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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.
Avoid Annual Fees With Wells Fargo
If you like the idea of earning bonus rewards and redeeming them for travel, but don't want to worry about an annual fee, consider getting the Wells Fargo Visa Signature® Card and Wells Fargo Propel American Express® Card.
Wells Fargo Visa Signature® Card
With the Wells Fargo Visa Signature® Card, you'll get 5 Go Far Rewards points per dollar on up to $12,500 you spend on gas, groceries and at drug stores during your first 6 months with the card. These may align with some of your wedding purchases, especially if you're preparing some of the meals on your own or want to stock up on toiletries for guests you may host at home.
You also get 1 point per dollar on other purchases. But the main reason you want this card is that your points will be worth 1.5 cents each if you redeem them for airfare, rather than 1 cent each when redeemed for cash.
The is going to be your main point-earning workhorse in this combination. It has an intro bonus of points if you make worth of purchases within your first months.
You can earn Go Far Rewards points per dollar on eating out and ordering in, travel, gas stations and select streaming services and point per dollar on purchases that don't fit into a bonus category. And the card doesn't charge you foreign currency conversion fees.
You can transfer your Go Far Rewards points from the to the Wells Fargo Visa Signature® Card before redeeming the points for airfare to increase their value.
The setup isn't as rewarding as the Chase combination above and you won't receive any extra cardholder perks. You're also limited in only getting extra value when redeeming your points for airfare rather than multiple forms of travel. However, the lack of annual fees could make this an appealing option for some couples.
Capital One SavorOne Cash Rewards Credit Card
The Citi® Double Cash Card is great on its own, but you can greatly increase your cash back earnings by combining it with the Capital One SavorOne Cash Rewards Credit Card. This card carries a $0 annual fee, but it's waived the first year. If you make $500 worth of purchases during your first 3 months with the card, you'll get a $200 intro bonus.
You'll earn 200 cash back on dining and entertainment purchases, 200 at grocery stores and 200 cash back on other purchases. The dining category includes restaurants, lounges, bars, fast-food chains and bakeries, while entertainment includes movie theaters, tourist attractions, aquariums, zoos and more. If the bonus categories align with your wedding plans, the 200 cash back rate could make this card a stand-out option.
If you'll only have a few bonus-category expenses, the Capital One SavorOne Cash Rewards Credit Card might make more sense. It doesn't have an annual fee, but it also has a smaller intro bonus and only offers 3% cash back on dining and entertainment, 3% at grocery stores and 1% elsewhere.
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.