Short answer
You write a wedding card to the couple, using their preferred names. If they are married, you can write "Mr. and Mrs. Smith" or just their first names. If they have kept their own surnames, use both names.
When writing a wedding card, the most important thing is to address it to the couple as a pair, not to one person only. If they have taken the same surname, you can write "Mr. and Mrs. Smith" or "James and Sarah Smith". If they have kept their own surnames, write both full names, for example "James Brown and Sarah White". For same-sex couples, use the same rules, with both names on the card.
If you are close to them, first names are fine, such as "Dear James and Sarah". For more formal relationships, use titles and surnames, like "Dear Mr. and Mrs. Smith". If you are not sure which surname they use, check the invitation or ask a mutual friend. It is always better to ask than to guess wrong.
The card itself can be a simple note, a printed card, or a handmade one. Write a warm message inside, mentioning the wedding day and your best wishes for their future together. You can also include a gift or a gift card, but the card is the main thing. Sign your name clearly, and if you are writing on behalf of a family, include all the names.
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