Best credit cards for newlyweds

You've shaken the rice out of your shoes and you know that one set of tough decisions is behind you: where to marry, where to honeymoon, who's really the best man. Now wedding decisions give way to newlywed choices--less fun but no less important. One easy choice could save you money and better secure your future: Find a credit card deal that fits your newlywed life.

Use credit cards wisely to manage wedding debt

With the average wedding running close to $27,000, according to The Knot, you may find the billing statements from your old card are looking a little inflated. Transfer your balance to a lower-interest card to make paying it off easier.

Consider these options:

Discover it® : You may need some time to pay down that open-bar tab from the reception or great memories from your honeymoon. With the Discover it® Discover offers a zero-percent introductory APR for 18 months on balance transfers. As an added bonus, this Discover card also has a six-month zero-percent introductory APR on new purchases. After the introductory period, purchase and balance transfer APR's will vary with the market based on the Prime Rate and will depend on your creditworthiness and other factors. Discover's card has no annual fee.

PenFed Promise Visa® Card: An appealing choice if you're eligible for the Pentagon Federal Credit Union, the PenFed Promise Visa® Card features a generous introductory offer--7.49 percent introductory purchase APR for 36 months. After that, your APR will vary with the market based on the Prime Rate. There are no foreign transaction fees, no balance transfer fees, and no annual fees.

Build the basics, with cash back

So you got three slow-cookers but no silverware. No matter how thoughtful were your relatives and friends, you're still missing a few things from your joint household. If you anticipate a lot of purchases in the near future, take advantage of your spending spree with a cash-back program.

The Blue Cash Everyday® Card from American Express can earn you money back on your eligible everyday purchases, no enrollment is required and you can earn cash back in the same reward categories year-round:

  • Earn 3 percent cash back at U.S. supermarkets up to $6,000 per year in purchases (then 1%).
  • Earn 2 percent cash back at U.S. gas stations and 2 percent cash back at select U.S. department stores.
  • Other purchases can earn you 1 percent cash back.
  • Terms and limitations apply.

Your cash back will be received in the form of Reward Dollars and can be redeemed as a statement credit. The card has no annual fee. Terms and restrictions apply.

Kids to come? Never too soon for Disney

You may already be dreaming of starting a family--dreams that include road trips to the Grand Canyon, beach outings and, of course, a Disney vacation. One card brings that dream closer to reality.

Disney's Premier Visa® Card from Chase offers some of the best credit card rewards for a new family (or anyone who loves Nemo). In addition to being eligible for discounts at The Disney Store and Disney theme parks, you can save Disney Dream Rewards Dollars toward many things Disney, including:

  • Park passes
  • Stays at Disney Resorts
  • Dining at Disney restaurants
  • Store merchandise

You also can design your own card with different themes and characters from Disney films (including Nemo).

The card has low annual fee of $49 and a variable APR depending on your credit history. And, if you are interested Chase also offers a different version of this card that does not have an annual fee.

Invest in your future, together

Merging finances can be one of the most challenging parts of starting a life together. But while you're discussing whose student loans to pay off first, plan for the future by investing and building your retirement nest egg. Two cards make that easier.

Fidelity Investment Rewards American Express Card: Get your nest egg growing when you make purchases on the Fidelity Investment Rewards American Express Card, which deposits 2 percent cash back of your eligible purchases into a Fidelity account. The rewards benefit is unlimited, and the card has no annual fee.

Fidelity Retirement Rewards American Express Card: A great choice if you're looking even farther into the future, the Fidelity Retirement Rewards American Express Card is similar to the Investment Rewards card, but deposits are made to an individual retirement account, or IRA. The benefit for the retirement card is 2 percent cash back of eligible purchases. The rates and terms of the retirement card are the same as the investment card.

Compare credit cards whenever you reach a new milestone. A card for you or your spouse that fits your goals as a couple may be just the thing to get your lives together off to a strong financial start.