The best wedding credit cards are Chase Sapphire Preferred® Card (big initial bonus and high limit), Capital One Venture Rewards Credit Card (good travel rewards for the honeymoon), Citi Double Cash Card (consistent cash back) and The Amex EveryDay® Credit Card from American Express (0% financing). In other words, there are a lot of great wedding credit cards available, and the best one for you personally depends on how you plan to use it. You could pick a rewards card to get some of your money back or earn a vacation. Or you could choose a card with a 0% intro APR for extra time to pay off the party without interest.
Here are the best wedding credit cards:
60,000 points, worth $750 in travel through Chase, for spending $4,000 in the first 3 months. 5 points per $1 spent on travel purchased through Chase, 2 points per $1 on all other travel purchases, 3 points per $1 on dining and online grocery purchases, 3 points per $1 on select streaming services, and 1 point per $1 on all other purchases. 1:1 point transfer to 13 airline and hotel loyalty programs. $95 annual fee. $5,000 minimum credit limit. Requires good credit.
75,000 miles for spending $4,000 in the first 3 months. 5 miles per $1 spent on hotels and rental cars booked through Capital One Travel, and 2 miles per $1 on all other purchases. $95 annual fee. Requires good credit.
2% cash back on every purchase (1% when you buy and 1% as you pay for those purchases). Introductory APR on balance transfers of 0% for 18 months, with a balance transfer fee of 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer. $0 annual fee. $500 minimum credit limit. Requires good credit.
Introductory APR on purchases of 0% for 15 months. 10,000 points after spending $2,000 in the first 6 months. 2 points per $1 spent on travel booked through amextravel.com and at supermarkets (up to $6,000 per year), and 1 point per $1 spent on all other purchases. 20% more points when you use your card 20 or more times in a billing cycle. $0 annual fee. No minimum credit limit listed. Requires good credit.
All of the best options for wedding credit cards require good or better credit, but if you have fair/limited credit you could always go for something like Capital One QuicksilverOne Cash Rewards Credit Card, for 5% cash back on hotel and rental cars booked through Capital One Travel, as well as 1.5% cash back on all other purchases. For bad credit, try Capital One Quicksilver Secured Cash Rewards Credit Card, which offers 5% cash back on hotels and rental cars booked through Capital One Travel, as well as 1.5% cash back on all other purchases.
You should just always consider what portion of the card’s credit line you’re using up, as utilization over 30% can hurt your credit score. So, you may want to make charges and pay them off throughout the month so you can keep spending more. Congrats on the wedding!