Just Got Engaged? Credit Card Offers You Should Consider

These credit card offers will be helpful if you're about to get married and have big plans for honeymooning or home-buying.

Lindsay KonskoNovember 10, 2020

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If planning a wedding is suddenly on your to-do list, you’re probably looking for every possible way to trim expenses. You may not have considered shopping for a credit card offer, but you should – the right credit card deal can go far in offsetting the cost of exchanging vows.

For recently engaged folks, these are the best credit cards to apply for:

Best if you’re planning a big honeymoon: Chase Sapphire Preferred® Card

Chase Sapphire Preferred Credit Card
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For a lot of brides and grooms, planning the honeymoon is just as exciting as planning the wedding. If this sounds about right, consider the Chase Sapphire Preferred® Card. With it, you’ll earn 2 points per dollar spent on dining out and travel and 1 point per dollar spent on all other purchases. Usually, points earned with the Chase Sapphire Preferred® Card are worth 1 cent apiece, but if you redeem them for travel through Chase Ultimate Rewards, their value goes up by 25%.

Another option is to transfer your points to a participating frequent traveler program at a 1:1 ratio. 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.

If you’re thinking of an overseas honeymoon, the Chase Sapphire Preferred® Card has you covered. It comes chip-enabled and charges no foreign transaction fees.

To get you started, the Chase Sapphire Preferred® Card comes with a signup bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®. It charges an annual fee of $95. All in all, it’s a great card for newly engaged travelers to keep on hand.

Best if you’re setting up house right away: Blue Cash Preferred® Card from American Express

American Express Blue Cash Preferred Credit Card
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For lots of folks, getting engaged means moving in together. If you’re planning to set up house with your sweetie right away, the Blue Cash Preferred® Card from American Express is an excellent card to apply for. With it, you’ll earn 6% cash back at U.S. supermarkets, on up to $6,000 a year in spending (then 1%); 6% cash back on select U.S. streaming subscriptions; 3% cash back at U.S. gas stations and on transit (including such things as taxis, rideshares, parking, tolls, trains and buses); and 1% cash back on all other purchases. Terms Apply.

Aside from filling your fridge, the high cash-back rate you’re getting at the supermarket with this card can be leveraged for buying gift cards to other stores that sell items you need (hello, Bed Bath and Beyond!).

To sweeten the deal a little, the Blue Cash Preferred® Card from American Express comes with a welcome offer: $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. Terms Apply.

The Blue Cash Preferred® Card from American Express has an annual fee of $95, but as long as you’re spending big bucks at U.S. supermarkets, you’re likely coming out ahead because of the card’s high rewards rate.

Best for rolling rewards into wedding expenses: Citi® Double Cash Card – 18 month BT offer

Citi® Double Cash Card
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Wedding expenses can mount pretty quickly. If you’re looking for credit card rewards you can reinvest into paying for your big day, the Citi® Double Cash Card – 18 month BT offer is the card for you. With it, you’ll earn 1% cash back on all your purchases, then an additional 1% cash back when you pay them off. And since there’s no limit to the rewards you can earn, you can keep cashing in with every vendor you book.

If you have wedding-related debt on another card and need breathing room, the Citi® Double Cash Card – 18 month BT offer is a good choice. It offers a solid introductory APR deal: 0% intro APR on Balance Transfers for 18 months, and then the ongoing APR of 13.99% - 23.99% Variable APR.

Cost-conscious folks will also appreciate that the Citi® Double Cash Card – 18 month BT offer charges an annual fee of $0. This means you won’t have to worry about yet another expense as you plan for your big day.

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