Planning the perfect wedding can be overwhelming, especially when it comes to managing expenses. It's no secret that weddings can be pricey, but did you know that choosing the right credit card could help alleviate some of that financial stress and even reward you for your big day? In this post, we'll explore the best credit cards for weddings, and how using them can offer you valuable perks and rewards to make your special event more budget-friendly and memorable.
Best Credit Cards For Weddings Table of Contents
Why Use a Credit Card for Wedding Expenses?
There are several reasons why using a credit card for wedding costs is a smart move:
- Rewards and perks: Many credit cards offer rewards, such as cash back, points, or travel miles for every dollar spent. You can use these rewards to offset the cost of your wedding or redeem them later for a well-deserved honeymoon.
- Interest-free financing: Some credit cards offer a 0% introductory APR on purchases for a fixed period, allowing you to finance your wedding expenses without paying interest.
- Extra protection: Credit cards often come with consumer protections, such as fraud protection and purchase protection, which can come in handy when dealing with wedding vendors.
Top credit cards for weddings
1. Chase Sapphire Preferred® Card
Perfect for couples dreaming of an unforgettable honeymoon, the Chase Sapphire Preferred Card offers an attractive sign-up bonus and excellent travel rewards:
- 60,000 bonus points after spending $4,000 in the first 3 months
- 2X points on travel and dining at restaurants worldwide
- 25% more value when redeeming points for travel through the Chase Ultimate Rewards
- Transfer points to leading airline and hotel loyalty programs
2. Discover it® Cash Back
The Discover it Cash Back card is perfect for those who want to maximize cash back rewards on their wedding expenses:
- Unlimited 1% cash back on all purchases
- 5% cash back in rotating categories, such as Amazon.com, grocery stores, gas stations, and restaurants (up to $1,500 quarterly)
- Cashback Match™: Discover will automatically match all the cash back you earned at the end of your first year
- No annual fee
3. American Express® Gold Card
If your wedding involves a lot of dining and travel expenses, the American Express Gold Card offers a multitude of rewards and benefits:
- 4X Membership Rewards points on dining at restaurants worldwide, including takeout and delivery
- 3X points on flights booked directly with airlines or on amextravel.com
- Receive a $100 statement credit for incidental airline fees yearly
- $120 dining credit ($10 monthly) at select restaurants
Best Credit Cards For Weddings Example:
Suppose your wedding expenses reach $15,000, and you decide to use the Chase Sapphire Preferred Card for your purchases. By meeting the $4,000 spending requirement within the first three months, you'll earn 60,000 bonus points, which are worth $750 when redeemed for travel through Chase Ultimate Rewards. Additionally, you'll earn 2X points for dining and travel expenses, increasing the value of the points you collect. This could help you save a significant amount on your honeymoon or other future travel plans.
Weddings are undoubtedly magical, once-in-a-lifetime events, but they don't have to break the bank. By choosing the right credit card for your wedding expenses, you can take advantage of rewards, perks, and protections that help make your big day more financially feasible. Don't forget to share this guide with your soon-to-be-married friends and explore other money-saving tips on Flik Eco. Happy wedding planning and cheers to a lifetime of love and financial prosperity!
