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Best Credit Cards for Wedding Expenses

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Whether you can already close your eyes and picture your wedding or are starting from scratch, you'll need to figure out how to pay for it all before you get to say your I dos.

Weddings can quickly become shockingly expensive, so creating a realistic budget is often the first step many couples take in planning one. Budgeting early in the process will help you control costs and gives you time to plan how best to pay your expenses.

While loans or cash payments are options, the right credit card (or cards) could lead to big rewards that can help offset the cost of your wedding or honeymoon. You may even be able to use the points or miles you earn to book flights or hotels that you wouldn't be able to afford otherwise.

With standard wedding spending and post-wedding travels in mind, here are a few of the best credit cards for wedding expenses.

Combine Chase Ultimate Rewards Cards for Points and Perks

The Chase Ultimate Rewards program offers great flexibility and ease of use. You can earn points using different Chase credit cards, and redeem them for gift cards, cash back, merchandise and travel. If you have a Chase Sapphire card (either the Chase Sapphire Reserve® or Chase Sapphire Preferred® Card), you can also transfer points to partner hotel and airline programs.

When putting down deposits, you may want to use the Chase Sapphire Reserve® and Chase Freedom Unlimited® cards in conjunction with one another. You may also ask your partner to sign up for a Chase Sapphire Preferred® Card, depending on how much you expect to spend.

Chase Sapphire Reserve®

Apply

on Chase's website

Apply

on Chase's website

APR

16.99% - 23.99% Variable

Intro APR: N/A

Rewards

3X points on Travel & Dining

3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.

1X points on All Other Purchases

Intro Bonus: Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Annual Fee

$550

The Chase Sapphire Reserve® offers 50,000 bonus points if you spend $4,000 within 3 months of account opening, and you'll earn 3 points per dollar on dining and travel purchase. The bonus categories may align with your rehearsal dinner, catering and honeymoon expenses, and potentially your venue if your wedding or reception are at a restaurant or hotel.

Additionally, the Chase Sapphire Reserve® gives you a complimentary Priority Pass Select membership, which can get you and your new spouse into airport lounges around the world—but you have to enroll before using the benefit.

The card also provides a statement credit of up to $100 for the TSA Precheck or Global Entry application every four years, but you'll need to pay for the other person's application if you want to zoom through security together. It also doesn't have any foreign transaction fees, which could be helpful if you're planning a destination wedding or headed abroad after.

The $550 annual fee can be intimidating, but you'll receive up to $300 in travel statement credits each year, and up to $60 in DoorDash statement credits in 2020 and 2021. Also, as a cardholder, your Ultimate Rewards points are worth 1.5 cents each if you redeem them for travel through the Ultimate Rewards portal. With other Chase cards, your points are only worth 1 cent or 1.25 cents when booking travel.

Chase Freedom Unlimited®

Apply

on Chase's website

Apply

on Chase's website

APR

14.99 - 23.74% Variable

Intro APR: 0% Intro APR on Purchases for 15 months

Rewards

1.5% cash back on All Purchases

Earn unlimited 1.5% cash back on all purchases

Intro Bonus: Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening

Annual Fee

$0

The Chase Sapphire Reserve® only offers 1 point per dollar on purchases that don't fit into a bonus category, which is why you may also want the Chase Freedom Unlimited®. This card doesn't have an annual fee and you'll get 1.5 points per dollar on all purchases.

Left in your Chase Freedom Unlimited® account, they're only worth 1 cent each. But you can transfer these points to your Chase Sapphire Reserve® where they're worth 1.5 cents each when redeemed for travel. Effectively, you can then get 2.25 cents per dollar if you use your Chase Freedom Unlimited® rewards to make up for weak spots with your other cards.

Plus, there's an intro bonus of $150 when you make $500 worth of purchases within 3 months of account opening. The bonus gets added to your account as Ultimate Rewards points, which you can transfer to increase their potential value to $300.

Combined with the intro bonus from the Chase Sapphire Reserve®, and assuming you made the $4,000 worth of purchases in the dining and travel bonus categories, you'll have 77,750 points once you earn both intro bonuses. That's worth $1,166.25 when booking travel.

Chase Sapphire Preferred® Card

Apply

on Chase's website

Apply

on Chase's website

APR

15.99% - 22.99% Variable

Intro APR: N/A

Rewards

2X points on Dining & Travel

2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide

1X points on All Other Purchases

Intro 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®

Annual Fee

$95

You won't be eligible for a Chase Sapphire card intro bonus (from either the Reserve or Preferred) if you've already received an intro bonus from either card in the past 48 months. If you haven't, you and your partner can each sign up for the card and both get the intro bonus.

If one of you is getting the Chase Sapphire Reserve®, the other may want to get the Chase Sapphire Preferred® Card, which offers a larger intro bonus of 60,000 points if you make $4,000 in purchases within your first 3 months. Chase Sapphire Preferred® Card has a lower $95 annual fee, but doesn't offer Priority Pass membership or statement credits.

You can transfer the points to your partner's Chase Sapphire Reserve® account once you're members of the same household, and then redeem them for travel at the 1.5 cents per point rate you get as a Chase Sapphire Reserve® cardholder. Otherwise, your points are worth 1.25 cents each when you redeem them for travel through the Ultimate Rewards portal and have the Chase Sapphire Preferred® Card.

What Else Should You Consider?

With intro offers, bonus rewards categories and cardholder benefits, there are plenty of reasons to get new credit cards to pay for your wedding. However, credit cards (and particularly rewards cards) tend to have high interest rates and they may not be a good way to finance a wedding.

Some couples use a personal loan instead, which may offer a lower interest rate than credit cards. Or, they figure out ways to cut down expenses and avoid borrowing money altogether.

If you only plan on borrowing a little money and paying it off within a year or two, you could still look into a credit card if it has a 0% promotional APR offer. Many cards offer these types of promotions, which allow you to make purchases without accruing interest during the promotional period. You can compare offers in the Experian CreditMatch™ marketplace.

All information about the Wells Fargo Visa Signature® credit card has been collected by Experian and has not been reviewed or provided by the issuer of the card. Offer details may be outdated.

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