The Ultimate Guide to Credit Cards
Thursday, July 2, 2020

12 Best Credit Cards for Wedding Expenses in 2020

12 Best Credit Cards for Wedding Expenses in 2020

credit card advice

Ashley Dull
By: Ashley Dull
Updated: October 21, 2019
Advertiser Disclosure

For some couples, finding the best credit cards for weddings should rank right up there with finding a great caterer because tying the knot can be expensive. While paging through bridal magazines can give soon-to-be brides a lot of grand ideas, it often fails to prepare them for the real expenses that come with a wedding. From the venue to the food to the flowers, costs often end up with an extra zero on the end that you weren’t expecting.

For some couples, the costs are easy to keep under control. Sara and Andrew skipped the party and headed downtown, tying the knot for only $55. But the wedding-less wedding isn’t for everyone — not by a long shot. In fact, the typical wedding costs just over $35,000.

But whether you hire a wedding planner or decide to DIY, one of the easiest ways to save on the seemingly endless wedding costs can be to use a credit card. Not only will you typically get extra purchase security, but qualified applicants can find cards with 0% interest offers and awesome rewards to help you save a little — or a lot — on your big day.

0% Intro-APR | Air Miles | Cash Back | Points

Best “0% Intro-APR” Credit Cards for Wedding Expenses

Although many couples receive help from their parents to pay for the wedding, that help doesn’t always cover everything. The majority of couples will provide at least some of their own wedding financing, which can mean a lot of skimping and saving to foot thousands of dollars in bills. Using a typical credit card with an interest rate in the double digits can make these expenses grow exponentially if you’re not careful.

That’s where introductory 0% APR credit card offers can be a major lifesaver — and a budget saver. With a quality introductory offer, you can get 12 months or more of interest-free new purchases, giving you a little breathing room to focus on actually enjoying your wedding. Even better, many of our top-rated intro-offer credit cards won’t charge you an annual fee, either.

0% INTRO APR RATING

★★★★★
4.9

OVERALL RATING

5.0/5.0
  • 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, then a variable APR of 14.99 - 23.74%.
  • No annual fee
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% 15 Months
N/A
14.99%–23.74% Variable
$0
Good/Excellent

0% INTRO APR RATING

★★★★★
4.9

OVERALL RATING

5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99 - 23.74%.
  • 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
14.99% - 23.74% Variable
$0
Good/Excellent
Bank of America® Cash Rewards Credit Card Review

at Bank Of America'ssecure website

0% INTRO APR RATING

★★★★★
4.7

OVERALL RATING

4.7/5.0
  • 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings
  • 2% cash back at grocery stores and wholesale clubs
  • 1% cash back on all other purchases
  • You’ll earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%
  • There's no annual fee and your cash rewards don't expire. Each month, as you plan for future purchases, you can change your 3% choice category online or through our mobile app.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 Billing Cycles
0% Intro APR for 15 Billing Cycles (for balance transfers made in the first 60 days)
13.99% - 23.99% (Variable)
$0
Excellent/Good

+See More Intro-APR Cards

Of course, an important thing to remember about introductory offers is that they’re, well, introductory. Once your promotional period expires, your interest rate will return to the default rate, and any remaining balance will start accruing interest fees. Be sure to pay off your purchases before the end of your introductory period to avoid getting stuck with interest charges on your anniversary.

Another concern with some credit card financing offers is whether they operate with deferred interest. Many store credit cards — Zales, Amazon, etc. — use deferred interest models, which mean you’ll be charged interest for your entire purchase if any amount of the financed balance remains unpaid when the offer expires. So, make sure you know whether your card charges deferred interest before you start making purchases.

Best “Air Miles” Credit Cards for Wedding Expenses

Ah, the honeymoon. You and your new spouse, alone together, enjoying married life free from the responsibilities of the everyday world. Unfortunately, that enjoyment may only last about as long as it takes for the bill to arrive — a bill that averages between $4,000 and $5,000 for the typical couple. But what if you could earn a free honeymoon simply by paying for your wedding?

If that sounds strange, listen up. By using the right travel rewards credit card, you can earn points and miles toward a wide range of travel expenses, including hotel rooms, airline tickets, and rental cars — all without spending an extra dime. Our favorite travel rewards credit cards offer flexible redemption options, free from limitations like blackout dates or brand restrictions.

AIR MILES RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • 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®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.99% - 22.99% Variable
$95
Good/Excellent
Bank of America® Travel Rewards Credit Card Review

at Bank Of America'ssecure website

AIR MILES RATING

★★★★★
4.8

OVERALL RATING

4.7/5.0
  • Earn unlimited 1.5 points for every $1 you spend on all purchases everywhere, every time and no expiration on points
  • Enjoy no annual fee and no foreign transaction fees while earning points to use for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars or baggage fees
  • Introductory 0%† APR for your first 12 billing cycles for purchases.  After that, a Variable APR that's currently 14.99% to 22.99% will apply.
  • 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening – which can be redeemed for a $250 statement credit toward travel purchases
  • Preferred Rewards members earn 25%-75% more points on every purchase
  • That means you could earn up to 2.62 points for every $1 you spend, everywhere, every time.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 12 billing cycles
N/A
14.99% - 22.99% (Variable)
$0
Excellent/Good

AIR MILES RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • New Offer! Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.99% - 20.99% Variable
$95
Good/Excellent

+See More Air Miles Cards

Those who intend to travel abroad with their travel rewards credit card should look for cards, such as the options above, that don’t charge foreign transaction fees on transactions made in a non-US currency. Foreign transaction fees can range from 2% to 4% of your purchase total, which can add up quickly on a luxury honeymoon (or even an economy one).

Best “Cash Back” Credit Cards for Wedding Expenses

If you don’t need help with your travel expenses, but still want to save a little on your wedding’s bottom line, a cash back credit card can be a great option. You can redeem cash back rewards as a statement credit or have them deposited into an eligible bank account, no muss, no fuss.

Choosing a cash back card for your wedding expenses will likely come down to the best unlimited rate, as many wedding expenses — e.g., venues, flowers, etc. — will be unlikely to fall under most bonus categories. That said, a card offering bonus cash back in categories like travel or dining can be handy for destination weddings or rehearsal dinners. You can see some of our best cash back offers below to start your search.

CASH BACK RATING

★★★★★
5.0

OVERALL RATING

5.0/5.0
  • 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, then a variable APR of 14.99 - 23.74%.
  • No annual fee
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% 15 Months
N/A
14.99%–23.74% Variable
$0
Good/Excellent

CASH BACK RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
0% for 18 months
13.99% - 23.99% (variable)
$0
Excellent/Good
Bank of America® Cash Rewards Credit Card Review

at Bank Of America'ssecure website

CASH BACK RATING

★★★★★
4.8

OVERALL RATING

4.7/5.0
  • 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings
  • 2% cash back at grocery stores and wholesale clubs
  • 1% cash back on all other purchases
  • You’ll earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%
  • There's no annual fee and your cash rewards don't expire. Each month, as you plan for future purchases, you can change your 3% choice category online or through our mobile app.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 Billing Cycles
0% Intro APR for 15 Billing Cycles (for balance transfers made in the first 60 days)
13.99% - 23.99% (Variable)
$0
Excellent/Good

+See More Cash Back Cards

If you know you’ll be charging a lot of wedding expenses on your new cash back card, it can be a good idea to look for a card with a hefty signup bonus. While you’ll need to meet the minimum spending requirement to earn a bonus, the average wedding costs will likely meet — and exceed — most signup bonus requirements. Just be sure to pay off your balance before interest charges kick in to avoid wasting your bonus on interest fees.

Best “Points” Credit Cards for Wedding Expenses

In some ways, credit cards that offer rewards points are the best of both the cash back and travel rewards worlds. That’s because most points programs allow you to redeem your rewards for cash back or travel expenses, as well as a range of other options, including things like gift cards, event tickets, and exclusive experiences.

Selecting the right cards for wedding rewards points will depend both on how you think you’ll earn the most rewards — and how you intend to redeem them. Some points cards provide a simple unlimited rate on all purchases, while others offer bonus points for purchases in common spending categories, and each program will have its own variety of redemption options. Many of our top points cards offer the most per-point value when redeemed for travel expenses.

POINTS & GIFTS RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • 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®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.99% - 22.99% Variable
$95
Good/Excellent

POINTS & GIFTS RATING

★★★★★
4.8

OVERALL RATING

4.6/5.0
  • The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
13.49% - 23.49% (Variable)
$0
Good/Excellent

POINTS & GIFTS RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earn 50,000 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®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 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.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.99%-23.99% Variable
$550
Good/Excellent

+See More Points Cards

Some points cards will allow travelers who have a favorite airline or hotel brand to use their earned rewards points to add to a current frequent flyer or hotel loyalty account. Since transfers are usually only allowed to specific partner brands, check the issuer’s website to ensure your credit card rewards points can be transferred to your preferred airline or hotel loyalty program.

Start Off Your New Life with Rewards

For many couples, lifetimes of picturing the perfect day can lead to a lot of wedding excess — enough that some couples end up regretting their over-indulgent “I Do’s.” In the words of bride Kari S., “What I spent on wedding flowers could pay for two months of my mortgage. What the hell was I thinking?”

Rather than breaking the bank to throw a bash worthy of a reality TV season finale, the smarter move is to put a little more into your financial future as a couple. Thankfully, that doesn’t have to mean paper plates and a Justice of the Peace. With a little trim here, a little trim there — and some awesome credit card rewards — you can likely find a way to have your wedding cake, and eat it, too.

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