Are you gearing up for the big day? Congratulations! Getting married is an exciting milestone, but planning a wedding can also come with a hefty price tag. To help you save money and maybe even score some rewards, we've compiled a list of the best credit cards to open for your wedding expenses. So say "I do" to financial savvy by making the most of these credit card offers!
Best Credit Cards To Open For Wedding Table of Contents
What to Look for in a Wedding Credit Card
2. American Express Blue Cash Preferred
What to Look for in a Wedding Credit Card
Before diving into our credit card recommendations, let's explore the factors you should consider when choosing a wedding-focused credit card:
1. Sign-up bonus: Many cards offer lucrative sign-up bonuses for new cardholders. Look for a card with a substantial bonus that you can make use of for your honeymoon or future plans.
2. Rewards rate: How much cash back or rewards points do you earn per dollar spent? Prioritize cards with higher rewards rates that help you maximize your wedding spending.
3. Annual fee: Some credit cards come with annual fees, which may cut into your rewards or savings. Consider this expense when weighing the benefits of each card.
4. Interest rates: While it's always best to pay off your credit card balance every month, make sure you're aware of the interest rates and plan accordingly, particularly if you're anticipating carrying a balance after the wedding.
With those factors in mind, let's dive into the top credit cards for your wedding expenses!
1. Chase Sapphire Preferred
This popular travel rewards card is ideal for couples planning a honeymoon getaway. The sign-up bonus provides a significant boost toward travel rewards when you meet the spending requirement.
- Earn a generous sign-up bonus after meeting minimum spending requirements
- Earn 2 points per dollar on travel and dining purchases, and 1 point per dollar on all other purchases
- No foreign transaction fees
- Annual fee: $95
2. American Express Blue Cash Preferred
With an exceptional cash-back rate on everyday spending categories, this card is a great option for couples preparing for their wedding and a growing household.
- Earn a generous sign-up bonus after meeting minimum spending requirements
- Earn 6% cash back on groceries, 3% on gas and transportation, and 1% on all other purchases
- 0% intro APR on purchases for the first year, then a variable rate afterward
- Annual fee: $95 (waived the first year)
3. Capital One Venture Rewards
Another excellent option for travelers, the Capital One Venture Rewards card offers a beneficial rewards program with flexible redemption options.
- Earn a substantial sign-up bonus after meeting minimum spending requirements
- Earn 2 miles per dollar on all purchases
- No foreign transaction fees
- Annual fee: $95
4. Citi Double Cash Card
This no-annual-fee card offers a competitive cash-back rate on all purchases, making it an attractive option for couples looking to earn rewards without the burden of an annual fee.
- No sign-up bonus
- Earn 1% cash back on all purchases, plus an additional 1% when you pay your balance
- 0% intro APR on balance transfers for the first 18 months, then a variable rate
- No annual fee
Best Credit Cards To Open For Wedding Example:
Let's say you're getting married and have a budget of $20,000 for your big day. If you use the Chase Sapphire Preferred card, you'll earn double points for every dollar spent on the wedding, giving you 40,000 rewards points. These points can be worth $500 in travel rewards, or you can redeem them for cashback, gift cards, or more.
Meanwhile, the sign-up bonus can add even more value. If you obtain the bonus by achieving the minimum spending requirements, you'll score additional points, which go a long way toward funding your honeymoon or helping with post-wedding expenses.
With all the excitement of planning a wedding, don't forget to ensure your finances are in tip-top shape. Opening a credit card tailored for wedding expenses can help you maximize rewards and minimize costs, putting you on the path to happily ever after.
Don't miss out on more valuable tips and advice for your financial journey—share this article with fellow soon-to-be newlyweds, and explore other Flik Eco guides for essential personal finance and investing insights!
