Congratulations, you’re getting married!
Few things are more exciting in life than a wedding, but when it comes to planning a wedding, the costs can quickly add up. From the venue to the catering, from the dress to the flowers, it seems like almost everything costs money.
One way to help offset some of these costs is by strategically using credit cards for wedding expenses (just make sure you stick to the budget and only use the credit card for the benefits of the points — the last thing you want is to start off your new married life in a mountain of debt!)
Credit cards offer a variety of rewards and benefits that can be helpful when planning a wedding. Finding the best credit cards for weddings is a hugely beneficial thing to stretching your dollars out further in preparation for the big day.
So what is the best credit card for wedding expenses? We’ve done the research for you and found the top 5 best credit cards that you can use to prepare for your wedding, honeymoon, and newlywed life.
What is the best credit card for wedding Expenses?
Without further ado, here is the best credit cards for weddings, based on their rewards programs, travel perks, terms and other benefits.
- Chase Sapphire Preferred® Card
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Chase Sapphire Preferred Card
The Chase Sapphire Preferred Card is one of the best credit cards for weddings, thanks to its generous rewards program and wide range of benefits.
The card offers two points per dollar spent on travel and dining out, and one point per dollar on all other purchases. Points can be redeemed for cash back, gift cards, or travel reservations.
Plus, cardholders enjoy a host of other benefits, including trip cancellation/interruption insurance, baggage delay insurance, and purchase protection.
Rewards
- 5 points for every $1 spent through Chase Ultimate Rewards
- 3 points for every $1 spent on restaurants, dining, and eligible takeout
- 3 points for every $1 spent on streaming services (select services)
- 3 points for every $1 spent on many online grocery stores (doesn’t include WalMart, Target, or wholesale stores like Costco)
- 2 points for every $1 spent on any travel purchases outside of Chase Ultimate Rewards
- 1 point for every $1 spent on every other purchase made (outside of the special categories)
Sign Up Bonus
You can earn 60,000 points after your initial sign-up if you spend at least $4000 in the first 3 months after you open your account (equal to $750 in travel when redeemed through the Chase Ultimate Rewards program).
Annual Fee
$95 annually
APR
18.99%-25.99% Variable APR
Why I like it
The sign-up bonus is fantastic and will be easily attained by paying for your wedding expenses. You can even transfer points to a frequent traveler program (participating partners only) at a 1:1 ratio. If you work it out right, you can pretty easily get your honeymoon tickets free just from the sign-up bonus and rewards points. This would make a great card to pay for hotels and rental cars and much more.
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Bottom Line
Overall, the best credit card for weddings depends on your individual needs and preferences. If you’re looking to travel or have some major wedding expenses, then a rewards points based card like Chase Sapphire Preferred® Card could be best for you.
However, if you prefer cash back over rewards points or just want an introductory APR period with no annual fee, there are plenty of other cards that can give you those benefits as well. Ultimately it’s important to find the right balance between what type of reward program best suits your financial goals and lifestyle while also considering any fees associated with using the card.
With all these factors in mind, we hope this article helps make finding the best credit card for your wedding day a little bit easier!