another country? But one important question is, “Should we use a credit card to cover wedding expenses?

The best card for wedding expenses can help you in many ways. You earn reward points or cash back to cover some of the cost or even you can cover your honeymoon cost.

So let’s find out which is the best credit card for wedding expenses.

Should You Use Best Credit Cards for Wedding?

You should consider a credit card if the photographer, venue, and florist all accept credit cards. When you spend money on different expenses, you earn rewards or cash back. The rewards you earn can help you cover the high costs of your wedding expenses.

Explore the Best Credit Cards for Wedding Expenses

The perfect credit card for your wedding expenses should be compatible with your different expenses. Here are the details of all wedding cards as per category.

1. Best Credit Card for Wedding Essentials: Citi Double Cash® Card

Citi Double Cash® Card

The Citi Double Cash® Card is a superb cash back reward credit card with a$0 annual fee. You earn 2% unlimited cash back on every purchase. You earn rewards for every amount you spend.

Unlimited 2% cash back on all purchases is a solid deal when you are making payments in different categories, like paying for bands, DJs, or buying flowers. There are no capping and category restrictions.

The card comes with a welcome bonus of $200 cash back after you spend $1,500 on purchases within the first 6 months of account opening.

Also, you get 0% APR for 18 months on balance transfers, after that, a variable APR of 19.24% – 29.24% will apply based on your creditworthiness.

1% cash back on every purchase and another 1% back when you pay the bill.

The Rewards

  • You earn 2% cashback on every purchase.
  • 1% cash back on every purchase and 1% cash back during bill payment.
  • There is no capping and no restrictions on reward points.

Card Details

  • Annual fee: $0
  • Welcome Bonus: Earn $200 cash back after you spend $1,500 on purchases within the first 6 months of account opening.
  • Annual APR: 19.24% – 29.24% Variable
  • The card has no annual fee.
  • You earn 2% cash back on every purchase.
  • 0% intro APR for 18 months on balance transfer.
  • There is no limit on the cash back you earn.
  • No 0% intro APR on purchases.
  • Foreign transaction fee.

» MORE: Best Credit Card to Book Flights

2. Best Credit Card for Honeymoon Expenses: Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is a must have credit card for travelers. The card has an annual fee of $95 and stands out as the most valuable travel credit card.

You earn a total 5X points on travel purchases through Chase Ultimate Rewards®. You also earn 3X points on dining and 2X on all other travel purchases.

The card comes with a sign-up bonus of 60,000 points you could earn just with your wedding expenses. You can transfer your points to a frequent traveler program at a 1:1 ratio.

If you are sharp at travel hacking, then you can get travel benefits to your honeymoon destination for free.

The card would really help you in lowering the overall cost of your honeymoon trip. One great thing about the Chase Sapphire Preferred® Card is that it has no foreign transaction fees.

The Rewards

  • You earn a total of 5X points on travel purchases through Chase Ultimate Rewards.
  • Earn 3X points on dining including eligible delivery services, takeout, and dining out.
  • Earn 3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs).
  • Earn 2X points on all other travel purchases.
  • Earn 1X points on all other purchases.

Card Details

  • Annual fee: $0.
  • Welcome Bonus: You earn 60,000 bonus points after you spend $4,000 on purchases within the first 3 months of card activation or account opening.
  • Annual APR: 21.49%–28.49% variable.
  • High rewards on various categories.
  • There are bonus categories.
  • You can transfer points to travel partners at 1:1 ratio.
  • Flexible rewards redemption options.
  • High annual fee.
  • No intro APR.

3. Best Credit Card for Entertainment: Capital One Savor Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card

The Capital One Savor Cash Rewards Credit Card is a great choice for foodies and people who like to have some good time. You can use this card for major wedding expenses like the venue, entertainment, and decor.

You earn unlimited 3% cash back on dining, entertainment & popular streaming services, and 3% at grocery stores. The card has no foreign transaction fee.

If you started your wedding planning early enough then this can’t be useful for your major wedding expenses like dining, entertainment, and decoration. The 3% cashback will cover all your major expenses.

However, the annual fee may frighten you but the high cashback road in the dining and entertainment category makes this credit card work.

The Rewards

  • You Earn 3% unlimited cashback on dining entertainment and popular streaming services.
  • Earn 3% cashback at grocery stores.
  • You earn 1% on all other purchases.
  • Earn 10% cashback on purchases on Uber and Uber Eats.
  • Earn 5% cash back on hotels and rental cars booked through Capital One Travel.

Card Details

  • Annual Fee: $0.
  • Welcome Bonus: You earn a $200 cash bonus after you spend $500 on purchases in the first 3 months of account opening.
  • Annual APR. 19.99% – 29.99% variable APR
  • The card has no foreign transaction fee.
  • High rewards on dining and entertainment.
  • Decent sign-up bonus.
  • Easy to redeem cash rewards back.
  • High annual APR.
  • Require Excellent/Good Credit.

» MORE: Best Travel Credit Card for Beginners

4. Best Credit Card for 0% APR: Wells Fargo Reflect® Card

Wells Fargo Reflect® Card

If you don’t have the cash in your hand to pay for your expenses then the wealth for go reflect the credit card is a great pic for you to be of a large purchase. The card comes with a $0 annual fee and offers 0% intro APR for 21 months on purchases and balance transfers from the account opening.

This card is considered one of the best balance transfer credit cards in the market today. This is due to the long length of its introductive APR offer.

However, the card doesn’t earn rewards but the interest you will see during the first 21 months can be the best value for your large wedding purchases.

Rewards: None

Card Details

  • Annual fee: $0
  • Welcome Bonus: None
  • Annual APR: 0% intro APR for 12 months from account opening, thereafter 8.24%24.74% or 29.99% variable APR will apply.
  • Credit Needed: Excellent/Good
  • Foreign Transaction Fee: 3%
  • There is no annual fee.
  • 0% intro APR for first 21 months.
  • No rewards.
  • No welcome bonus.
  • Foreign transaction fee of 3%.

5. Best Credit Card for Travel: American Express® Gold Card

American Express® Gold Card

The American Express® Gold Card is a great choice before and after the wedding. The card offers 4X at restaurants worldwide, 4X points at grocery stores, and 3X points on flights booked with airlines or on amextravel.com. The card also offers a $120 dining credit for a nice night out while on your honeymoon.

Cardholders also get up to $120 Uber Cash (automatically get $10 each month) that can be used on US Uber Eats and rides.

The card welcomes you with 90,000 Membership Rewards® Points after you spend $6,000 within the first 6 months of account opening.

The card introductory APR offer may cover some of your travel and honeymoon costs. The 3X points on grocery stores also make it an excellent card to keep in your wallet during travel.

Rewards

  • You earn 4 Membership Rewards points per $1 spent at restaurants worldwide, takeout and, delivery in the U.S.
  • Earn 4 Membership Rewards points per $1 spent on groceries at U.S. supermarkets on purchases up to $25,000 per year.
  • Earn 3 Membership Rewards points per $1 spent for flights booked directly with airlines or with amextravel.com.
  • Earn 1 point per $1 spent on all other categories.

Card Details

  • Annual Fee: $250
  • Welcome Bonus: Earn 90,000 Membership Rewards Points after you spend $6,000 on purchases in the first 6 months of account opening.
  • Annual APR: 21.24% to 29.24% variable
  • Credit level: Excellent/Good
  • High rewards on various categories.
  • Bonus categories.
  • You can transfer with many partners.
  • There is no foreign transaction fee.
  • You can choose card design from Gold to Rose.
  • The annual fee is higher side.
  • No lounge benefits.
  • High APR.

6. Best Credit Card for DIY Wedding Projects: Bank of America® Customized Cash Rewards Credit Card

Bank of America® Customized Cash Rewards Credit Card

The Bank of America® Customized Cash Rewards credit card is one of the best cashback rewards credit cards for different categories. Newlywed can consider this card for new homeowners and interior experts because the card offers cash back rewards in different categories.

The card has a $0 annual fee and offers 3% cash back in the category of online shopping, dining, travel, drug stores, and home improvement and furnishings) of your choice, 2% cash back at grocery stores & wholesale clubs, and 1% cash back on all other purchases.

The 3% cash back category has a lot of options you can choose from according to your choice. This card is good for those who can increase their rates with the Bank of America®

Rewards

  • You earn 3% cash back in the category of your choice. These categories are:
    • Online shopping
    • Gas & EV Charging Stations
    • Dining
    • Travel
    • Drug Stores
    • Home Improvement & Furnishings
  • You earn 2% cash back at grocery stores and wholesale clubs.
  • You earn unlimited 1% cashback on all other purchases.

Card Details

  • Annual Fee: $0
  • Welcome Bonus: You earn a $200 online cash rewards bonus after you make $1,000 on purchases within the first 3 months of account opening.
  • Annual APR: 18.24% – 28.24% Variable
  • Credit Needed: Excellent/Good
  • There is no annual fee.
  • Decent reward earning on various categories.
  • You can change 3% cashback bonus category.
  • Bonus categories.
  • High balance transfer fee.
  • Bonus rewards points have capping.
  • Complicated reward structure.

» MORE: Best Cash Advance Credit Card

Other Credit Cards to Consider

You can consider these cards to cover your wedding costs:

  • Best credit card for Welcome Offer: American Express Platinum Credit Card
  • Best Card for Introductory 0% APR: Discover it® Miles
  • Best overall credit card for wedding expenses: Capital One Venture Rewards Credit Card
  • Best card if your wedding venue is in a hotel: Citi Premier® Card

Tips for Choosing a Wedding Credit Card for You

Choosing an ideal credit card for your wedding expenses mainly depends on two things, what are your large expenses and how do you want rewards?

There are a lot of credit cards in the market that award couples with many perks and rewards. If you are going to spend on large purchases and want to earn rewards, then you must choose a card that offers bonuses, cash back, and rewards on every purchase. You can consider these cards:

  • General Wedding spending: Citi Double Cash® Card for 2% cash back on everything you spend.
  • Honeymoon costs and Travel: Chase Sapphire Preferred® Card for frequent flyer miles.
  • Hotels: Citi Premier® Card for bonus points on hotel stays.
  • Dining & Entertainment: Capital One Savor Cash Rewards Credit Card for 4% back.
  • 0% APR: Wells Fargo Reflect® Card.

You can also consider a card that offers a combination of benefits. You can choose a card that earn rewards on groceries and travel purchases and a card that earn rewards on dining and entertainment categories. Keep in mind that every card you choose will affect your credit score.

Bottom Line – Best Credit Cards for Wedding Expenses

You should use the best credit cards for wedding expenses as a tool and not free money. When choosing a credit card to cover your wedding costs, consider signing a card that offers rewards and bonuses in major spending categories such as dining, entertainment, travel, etc.

Do conversations with your future spouse on wedding expenses and make sure that you choose a right credit card that covers major wedding expenses.

Best Card for Wedding Related FAQs

Should you get a credit card for wedding?

You should consider a credit card if the photographer, venue, and florist all accept credit cards. When you spend money on different expenses, you earn rewards or cash back.

Which is the best credit card for newlyweds?

The Bank of America® Customized Cash Rewards credit card is one of the best cash back rewards credit cards for different categories. Newlywed can consider this card for new homeowners and interior experts because the card offer cash back rewards in different categories.

What are the best credit cards for wedding expenses?

These are the best credit cards for wedding planning:
1. Citi Double Cash® Card
2. Chase Sapphire Preferred® Card
3. Capital One Savor Cash Rewards Credit Card
4. Wells Fargo Reflect® Card
5. American Express® Gold Card
6. Bank of America® Customized Cash Rewards Credit Card

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