The Best Credit Cards for Newlyweds

credit card advice Staff
By: Staff
Posted: May 11, 2015
Our personal finance experts dish out the most trusted credit card advice on the web, including juicy tips, tricks and secrets from inside the credit card industry.

So you just got married? Congratulations! As you and your spouse get ready for your life together, you need to start planning your finances.

One of the things you need to figure out is which credit card to use. The right credit card program can help you build up your shared credit score while also earning some valuable rewards — rewards you could use toward a honeymoon, child expenses, a new home, and more.

To get you started, here are some of the best credit cards for newlyweds:

1. The Citi Simplicity Card

Getting married and starting home can be expensive. If you don’t have the money to pay everything off at once, the Citi Simplicity Card is a good choice. This card offers a zero percent APR for the first 18 months. This means you have more than a year to pay off your purchases without owing any extra interest.

The zero percent APR applies to balance rollovers from other cards, so if you have some unpaid credit card bills from the wedding, you can move them on to this card and buy yourself more time.

The Citi Simplicity Card is also generous on fees. It doesn’t charge an annual fee or penalty fees. If you are late on a payment, you won’t owe any extra money and Citi won’t increase your card’s interest rate.

2. The American Express Blue Cash Everyday Card

If you’re looking for a way to lower your weekly bills, the American Express Blue Cash Everyday Card could be the solution.

This card earns cash back on everything you buy. It earns 3 percent cash back at supermarkets, 2 percent cash back at gas stations and select department stores, and 1 percent cash back on everything else.

Since this card doesn’t charge an annual fee, you’re getting money back just for making your normal purchases.

3. The Capital One Venture Rewards Credit Card

For travelers, the Capital One Venture Rewards Credit Card is tough to beat. This card earns Capital One No Hassle Miles on all of your purchases.

What’s great about this card’s rewards program is its flexibility. You can use your reward miles as a credit against any sort of travel purchase like flights, hotels, cruises and gas.

You aren’t locked in with any one company. This means that whether you’re planning an extended honeymoon in Europe or preparing for that first Disney vacation with the kids, you’ll be able to benefit from this card.

4. The Fidelity Retirement Rewards American Express Card

It’s never too early to start thinking about retirement. With the Fidelity Retirement Rewards American Express Card, you and your spouse will start putting money aside just by using your card.

Every time you buy something on this card, American Express adds 2 percent of the purchase to a Fidelity IRA, a retirement account with several tax advantages.

This will give you a good head start toward reaching your retirement goals.

Any one of these cards is a great choice for a newlywed couple. Remember to use your card responsibly, and congratulations on your new life!

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