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Best Credit Cards for Getting Married

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Best Credit Cards for Getting Married

You’re getting married — congratulations! Now let’s talk about the best credit cards to pay for it. The average U.S. wedding costs $31,213, according to a 2014 study 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 miles for the honeymoon: Chase Sapphire Preferred® Card

For a lot of brides and grooms, 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. 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 $.01 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 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®. It charges an $0 for the first year, then $95. All in all, it’s a great card for newly engaged travelers to keep on hand.

Best for cash back on all of your wedding expenses: Citi® Double Cash Card – 18 month BT offer

Getting married can be an expensive endeavor, so 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’ll earn 1% back when you make purchases 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 at $25, so you can use your rewards to help pay for your big day as you spend. The Citi® Double Cash Card – 18 month BT offer has an annual fee of $0 and boasts an introductory APR of 0% on Balance Transfers for 18 months, and then the ongoing APR of 14.24% - 24.24% Variable APR.

>>More: How to Maximize Credit Card Rewards When Shopping

Best for a long 0% introductory period: Citi Simplicity® Card - No Late Fees Ever

If you want or need extra time to pay for your wedding expenses, the Citi Simplicity® Card - No Late Fees Ever might be the card for you. It boasts an industry-leading APR period of 0% on Purchases and Balance Transfers for 21 months, and then the ongoing APR of 14.24% - 24.24% Variable APR. Plus, if you make a late payment, you won’t have to pay a fee or deal with an increased APR. Ever. There’s also an annual fee of $0.

Nerd note: You should always aim to make your payments on time. It’s a good habit to get into — since most creditors aren’t so forgiving — and late payments may show up as negative items on your credit report.

Nerd tip: Pay off your credit card balance in full before the 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 debt when the honeymoon is over.

Erin El Issa is a staff writer covering personal finance for NerdWallet. Follow her on Twitter @Erin_Lindsay17 and on Google+.

Image via iStock.