Best Credit Cards for Engaged Couples during Wedding Planning (2024)

FAQs

Best Credit Cards for Engaged Couples during Wedding Planning? ›

With the Wells Fargo Reflect® Card, you can get a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers (then 18.24%, 24.74%, or 29.99% variable APR thereafter). Balance transfers made within 120 days from account opening qualify for the intro rate, BT fee of 5%, min: $5.

With the Wells Fargo Reflect® Card, you can get a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers (then 18.24%, 24.74%, or 29.99% variable APR thereafter). Balance transfers made within 120 days from account opening qualify for the intro rate, BT fee of 5%, min: $5.

If you're interested in applying for a joint credit card, you and the other individual will typically go through the application process together. You'll most likely see a hard inquiry on both of your credit reports, too, as both of your credit histories will be considered before the account can be approved.

Sharing a credit card can help the partner with the lower credit score start to build their credit and raise their score. There are two options for sharing a card, Kuderna explains. You can open a joint card or have the spouse with the lower credit score become an authorized user on the other's credit card.

Yes, it's fine to narrow down your wedding party before your engagement. However, we recommend waiting until you have a ring on your finger to officially ask your family members and friends to be part of your wedding party.

Couples typically pay for a wedding with cash, credit cards or gifts from family and friends. A smaller percentage choose to take out a personal loan to finance their big day. Weigh the pros and cons of each option when choosing how to pay for your wedding.

Instead, host it at your home, or ask a friend or family member if they're willing to lend you their backyard (or even indoor area) for a day. Alternatively, opt for having a ceremony at the town hall and invite only a few people, and then host your reception at a public park or beach.

You'd have to apply for and open a joint account together. What are good alternatives to a joint credit card account? If you want to share a credit card account with someone, consider adding them as an authorized user on one of your cards.

Couples who manage their finances separately will generally want separate credit card accounts. However, even if you manage your finances separately, you may want one or two shared credit card accounts for shared expenses.

Most credit card applications will ask for household income. For example, if you are married and file taxes jointly, the higher income will help you qualify for a higher credit limit and lower interest rates, he said.

Why is my husband's credit score higher than mine? ›

Why spouses may have different credit scores. Your spouse may have a different credit score because of your different credit histories. Information that is part of your individual credit history includes: Payment practices: Showing a history of consistent payments on time can improve your credit score.

When you add an authorized user to your credit card account, information from the account — like the credit limit, payment history and card balance — can show up on that person's credit reports. That means their credit can improve as a result of being added to a credit account you keep in good standing.

There is no real rule of thumb about when you should get married after you get engaged. Brides.com suggests that most weddings are a year or eighteen months after the engagement. That's why so many engagements happen in the winter months, they said.

If you want to keep it traditional, the masculine form fiancé is typically used to describe “an engaged man,” while the feminine form fiancée is used to describe “an engaged woman.” Pronunciation of both fiancé and fiancée is identical.

There is no hard and fast rule about exactly when to throw an engagement party, but they are typically held within a few months of the proposal. Engagement party invitations should be sent around four to six weeks before the event to give guests proper notice.

The U.S. Bank Visa® Platinum Card offers a long 0% intro APR period on both purchases and balance transfers, earning it NerdWallet's 2021 award for best 0% intro APR card. The card doesn't offer rewards, which means it won't provide much long-term value beyond it's interest-free period.

Zero-percent offers are pretty common on cash-back credit cards as well as on cards specifically marketed as balance-transfer or low-interest options. They're less common on travel rewards or airline credit cards. Some cards offer 0% periods of 20 months or more, but periods of six to 12 months are more typical.

A 0% credit card is a credit card with a 0% introductory/promotional interest rate available for a set duration. This means you can spread costs by paying off less than the full amount each month and still pay no interest. Once the offer ends, the standard rates will apply to the remaining balance of your card.

0% APR cards require good to excellent credit

This means you'll need a FICO credit score of at least 670 or a VantageScore credit score of at least 661. If you have very good or excellent credit, which means a FICO score of at least 740 or a VantageScore of at least 781, your chances of approval are even higher.