Tying the knot with your life partner? Take advantage of the best credit cards for wedding expenses and try out these amazing money-saving hacks right now. Here’s how!
Best Credit Cards For Wedding Expenses (Jump To Section)
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First of all, congratulations on your upcoming days with your loved one. But what about your expenses on D-day? Your most magical and dreamy day can be the most expensive one too. Well, we are here to help you sort that out so that you can enjoy your special day rather than just trying to figure out how to pay for it. It is undoubtedly true that the sheer expense of wedding programs is intimidating. What you can do is lessen this monetary impact on your wallet by making use of credit card rewards and perks. To make your wedding pocket friendly, you can make use of the best credit cards for wedding expenses that are available in 2022.
You may also get several hundred dollars toward your honeymoon or other purchases. All you need to do is make sure that the credit card for your wedding expenses is as compatible as your partner is for you. Well, how will you find the perfect fit for all your wedding expenses? Not to worry about it anymore. Here, we are going to demonstrate everything about credit cards for weddings. We should tell you that there is no one-size-fits-all credit card on the market. Indeed, every credit card will not work for you in all circumstances.
What you need to do is conduct proper research and, after that, select the best one that fits your needs. Here we will mention what to consider, how to consider it, etc. Through a series of questions, you can narrow down your choice for a credit card. Check out the whole article and plan all your wish lists for your D-day accordingly and thank us later!
Can Using Credit Cards For Wedding Expenses Help Save Money?
There are lots of people who have a fear of credit cards. But a little research work on credit cards can make it abundantly clear that by using a credit card you can earn lots of perks and benefits. There are various kinds of credit cards that can be used as your money-saving tool. You just need to make use of the right credit card for your wedding expenses with self-discipline as well as caution. Here is a very basic brief about the reward structure for a credit card.
The sign-up bonus
You will get a huge amount of miles or bonus points when you will open a credit card account. This can be used when you are going to book a hotel to spend time with your partner. Honeymoon presents a good opportunity to utilize some of these signup bonuses.
The flat-rate cashback offer
Whenever you will make a purchase, you will get a certain rate of cash back on your purchase. This will be helpful for your wedding when you will buy larger items.
This can work well when you purchase things every day as a small amount of cashback is rewarded to you. If you are quite flexible with your spending, rotating categories can be a nice choice for you.
Well, when hunting for the best credit card for a wedding, you should be aware of the types of credit cards there are. From the below list, you can choose of credit card as per your requirements.
The varieties are as follows.
- Credit cards that offer you great welcome bonuses.
- Credit cards that earn lots of points apart from the typical categories.
- Credit cards that provide you with bonus points on dining.
- Credit cards that offer protection, warranty, and return protection.
- Credit cards that give you great cash back.
- Credit cards with the facility of free authorized users.
- Credit cards that make you earn bonus points on travel.
- Credit cards that are associated with hotel elite status.
- Credit cards that provide you with free nights or hotel credits.
- Credit cards that cover travel insurance.
- Credit cards that come with free checked luggage.
- Credit cards that have no foreign transaction fees.
You may ask what these categories are. We are going to give you a brief understanding of these varieties.
Credit cards that offer you great welcome bonuses
Within a small period, you need to spend a lot for a wedding. You may think that you need to crash your bank but wait! Here you can take advantage of a credit card for wedding expenses. Few credit cards give you high welcome bonuses. This can help you to save more while purchasing something. When you are planning for photographers, wedding dresses, etc, it is expected that you will end up spending more than normal. So it will be best to consider those reward bonuses to make your budget more pocket friendly for you.
Credit cards that earn lots of points apart from the typical categories
There are a lot of bonus categories you can find on credit cards. It can be travel, groceries, dining, lodging, etc. It will be great to choose a credit card that offers bonus points in various categories so that you can make use of those bonus points somewhere else in a smart way.
Credit cards that provide you with bonus points on dining
Wedding receptions are the talk of the whole wedding ceremony. You can check ahead of time if any restaurant is associated with a certain credit card. If it is, then you can make your arrangement for dining with that restaurant using that credit card and hope for some great benefits and offers. In this case, you can make use of those reward points on the credit card, and of course, it will save you more money. Isn’t that pretty nifty?
Credit cards that offer protection, warranty, and return protection
As you are going to make large expenses with a credit card, it is necessary to have one that will provide you with extra protection like return protection, fraudulent work monitoring, purchase protection, warranty protection, etc. Keep an eye on these points too.
Credit cards that give you great cash back
If you want flexibility as well as simplicity then you should choose a credit card for your wedding expenses that will give you a great cashback offer. A credit card with a cashback offer will be easier to use because this offer is easy to redeem and also easy to earn. Sometimes you may want to replenish your savings so that you can put more bucks into your honeymoon days. Cash-back credit cards are great choices for that particular thing.
Credit cards with the facility of free authorized users
If both you and your partner want to make use of the credit card frequently, you can check for a credit card that gives you the facility of free authorized using activity. In this way, both of you can get cash back offers or other rewards in the same credit card account.
Credit cards that make you earn bonus points on travel
Travel is quite a common category that can make a lot of bonus points on various credit cards. If you want to put your large travel expenses on your credit card, you can check out a few travel-friendly credit cards as well. These cards can help you in getting air miles, hotel booking options, etc. Those miles can be used further.
Credit cards that are associated with hotel elite status
A few credit cards are associated with various luxurious hotel programs. If you want to spend a few days in a luxurious vibe with your partner, check beforehand if the card can bear that luxury. Sometimes, it may earn you free nights at various resorts, loyalty programs, etc.
Credit cards that provide you with free nights or hotel credits
Staying at an exclusive resort is a dream for every newly married couple. You can choose a credit card for wedding expenses, specifically, that offers you free nights or extra hotel credits on it. Through this, you can make your budget lower but can enjoy a lot of facilities on the card.
Credit cards that cover travel insurance
If you are planning a big tour with your partner for a honeymoon, it will be best to have some type of trip insurance just in case. The great news is you can do it easily with a credit card. If you get a credit card that offers proper travel insurance, you have nothing to worry about. As unfortunate as it is what if your dreamy tour gets canceled? It will be worse if you lose money on that trip without even getting to enjoy it. In this scenario, trip cancellation insurance will save the day. This type of credit card will help you avoid cancellation fees.
Apart from this, this credit card can reimburse you for non-refundable charges as well. A few credit cards will help you with car rental insurance too. In this one, you can decline the coverage offered by the rental agency because you may already be covered. Some other credit cards help you with baggage delay insurance as well.
If your credit card offers you baggage delay insurance, you can get reimbursement to make purchases of the essentials you need while waiting.
Credit cards that come with free checked luggage
If you are planning a long honeymoon, you might end up bringing a lot of baggage with you. Instead of getting hit with high luggage fees, you can make use of a credit card that is going to offer you complimentary check-in bags instead.
Credit cards that have no foreign transaction fees
Sometimes you may be outside your home country and you need to use your credit card. You can pick up a credit card that does not charge a single penny as a foreign transaction fee. It will be easier for you to choose one of them to get more savings on your budget.
So here are a few credit cards that you may consider. One of these can be a perfect fit for you. Go through all of these and make a choice as per your needs and requirements.
Best Credit Cards For Wedding Expenses
Here is a list of a few credit cards that can work well for wedding days.
- The Platinum Card® From American Express
- Chase Sapphire Preferred® Card
- Citi® Double Cash Card
- Chase Freedom Unlimited® Card
- American Express® Gold Card
- Chase Sapphire Reserve® Card
- Blue Cash Everyday Card from American Express
- Hilton Honors American Express Aspire Card
- The World of Hyatt Credit Card
Now, let’s talk about these cards to get to know them a little better. A small brief about them will help you to get familiar with all the facilities on the card.
1. The Platinum Card® From American Express
The Platinum Card® from American Express is known as the most luxurious card with exquisite travel benefits. You can get the best lounge access to free credits on this card. Though this credit card comes with an annual fee of $695, you can get a good welcome bonus. As a welcome bonus, you can make avail yourself of 100,000 Membership Rewards® points after you spend $6,000 on purchases on the card within the first 6 months of joining.
Apart from this, you will be eligible for 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. Another 5X Membership Rewards® Points will be credited on prepaid hotels booked with American Express Travel. American Express is famous for its Centurion® Network which includes 40+ Centurion Lounge and Studio locations worldwide. You will also get up to $200 in statement credit for your baggage fee per year. Also, there are no Foreign Transaction Fees on this card.
2. Chase Sapphire Preferred® Card
With a moderate annual fee of $95, this card offers a huge welcome bonus, good benefits, and much more. As your introductory bonus points, you will get 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. You will also be eligible for 5x Rewards on travel purchased through Chase Ultimate Rewards®. Apart from this, 3x on dining and 2x on all other travel purchases are available with this credit card.
You will get 25% more value from this card when you will redeem it for airfare, hotels, car rentals, and cruises. But all of these should be booked through Chase Ultimate Rewards®. This credit card is also quite good because it provides you with Auto Rental Collision Damage Waiver, Lost Luggage Insurance, Trip Cancellation, Interruption Insurance, etc. On this card, there are no Foreign Transaction Fees either.
3. Citi® Double Cash Card
If you are an average spender, then this card is going to be the best credit card for wedding expenses. You can earn 2% on every purchase with unlimited 1% cash back. Apart from this, extra 1% cash back is also given for those purchases. You can enjoy a 0% introductory APR (Annual Percentage Rate) for the first 18 months on balance transfer. After that, the rate will vary from 15.49% to 25.49%. This card demands 3% foreign transaction fees for the U.S. dollar amount of each purchase.
4. Chase Freedom Unlimited® Card
Another interesting credit card is the Chase Freedom Unlimited® which provides you with several great bonus categories. In the first year of the card, you will get 1.5% cash back on everything you buy. Also, enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®. There is no such minimum value for the purchase or redemption.
You can also enjoy 0% Intro APR(Annual Percentage Rate) for 15 months from account opening on purchases and balance transfers. After this period, the rate will vary from 16.49% to 25.24%. A 3% foreign transaction fee is applicable.
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5. American Express® Gold Card
If you and your partner are avid food lovers, then this American Express Gold Card will help you undoubtedly. This card demands a $250 annual fee. As an introductory offer, you will get 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months. You will get 4X Membership Rewards® Points at Restaurants, takeout, and delivery in the U.S.
You can get 3X Membership Rewards® Points on flights booked directly with airlines. You can also get $120 Uber Cash on Gold Card per year. You will get lots of statement credit when you will pay with your card in various food joints. The card comes with no foreign transaction fee.
6. Chase Sapphire Reserve® Card
The Chase Sapphire Reserve® comes with an annual fee of $550. As a welcome bonus, you will get 60,000 bonus points after you spend $4,000 on purchases in the first 3 months. On this card, you are going to get 5x total reward points on air travel and 10x total points on hotels and car rentals. You will get 50% more value when you redeem your reward points for travel through Chase Ultimate Rewards®. This card covers Trip Cancellation, Auto Rental Collision Damage Waiver, Lost Luggage Insurance, etc.
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7. Blue Cash Everyday Card from American Express
The Blue Cash Everyday Card from American Express comes with no annual fee which gives you a $200 statement credit after you spend $2,000 on your new Card within the first 6 months. You will enjoy a 0% intro APR (Annual Percentage Rate) for the first 15 months. After that, the rate will vary from 15.49% to 26.49%. You will also get 3% cash back at U.S. supermarkets on up to $6,000 per year. Another 3% cash back is available at U.S. gas stations.
8. Hilton Honors American Express Aspire Card
The Hilton Honors American Express Aspire card is another interesting card that gives you top-level Hilton Diamond Elite status. As a card member, you will get a 100% bonus on base points earned. You can enjoy the 5th-night free benefit on award stays, executive lounge access, complimentary breakfast, etc. Room upgrades can also be enjoyed sometimes.
9. The World of Hyatt Credit Card
Another credit card with an elite status is the World of Hyatt credit card. It takes $95 as an annual fee. As your welcome bonus, you will enjoy 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. You can also enjoy complimentary World of Hyatt Discoverist status for as long as your account is open. If you can spend $15,000 in a calendar year, you will get an extra free night at any Category 1-4 Hyatt hotel. This credit card has no foreign transaction fee.
Some Final Thoughts
Planning for your wedding day can be sometimes daunting. Also, it will demand a huge expense. You can make this expense easy with the above-mentioned credit cards for wedding expenses. It is certainly one of the smartest ways to get rid of huge monetary expenses for your special day. The best credit card will also help you to earn lots of reward points or cash back for every buck you spend. So without any hesitation, pick up a credit card and enjoy spending rather than just worrying. We hope this article helped you in any meaningful way. Stay tuned for more similar informative content.
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