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You’re getting married — congratulations! Now let’s talk about smart ways to pay for it.
The average U.S. wedding cost $33,391 in 2017, according to an annual survey by The Knot. But don’t worry; the Nerds have found three great cards for you, so you’re covered whether you want to earn rewards on your wedding purchases or you want extra time to pay off the cases of Champagne you ordered.
Best for cash back on wedding expenses: Citi® Double Cash Card – 18 month BT offer
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. You earn 1% cash back on every purchase and another 1% back when you pay them off — great motivation to pay down your balance as quickly as possible.
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. The Citi® Double Cash Card – 18 month BT offer has an annual fee of $0.
Best card for the honeymoon: Chase Sapphire Preferred® Card
Many brides and grooms think planning the honeymoon is just as exciting as planning the wedding. If this sounds about right, the Chase Sapphire Preferred® Card is a great card to consider. You 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 the Chase Ultimate Rewards® portal, their value goes up by 25%.
To get you started, the Chase Sapphire Preferred® Card comes with a signup bonus you could earn just with your wedding expenses: 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®.
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. The annual fee is $95.
Best for a long 0% introductory APR period: U.S. Bank Visa® Platinum Card
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 long intro APR period of 0% APR for 20 billing cycles on purchases and balance transfers, and then the ongoing APR of 13.99% - 23.99% Variable APR. That's nearly two years to pay off your expenses, interest-free.
The annual fee is $0.
Nerd 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 re-evaluate your budget. This should be a happy occasion, not one that causes you stress because of lingering debt long after the honeymoon is over.