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Best Credit Cards for Weddings and Honeymoons in 2022

Best Credit Cards for Weddings and Honeymoons in 2022

Our pick for the best credit card for weddings is the Capital One Savor Cash Rewards Credit Card, because it offers 4% cash back on qualified dining and entertainment purchases, a low annual fee and a significant sign-up bonus.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more. Citi is an advertising partner.

Best credit cards for weddings and honeymoons

Best overall and for wedding expenses

Capital One Savor Cash Rewards Credit Card

credit card

Best for honeymoon expenses

Chase Sapphire Preferred® Card

On Chase's Secure Website

Best for financing large wedding expenses

Citi® Double Cash Card – 18 month BT offer

On Citibank's Secure Website

Pick a card category:

The best credit cards for weddings and honeymoons have relevant reward rates, generous bonuses, low annual fees or a 0% introductory APR. Whether you are planning a destination wedding, a luxurious international honeymoon or a more traditional wedding, there is likely a credit card that can work for you.

To find the best credit cards for weddings and honeymoons, we compared a list of credit cards that offered high travel or entertainment rewards, welcome bonuses and low annual fees.

Best credit card for weddings and wedding expenses

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Card not available

Capital One Savor Cash Rewards Credit Card

Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening

To cover major wedding expenses like dining and entertainment, we recommend the Capital One Savor Cash Rewards Credit Card because it offers unlimited 4% cash back on dining and entertainment. So long as your vendor or hired entertainment categories themselves under one of the qualifying entertainment merchandise company codes, you can cash in on wedding venue expenses.

While there is a $95 annual fee, this card has 0% foreign transaction fees and lets you Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening .

  • Earn unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases.
  • Large cashback sign-up bonus
  • 0% foreign transaction fees
  • $95 annual fee
  • Entertainment vendors that aren't categorized in a qualifying entertainment company codes will only get 1% cash back
  • Some benefits are only available to the primary cardholder, not the authorized user


Best credit card for weddings in a destination

The Platinum Card® from American Express

See Rates & Fees. Terms Apply. On American Express' Secure Website

Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.

$695

See Pay Over Time APR

660 - 850

  • Earn 100,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®. And if you fly, you can receive up to $200 in statement credits per calendar year after you select a qualifying airline and incidental fees are charged by the airline to your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card® on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax. Plus Ups are excluded.
  • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. There are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $25 back each month on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card®. Enrollment required.
  • $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership. CLEAR® is available at select airports and stadiums.
  • $695 annual fee.
  • Terms Apply.

We chose The Platinum Card® from American Express for destination weddings because it offers a $200 annual hotel statement credit, 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel. Terms apply.

Currently, the card offers a very large welcome offer that can go a long way toward airfare to your wedding venue.

Additional perks include up to a $240 yearly digital entertainment credit (enrollment required), an Uber Cash benefit (enrollment required), up to a $300 yearly Equinox credit (enrollment required) and up to a $200 airline fee credit (enrollment required). If you can take advantage of them, these credits can balance out the card's hefty $695 annual fee.

Note, unlike typical credit cards, the The Platinum Card® from American Express lets you carry a balance on some charges, but not all.

For rates and fees of The Platinum Card® from American Express, please click here

  • Complimentary access to a large lounge network, including Delta Sky Clubs and Centurion Lounges
  • Large welcome offer
  • More than $1,000 worth of annual credits
  • Flexible points that you transfer to many loyalty programs, including Delta SkyMiles
  • Terms apply
  • $695 annual fee
  • Some perks are only available to the primary cardholder
  • Credits can be challenging to use
  • High spending threshold to earn welcome offer
  • Terms apply


Best credit card for honeymoons and honeymoon expenses

Chase Sapphire Preferred® Card

On Chase's Secure Website

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.

$95

18.24% - 25.24% Variable

720 - 850

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • 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.
  • With Pay Yourself BackSM, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.

The Chase Sapphire Preferred® Card is our pick for best credit for honeymoons because it earns 5x rewards points on travel through Chase Ultimate Rewards®, which can transfer to several airlines worldwide, has a low annual fee, a $50 annual statement credit for hotel stays and a substantial welcome bonus.

Cardholders earn 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases.

While there is a $95 annual fee, it is more manageable compared to other cards that offer high travel rewards, like The Platinum Card® from American Express. This card can also work well in combination with the Chase Freedom Flex℠, but you need to keep the 5/24 rule in mind when you apply.

  • 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases
  • Large sign-up bonus
  • Flexible points that you can transfer to airline and hotel loyalty programs, including United and Southwest
  • $95 annual fee
  • High spending thresholds to earn welcome bonus
  • Need to have 720 - 850 credit


Best credit card for weddings and hotels

Hilton Honors American Express Card

See Rates & Fees. Terms Apply. On American Express' Secure Website

100,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership. Plus, you can earn up to $100 in Statement Credits on eligible purchases made on the Card at any of the Hilton family hotels in the first 12 months of Membership.

$0

18.74%-27.74% Variable

660 - 850

  • Earn 100,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership. Plus, you can earn up to $100 in Statement Credits on eligible purchases made on the Card at any of the Hilton family hotels in the first 12 months of Membership.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio.
  • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
  • No Annual Fee.
  • Terms Apply.

We recommend the Hilton Honors American Express Card for hotel accommodations because you can earn 7x reward points on hotels and resorts in the Hilton portfolio, it has $0 annual fee, no foreign transaction fees and can help you earn a large number of points through its generous welcome offer.

Cardholders Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5X Hilton Honors Bonus Points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations AND 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. You can add an additional for an authorized user to help meet the threshold for welcome offers.

While you're limited to the Hilton portfolio to maximize points on this card, you can receive Hilton Honors Silver status automatically and upgrade to gold status when you make $20,000 in eligible purchases in a calendar year (enrollment required). The Hilton portfolio covers 119 countries and over 6,500 properties which can provide multiple opportunities to maximize the benefits of this credit card.

For rates and fees of Hilton Honors American Express Card, please click here

  • $0 annual fee
  • Generous welcome offer
  • Earn a large number of points on a wide variety of categories, including U.S. restaurants, U.S. supermarkets and U.S. gas stations
  • Automatic elite status (enrollment required)
  • Terms apply
  • Limited to Hilton portfolio to maximize rewards
  • High spending thresholds to earn welcome offer
  • Hilton points are inflated, worth around only 0.5 cents each
  • No 0% introductory APR benefit
  • Terms apply


Best credit card for married couples

Chase Freedom Flex℠ Card

On Chase's Secure Website

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

$0

17.24% - 25.99% Variable

660 - 850

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24% - 25.99%.
  • No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

The Chase Freedom Flex℠ is our pick for best credit card for married couples, because it has $0 annual fee, offers 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

The Chase Freedom Flex℠ gives major cash back rewards for essential expenses for married couples, like food and travel. Both primary and authorized users can earn points for purchases.

This card also has a 0% Intro APR on Purchases for 15 months and a 0% Intro APR on Balance Transfers for 15 months (followed by a 17.24% - 25.99% Variable APR).These perks may give married couples flexibility to maximize cash back and pay back expenses interest free for the first 15 months.

  • $0 annual fee
  • Enroll and earn 5% cash back on rotating categories for up to $1,500 in purchases each quarter
  • Earn 5% cash back on travel through Chase Ultimate Rewards®
  • 0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months (followed by a 17.24% - 25.99% Variable APR)
  • Generous welcome bonus
  • 3% of each transaction in U.S. dollars foreign transaction fee
  • The 5% quarterly categories have a limit of $1,500 purchase limit (you earn 1% thereafter)
  • You have to enroll each quarter to earn 5% cash back on the rotating categories


Best credit card for weddings and financing large expenses

Citi® Double Cash Card – 18 month BT offer

On Citibank's Secure Website

For a limited time, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.

$0

16.99% - 26.99% (Variable)

660 - 850

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • For a limited time, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 16.99% - 26.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • 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 an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

For financing large wedding expenses, we chose the Citi® Double Cash Card because it has an intro APR 0% for 18 months on Balance Transfers (followed by a 16.99% - 26.99% (Variable) APR) and $0 annual fee. You can Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

The balance transfer offer may give you the flexibility to pay back large wedding expenses over a year without interest. There are no limits or category restrictions on the purchases that earn cash back rewards, making this card very flexible.

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • intro APR 0% for 18 months on Balance Transfers (followed by a 16.99% - 26.99% (Variable) APR)
  • $0 annual fee
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.
  • Can't earn more than 2% cash back
  • You must pay your balance on time to earn the full amount of cash back


Best credit card for weddings and limited credit

unavailable card art
Card not available

Capital One Quicksilver Secured Cash Rewards Credit Card

1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)

We nominated the Capital One Quicksilver Secured Cash Rewards Credit Card as the best credit card for couples with limited credit because it offers 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply), a refundable deposit, no authorized user fees and 28.49% (Variable) annual fee.

While this secured card does require a $200 security deposit, you can get your deposit refunded if you are eligible for an upgrade to the unsecured Capital One Quicksilver Cash Rewards Credit Card. Additional perks include None foreign transaction fees and no replacement card fees.

  • 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
  • Refundable security deposit
  • $0 annual fee
  • Has relatively low cash back reward compared to other cards
  • Has a high 28.49% (Variable) APR
  • Requires a $200 security deposit

Compare the best credit cards for weddings and honeymoons of 2022

Best For
Welcome offer
Credit Score Needed
Annual Fee
Best for wedding expenses

Capital One Savor Cash Rewards Credit Card

unavailable credit card
Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening660 - 850$95Read Review
Best for destination weddings

The Platinum Card® from American Express

The Platinum Card<sup>®</sup> from American Express
Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.660 - 850$695
Apply Now
See Rates & Fees. Terms Apply. On American Express' Secure Website
Best for honeymoon expenses

Chase Sapphire Preferred® Card

Chase Sapphire Preferred<sup>®</sup> Card
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.720 - 850$95
Apply Now
On Chase's Secure Website
Show All Rows

Note, unlike typical credit cards, the The Platinum Card® from American Express and Hilton Honors American Express Card let you carry a balance on some charges, but not all.

6 ways to pay for your wedding and honeymoon

  • Credit card: Credit cards can be a convenient way to pay for your wedding and honeymoon because you can only use what you need up to your credit limit, make repayments over time and earn rewards. Key benefits can include a 0% intro APR, purchase protection and cash back bonuses. On the downside, you may have to pay high interest rates and need to think carefully about your credit utilization ratio.
  • GoFundme: If you don't want to take out a loan or credit card, then fundraising through GoFundMe could be a good way to pay for your wedding and honeymoon. GoFundMe is an online fundraising platform that allows you to raise money in a matter of minutes.
  • Registry: Your wedding registry can help you with more than gifts for after the wedding day. You can ask for cash to cover wedding and honeymoon expenses through a platform like Honeyfund. Your friends and family can also consider gifting their travel miles to you for your honeymoon.
  • Travel miles: If you have already racked up travel miles before your big day, consider using them toward your honeymoon.
  • Save a sinking fund: A sinking fund is money set aside each month for planned expenses. So if your wedding is 18 months away, you can take the wedding expenses divided by 18 months to create your monthly sinking fund.
  • Personal loan: Unlike credit cards, a personal loan would give you the full amount you need upfront and obligates you to pay it all back by the end of the term. However, personal loans can help you pay for wedding expenses directly or consolidate credit card debt from wedding expenses. With a personal loan, you can pay off debt in 12 to 60 months and you can typically get a lower interest rate if you have good credit.

Credit cards for weddings FAQs

Can you pay for a wedding with a credit card?

Yes, you can use a credit card to pay for wedding expenses such as entertainment and dining.

What's the best credit card for newlyweds?

The best credit card for newlyweds is the Chase Freedom Flex℠, because it has a $0 annual fee, a large welcome bonus and lets you 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

What are the advantages and disadvantages of having your spouse as an authorized user on your credit card?

A major advantage to having your spouse as an authorized user on your credit card is that they can build credit. An authorized user can also help you meet spending thresholds to earn welcome bonus offers. However, some cards have additional fees for authorized users. Also, it may cause tension in the relationship if your spouse makes poor spending decisions that lead to debt.

Should I get a credit card for the wedding?

It depends. While there are many benefits to a credit card like earning a welcome bonus on rewards on purchases for your wedding, there is also the disadvantage of racking up debt, which can hurt your credit score. You should consider saving a sinking fund and fundraising the money before you turn to credit cards for wedding expenses.

Can you put a wedding deposit on a credit card?

Yes, you can use a credit card for wedding expenses like a deposit with a venue, but keep in mind that certain small businesses might not accept credit cards. Make sure to ask your wedding vendors if they accept credit cards before you book and also find out how they categorize their company codes to maximize on potential credit card rewards.

Recap of the best credit cards for weddings and honeymoons of October 2022

Methodology

ValuePenguin evaluated over 50 different credit cards to examine reward rates, credit score requirements, bonuses and annual fees to narrow down a list of best credit cards for weddings. We prioritized cards that offered high travel and entertainment rewards and free authorized users.

For rates and fees of The Platinum Card® from American Express, please click here

For rates and fees of Hilton Honors American Express Card, please click here

The information related to Capital One Savor Cash Rewards Credit Card and Capital One Quicksilver Secured Cash Rewards Credit Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).