Weddings are one of the most memorable occasions of our lives. It is a moment of joy, celebration, and love. However, planning a wedding can also be an expensive affair. Costs can add up quickly, from booking a venue to paying for flowers, meals, and other expenses. This is where the best credit cards for wedding expenses can be handy.
With the right credit card, you can earn rewards and perks that will help you save money and make your special day even more memorable. This blog will explore the 10 best credit cards for wedding expenses.
1. Chase Sapphire Preferred® Card – the best credit cards for wedding expenses
The Chase Sapphire Preferred® Card is an excellent choice for those who want to pay for their wedding with a credit card. It offers a sign-up bonus of 100,000 points after spending $4,000 in the first three months. And for this reason, this credit card can be considered the best credit card for honeymoon purposes also.
These points can be used for travel, Cashback, or gift certificates. The card also offers 2x points on travel and dining and 1x on all other purchases. The card has an annual fee of $95, but the rewards and benefits are worth it.
Pros
1. Generous sign-up bonus: Earn 100,000 bonus points when you spend $4,000 within the first three months of account opening.
2. Great Rewards Rate: Earn 2 points on travel and dining out and 1 point per dollar spent on all other purchases worldwide.
Cons
1. Annual dues: $95 annual dues.
2. Limited redemption options: Points are more valuable when redeemed for travel through the Chase portal. Other categories of redemption options, such as cashback or merchandise, have a lower value.
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2. Citi® Double Cash Card – Another best credit cards for wedding expenses
The Citi® Double Cash Card is one of the best credit cards for wedding expenses because it offers 2% cash back on all purchases.
This means that for every $100 you spend, you will receive $2 cash back. This card has no annual fee, making it an excellent option for those who want to earn rewards without paying extra.
Pros
1. High Cashback Rate: Earn 1% cash back on every purchase and an additional 1% cashback when you redeem those purchases.
2. No annual fee: This card has no annual fee.
Cons
1. No sign-up bonus: There is no sign-up bonus for this card.
2. Limited Rewards Categories: No reward categories exist to earn money. You will make the same rate on all purchases.
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3. American Express® Gold Card – Excellent best credit cards for wedding expenses
The American Express® Gold Card is another excellent option for a wedding credit card.
It offers a sign-up bonus of 60,000 membership rewards points after spending $4,000 in the first six months.
These points can be used for travel, gift cards, or statement credits. Additionally, the card offers 4x points on US restaurants and supermarkets, 3x on flights booked directly with the airline or amextravel.com, and 1x on all other purchases.
The card has an annual fee of $250, but the rewards and benefits are worth it.
Pros
1. Generous Rewards Rates: Earn 4x Membership Rewards points per dollar at restaurants worldwide and 4x points at US supermarkets (up to $25,000 annual purchases, then 1x). When booking directly with airlines or amextravel.com, earn 3x points. You get 1x points on all other purchases.
2. Super Value Benefits: Up to $120 in restaurant credits ($10 per month) at participating restaurants, up to $120 in Uber Cash ($10 per month), up to $100 in annual credits on air freight charges, and much more.
Cons
1. Annual Fee: $250 annual fee.
2. Limited redemption options: Points are most valuable when used for travel or transferred to
airline or hotel partners. Other categories of redemption options, such as cashback or merchandise, have a lower value.
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4. Capital One Venture Rewards Credit Card – An ideal and the best credit cards for wedding expenses
The Capital One Venture Rewards Credit Card is ideal for wedding expenses as it offers 2x miles on all purchases. These miles can be used for travel, gift cards, or statement credits.
Additionally, the card offers a sign-up bonus of 60,000 miles after spending $3,000 in the first three months.
The card has an annual fee of $95, but the rewards and benefits are worth it.
Pros
1. Generous sign-up bonus: Earn 60,000 bonus miles after spending $3,000 on purchases in the first three months.
2. Flexible redemption options: Use miles for travel, cash back, gift cards, and more.
Cons
1. Annual dues: $95 annual dues.
2. Lower rewards rate: Earn 2 X miles on every purchase, but some cards offer higher rewards rates in specific categories.
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5. Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card from American Express is a great credit card for wedding expenses because it offers 6% cash back at US supermarkets (up to $6,000 in purchases per year, then 1% ) and 6% cash back on select US Streaming subscriptions, 3% cashback on transportation, including taxi/rideshare, parking, tolls, trains, buses, etc., and 1% cash back on all other purchases.
The card also offers a $300 sign-up bonus after spending $3,000 in your first six months. The card has an annual fee of $95, but the rewards and benefits are worth it.
Pros
1. High Cashback Rates: Earn 6% cash back at US supermarkets (up to $6,000 in annual purchases, then 1%), 6% cash back on select streaming subscriptions in the US, and 3% cash back in the US. Moreover, you also get 1% cash back on all other purchases at gas stations and in transit.
2. Valuable Welcome Bonus: Get a $300 credit after spending $3,000 on your new card in the first six months.
Cons
1. Annual fee: $0 for one year of registration, then $95.
2. Limited redemption options: Cashback can only be redeemed for statement credits.
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6. Discover it® Cash Back
The Discover it® Cash Back card is ideal for wedding expenses. It offers 5% cash back in rotating categories each quarter, up to quarterly money back maximum, and 1% every time you activate Unlimited and all other purchases.
The card also offers a sign-up bonus, and Discover will match any cash back you earn at the end of your first year. This means that if you earn $500 in cashback in your first year, Discover will match it and give you an additional $500. This card has no annual fee, making it an excellent option for those who want to earn rewards without paying extra.
Pros
1. High Cashback Rate: Earn 5% cash back on rotating categories (up to a quarterly maximum) and 1% on all other purchases.
2. No annual fee: This card has no annual fee.
Cons
1. Limited bonus categories: 5% Cash back categories change quarterly and are subject to a maximum spending limit.
2. Limited Acceptance: Not all merchants accept the Discover card.
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7. The Wells Fargo Propel American Express® Card
The Wells Fargo Propel American Express® Card is a great and the best credit cards for wedding expenses as it offers 3x points on restaurants, gas stations, carpooling, transportation, flights, hotels, homestays, and car rentals on all other purchases.
The card also offers a sign-up bonus, and you can earn 20,000 points if you spend $1,000 or more within three months of opening the card. With no annual fee, this card is an excellent option for those who want to earn rewards without paying extra.
Pros
1. No annual fee: This card has no annual fee.
2. Generous reward rates: 3X points for dining out, orders, refueling, carpooling, transportation, airfare, hotels, homestays, and car rentals, and 1X points for others.
Cons
1. Limited redemption options: Points are more valuable when redeemed for travel, Cashback, or gift cards. Other classes of forex options, such as commodities or government credit, have a lower value.
2. Limited Benefits: Although this card offers some benefits, such as cell phone protection and travel accident insurance, it does not provide as many benefits as other premium cards.
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8. Bank of America® Cash Rewards Credit Card
The Bank of America® Cash Rewards Credit Card is another best credit cards for wedding expenses because it offers 3% cash back in the categories of your choice ( guest, online shopping, dining, travel), pharmacy, or home improvement/furniture) and 2% cash back at the Grocery and Wholesale Club (combined quarterly purchases from select categories/groceries/wholesalers up to $2,500, then 1%) and 1% cash back on all other purchases.
The card also offers a $200 sign-up bonus after spending $1,000 in your first 90 days. With no annual fee, this card is an excellent option for those who want to earn rewards without paying extra.
Pros
1. Flexible Rewards: Earn 3% Cash Back at categories of your choice and 2% Cash Back at Grocery Stores and Wholesale Club (combo select category/grocery/wholesale Up to $2,500 in club purchases quarterly), plus 1% cash back on all other purchases.
2. No annual fee: This card has no annual fee.
Cons
1. Limited reward categories: Although the card offers 3% cash back in specific categories, it is limited to a list of specific categories.
2. Limited Redemption Options: Cash Back can only be redeemed as a statement credit, deposited to an eligible Bank of America or Merrill Lynch account, or as a contribution to a qualified 529 account.
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9. Hilton Honors American Express Surpass® Card
The Hilton Honors American Express Surpass® Card is also the best credit cards for wedding expenses because it offers a $150,000 sign-up bonus when you spend $3,000 within three months following the opening of Hilton Honors bonus points.
These points can be redeemed for free nights at Hilton properties worldwide.
Additionally, the card earns 12X points on qualifying purchases at Hilton properties and 6X points on purchases at US restaurants, supermarkets, and Gas Stations, plus 3x points on all other purchases. The card has a $95 annual fee, but the rewards and perks are worth it for frequent travelers and Hilton guests.
Pros
1. Fantastic Welcome Reward: Earn 150,000 Hilton Honors Bonus Points after spending $3,000 with your card in your first three months as a cardholder.
2. Extra Value Benefit: Enjoy free Hilton Honors Gold status, ten free Priority Pass lounge passes per year, and free weekend nights after spending $15,000 on card purchases in a year civil.
Cons
1. Annual dues: $95 annual dues.
2. Hilton Hotels Only: This card is only valid for frequent Hilton customers.
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10. Marriott Bonvoy Boundless™ Credit Card
The Marriott Bonvoy Boundless™ Credit Card is one of the best credit cards for wedding expenses as it offers a welcome bonus of up to 100,000 points after spending $3,000 within six months after account opening.
These can be redeemed at Marriott Bonvoy properties worldwide. Additionally, the card earns 6X points on qualifying spend at Marriott Bonvoy properties and 2X points on all other purchases. The card has a $95 annual fee, but the rewards and perks are worth it for frequent flyers and Marriott Bonvoy customers.
Pros
1. Great Welcome Bonus: Get up to 100,000 Marriott Bonvoy points after spending $3,000 within six months of account opening.
2. Great Value Benefits: Enjoy free Marriott Bonvoy Silver Elite status, 15 Elite nights per calendar year, and free nights every year after your account anniversary.
Cons
1. Annual fee: $95 annually fee.
2. Marriott properties only: This card is only valid for frequent guests of Marriott properties.
3. Limited Redemption Options: Points are more valuable for hotel stays, while other redemption options, such as cashback or merchandise, are less valuable.
Best credit cards for wedding expenses offer rewards and perks to help you save money and make your special day more memorable. When choosing a credit card, consider your spending habits, rewards preferences, and annual fees to find the best card for your needs.
With the best credit card for wedding expenses, you can earn rewards, save money, and enjoy a celebration of love without breaking the bank.
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FAQs about the best credit cards for wedding expenses
Q: What are the benefits of using a wedding credit card?
A: Benefits of using wedding credit cards include rewards or cashback on wedding expenses, discounts from certain vendors, and the ability to fund wedding expenses over time. Some wedding credit cards may offer additional perks, such as travel rewards or honeymoon hotel discounts.
Q: How do I choose the right wedding credit card?
A: When choosing a wedding credit card, consider the rewards and benefits offered, interest rates and fees, and any promotional offers available.
Also, consider your financial situation and spending habits to determine which card will give you the best value.Q: Can I use my wedding credit card for non-wedding-related expenses?
A: Yes, you can use your wedding credit card to pay for non-wedding-related expenses, but please note that rewards and benefits are only available on wedding-related purchases. Additionally, using the Card to pay for non-wedding costs could affect your ability to pay your wedding expenses in full and on time, resulting in interest charges and debt.
Q: Are there any downsides to using a wedding credit card?
A: The biggest downside to using a wedding credit card is that you can become into debt if you don’t pay your wedding expenses in full and on time. Also, if you don’t usually use credit cards or have a history of paying a balance, a wedding credit card may not be the best option.
Q: What if I can’t pay my wedding credit card balance?
A: If you cannot fully pay off your wedding credit card balance on time, you may be charged interest and late fees. Additionally, having a high credit card balance can negatively impact your credit score.
If you’re having trouble paying off your balance, consider contacting your credit card issuer to discuss payment options or seek the assistance of a financial advisor.
