Best Credit Cards for Wedding Expenses

The most magical day of your life can also be the most expensive. Take some of the sting out with the right card.

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You’re getting married — congratulations! Now it’s time to figure out how to pay for it.

The cost of a wedding may be intimidating, but you can lessen the impact on your wallet by maximizing credit card rewards and perks. The average cost of a wedding was $33,900 in 2019, according to an annual survey by The Knot. On that amount, a credit card's incentives could earn you several hundred dollars toward your honeymoon or a purchase. Or you could finance a much-needed wedding expense with a credit card and get interest-free breathing room while catching up on payments.

The right credit card for your wedding should be as compatible with your expenses as your partner is with you. Here’s how to find the one.

Citi® Double Cash Card – 18 month BT offer

Citi® Double Cash Card
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Our pick for: General wedding expenses

Card details

Rewards: Earn 2% cash back: 1% cash back on every purchase and another 1% back when you pay the bill.

Welcome bonus: None.

Annual fee: $0.

APR: 0% intro APR on Balance Transfers for 18 months, and then the ongoing APR of 13.99% - 23.99% Variable APR.

Why we like it:

If you're going to be shelling out thousands of dollars, you might as well rack up rewards in the process. Enter the Citi® Double Cash Card – 18 month BT offer, the cash-back card that rewards you for paying off your balance. A rewards rate of up to 2% cash back on all purchases is a solid deal when you’re making payments in categories that don’t typically earn elevated rewards, like paying the band or DJ or buying flowers. You can start redeeming your cash back once you hit $25, so you can use your rewards to whittle away at the cost of your big day even as you spend for it.

Chase Sapphire Preferred® Card

Chase Sapphire Preferred Credit Card
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Our pick for: Honeymoon costs

Card details

Rewards:

  • 2 Chase Ultimate Rewards® points per dollar spent on travel and dining at restaurants.

  • 1 point per dollar on everything else.

Welcome bonus: Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.

Annual fee: $95.

APR: The ongoing APR is 15.99% - 22.99% Variable APR.

Why we like it:

To get you started, the Chase Sapphire Preferred® Card comes with a sign-up bonus you could earn just with your wedding expenses. You also have the option of transferring your points to a participating frequent traveler program at a 1:1 ratio. Chase's partners include United, Southwest, British Airways, Air France/KLM, Hyatt and Marriott, among several others. If you’re savvy at travel hacking, you could score a couple of award tickets to your honeymoon destination for free. This, of course, would really help bring down the overall cost of your trip. And if you’re thinking of an overseas honeymoon, the Chase Sapphire Preferred® Card charges no foreign transaction fees.

Nerdy tip: If you’re willing to pay a $550 annual fee, then the Chase Sapphire Reserve® can yield even more perks that offset the annual cost. It earns 3 points per dollar spent on dining and travel and 1 point per dollar on everything else. Cardholders get an annual travel credit of up to $300, a complimentary Priority Pass Select airport lounge membership, a TSA PreCheck or Global Entry credit and other perks.

The Platinum Card® from American Express

American Express Platinum Credit Card
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Our pick for: Luxurious honeymoon perks

Card details

Rewards:

  • 5 Membership Rewards points per dollar spent on flights booked directly with airlines or with American Express Travel.

  • 5 points per dollar on prepaid hotels booked with American Express Travel.

  • 2 points per dollar on other eligible travel expenses booked with American Express Travel.

  • 1 point per dollar on all other purchases.

  • Terms apply.

Welcome bonus: Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership. Terms Apply.

Annual fee: $695. Terms apply.

APR: See Pay Over Time APR (see rates and fees). Terms apply.

Why we like it:

The Platinum Card® from American Express can enhance the travel experience for big spenders. The card’s steep $695 annual fee won’t be easy to keep up with if you don't already live a high-end lifestyle. Assuming you travel enough, though, the card’s long list of perks can make up the cost. It offers a $200 credit for airline incidental fees like checked bag fees and in-flight beverages, a $200 annual credit for Uber ($15 each month and $35 in December), $100 a year at Saks Fifth Avenue, airport lounge access and up to $100 reimbursed for Global Entry or TSA PreCheck application fees, among other perks. You can also use the card to get hotel benefits like Marriott Gold Elite status or Hilton Gold status that earn you additional goodies like room upgrades. Enrollment is required to take advantage of these benefits. Terms apply.

U.S. Bank Visa® Platinum Card

US Bank Visa Platinum Credit Card
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Our pick for: A long 0% introductory APR period

Card details

Rewards: None.

Welcome bonus: None.

Annual fee: $0*.

APR: 0%* intro APR for 20 billing cycles on purchases and balance transfers*, and then the ongoing APR of 14.49% - 24.49%* Variable APR.

Why we like it:

If you want or need extra time to pay off your wedding expenses, take a good look at the U.S. Bank Visa® Platinum Card. It boasts a 0% intro APR period of nearly two years. That will help you pay off those big purchases — like a ballgown or the perfect reception venue — interest-free.

Nerdy tip: Pay off your credit card balance in full before the 0% introductory APR expires to avoid owing interest. If your wedding is too expensive to do this, we encourage you to reevaluate your budget. This should be a happy occasion, not one that causes you stress due to lingering debt.

Bank of America® Travel Rewards credit card

Bank of America Travel Rewards® Credit Card
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Our pick for: No-annual-fee travel rewards and a 0% intro APR

Card details

Rewards:

  • 1.5 points per dollar spent.

  • 3 points per dollar spent on eligible travel booked through the Bank of America® Travel Center.

Welcome bonus: 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.

Annual fee: $0.

APR: 0% intro APR for 12 billing cycles on purchases, and then the ongoing APR of 13.99% - 23.99% Variable APR.

Why we like it:

With the Bank of America® Travel Rewards credit card, you get decent rewards and a 0% intro APR period. The combination is a rarity among travel credit cards. Plus, the card has one of the broadest definitions of travel compared with other issuers. You can use points to get statement credit for airfare, hotel stays, cruises, car rentals, art galleries, amusement parks, carnivals, circuses, zoos and restaurants. It’s also a good card to take abroad on your honeymoon since it doesn’t charge foreign transaction fees. As a Visa, it has broader merchant acceptance internationally as well.

Discover it® Miles

Discover it® Miles
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Our pick for: Easy redemptions and a 0% intro APR

Card details

Rewards: 1.5 points per dollar spent.

Welcome bonus: UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

Annual fee: $0.

APR: 0% intro APR on Purchases for 14 months and 10.99% intro APR on Balance Transfers for 14 months, and then the ongoing APR of 11.99% - 22.99% Variable APR.

Why we like it:

You have a lot of things to worry about while juggling wedding plans. Fortunately, the Discover it® Miles is as straightforward as it gets. Unlike other travel credit cards, this card doesn't lose any value when you redeem for non-travel options. All options, like cash back or statement credit, redeem for the same rate. Plus, you can use the lengthy 0% intro APR offer to finance any wedding-related purchases. Discover’s miles-for-miles match can also be potentially lucrative, assuming you pay for most wedding expenses with the card.

Citi Premier® Card

Citibank ThankYou Premier Credit Card
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Our pick for: Anniversary getaways

Card details

Rewards:

  • 3 ThankYou points per $1 spent on air travel and hotels.

  • 3 points per $1 spent at supermarkets.

  • 3 points per $1 spent at gas stations.

  • 3 points per $1 spent at restaurants.

  • 1 point per $1 spent on all other purchases.

Welcome bonus: Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening.

Annual fee: $95.

APR: The ongoing APR is 15.99% - 23.99% Variable APR.

Why we like it:

The Citi Premier® Card earns a healthy rewards rate on everyday spending and travel, so it’s easier to rack up rewards toward your next getaway. It also offers a hotel benefit that gets you $100 off of a single hotel stay of at least $500 (not including taxes and fees) once every calendar year when you book through Thankyou.com. The hotel benefit can offset the $95 annual fee, but, again, you'd have to spend the $500 to get it. You may fare better with more flexible travel credits on other credit cards, but they're likely to have higher annual fees.

American Express® Gold Card

American Express Premier Rewards Gold Credit Card
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Our pick for: Everyday spending and travel

Card details

Rewards:

  • 4 Membership Rewards points per dollar spent at restaurants, including those made through third-party processors like Square and Toast.

  • 4 points per dollar spent at U.S. supermarkets on up to $25,000 in purchases per year.

  • 3 points per dollar spent for flights booked directly with airlines or with American Express Travel.

  • 1 point per dollar spent on other eligible purchases.

  • Terms apply.

Welcome bonus: Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months. Terms Apply.

Annual fee: $250. Terms apply.

APR: See Pay Over Time APR. (see rates and fees) Terms apply.

Why we like it:

The American Express® Gold Card is an excellent card before and after the wedding. You can use its $120 annual dining credit for a nice night out while on your honeymoon, or to stress eat in the middle of chaotic wedding preparations — your choice! It’s distributed in $10 monthly credits to your account and can be applied toward purchases with select partners including Grubhub, Seamless, The Cheesecake Factory and Boxed. If you add your American Express® Gold Card card to the Uber app, you’ll also get up to $120 a year in Uber Cash (distributed as $10 each month) to be used on US Uber Eats and rides. The introductory offer also goes a long way toward travel and may cover some honeymoon costs. The generous rate at U.S. supermarkets also makes it an excellent card to keep in your wallet long after you say "I do." Terms apply.


To view rates and fees of The Platinum Card® from American Express, see this page.

To view rates and fees of the American Express® Gold Card, see this page.

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