Best Credit Cards For Wedding Expenses

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.

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MoneyLion can help you explore a wide variety of credit card options tailored to different needs and preferences, ensuring you find the perfect match for your wedding expenses.

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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

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

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

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

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

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

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

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.

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