Home > Credit Card Reviews > 3 Credit Cards to Help Fund Your Wedding

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[UPDATE: Some offers mentioned below have expired and/or are no longer available on our site. You can view the current offers from our partners in our credit card marketplace. DISCLOSURE: Cards from our partners are mentioned below.]

Your wedding is the event that launches you and your partner into your future as a married couple. It’s also an excuse to throw a great party and bring together friends and loved ones to celebrate your relationship.
Of course, paying for a wedding is not an easy thing. Whether you’re throwing a backyard barbecue or an elegant affair, expenses can pile up fast, and racking up debt isn’t the greatest beginning for a long-term commitment.

Fortunately, there are some credit cards that can help you curb costs as you plan your wedding. Here are four of our favorites.

1. Citi Double Cash

The Draw: Earn 2% cash back:1% cash back on purchases and an additional 1% back upon payments (Full Disclosure: Citibank advertises on Credit.com, but that results in no preferential editorial treatment.)

Signup Bonus: None

Annual Fee: None

Annual Percentage Rate (APR): 0% introductory APR for 18 months and then 15.24% – 25.24% (Variable) ongoing.

Why We Picked It: This card provides extra motivation for paying off your balance fast.

Benefits: All purchases earn 1% cash back and an extra 1% upon payment for a total of 2% cash back.

Drawbacks: You won’t earn your full cash back until you’ve paid off your purchases.

2. Chase Freedom Unlimited

Chase Freedom Unlimited®

Apply Now
on Chase's secure website
Card Details
Intro Apr:
0% for 15 months on purchases

Ongoing Apr:
16.49% - 25.24% Variable

Balance Transfer:
Intro: 0% for 15 months

Annual Fee:

Credit Needed:
Snapshot of Card Features
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 - 25.24%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open

Card Details +

The Draw: 1.5% cash back on all purchases

Signup Bonus: $150 cash back when you spend $500 in the first three months

Annual Fee: None

APR: 0% introductory APR for 15 months, then 16.49% - 25.24% Variable

Why We Picked It: This is a well-rounded cash back card with a decent rate of return, a signup bonus and a long introductory APR period.

Benefits: All purchases earn a flat 1.5% cash back. There’s a $150 signup bonus, and purchases and balance transfers are interest-free for the first 15 months.

Drawbacks: There are higher cash back rates available if you’re willing to meet slightly more restrictive requirements.

3. Blue Cash Preferred Card From American Express

Blue Cash Preferred® Card from American Express

Apply Now
on American Express's secure website
Card Details
Intro Apr:
0% for 12 months on purchases

Ongoing Apr:
14.49%-25.49% Variable

Balance Transfer:
0% for 12 months on balance transfers

Annual Fee:

Credit Needed:
Snapshot of Card Features
  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • NEW 6% Cash Back on select U.S. streaming subscriptions.
  • NEW 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%
  • $95 annual fee.
  • Terms Apply.

Card Details +

The Draw: 6% cash back at U.S. supermarkets on up to $6,000 in purchases per year (then 1%), 3% cash back at U.S. gas stations and 1% cash back on everything else.

Welcome Offer: $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.

Annual Fee: $95.

APR: 0% for 12 months on purchases , then 14.49%-25.49% Variable

Why We Picked It: Through a gift-card hack, you could earn 6% cash back on many of your DIY wedding crafts.

Benefits: If your wedding is a DIY affair, you could earn 6% cash back at retailers by purchasing gift cards and using them elsewhere. There’s also a nice $200 welcome offer if you spend $1,000 in purchases within the first three months of opening your account and a year of interest-free APR.

Drawbacks: Due to fraud concerns, some grocery stores won’t let customers use plastic to buy gift cards, so check your supermarket’s policy before you apply.

How to Choose a Card for Wedding Expenses

The best card to finance your wedding will depend on your goals. If you’re looking to save money, a cash back card may be the best fit. If you want to transfer a balance or take some time to pay down your debt, a card with an introductory APR period and minimal fees may be best.

We recommend analyzing your wedding budget to determine what types of purchases you’re likely to make, and then picking a card that will best reward that type of spending. Also keep in mind, signup bonuses are a great incentive if you can realistically meet the spending requirements. Just make sure they won’t require you to stretch your budget.

What Credit You Need to Get a Card to Pay for Your Wedding

Most cards with cash back rewards or introductory APR offers require good-to-excellent credit. If that describes you, acquiring a new card should not be a problem. Not sure of your standing? You’ll want to check your credit score before you apply. You can view two of your scores for free on Credit.com.

At publishing time, the Chase Slate, Chase Freedom Unlimited, Blue Cash Preferred Card from American Express and Citi Double Cash credit cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for these cards. However, these relationships do not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

Image: aldomurillo

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