Tying the knot with your life partner? Take advantage of the best credit cards for wedding expenses and think about this absolutely amazing money-saving hack right now. Here’s how!
Your most magical and dreamy day can be the most expensive one. First of all, congratulations on your upcoming days with your loving one. But what about your expenses on this day! Well, we are here to help you out so that you can figure out how to pay for this special day. It is undoubtedly true that the cost of wedding programs may be 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 quite pocket friendly, the best credit card for wedding expenses will work well.
You may also get several hundred dollars toward your honeymoon or a purchase. You need to make sure that the best credit card for wedding is as compatible as your partner is for you. Well, how will you find the perfect fit for all your wedding expenses? Not worry anymore because here we are going to demonstrate everything about the credit card for wedding. We should tell you that there is no one-size-fits-all credit card on the market. It is true that every credit card will not work for you in every circumstance.
What you need to do is conduct proper research and find the best one. Here we will mention what to consider, how to consider it, etc. Through a lot of questions, you can narrow down your choice of the credit card. It will be easier for you to get the best fit. Check out right now and plan all your wish list for your D-day. 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 we should assure you that proper research work on credit cards can make you 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 best credit card for wedding expenses with self-discipline as well as caution. Here is a very basic reward structure of a credit card.
The sign-up bonus
In this case, you will get a huge amount of miles or bonus points when you will open the credit card account. This can be used when you are going to book a hotel to spend time with your partner.
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 when you will purchase every day and 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 you are hunting for the best credit card for a wedding, we should mention more illustrated types of credit cards. Below, you can make your choice of credit card as per the varieties.
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 gonna make you understand these varieties. Keep your brain excited with these words.
Credit cards that offer you great welcome bonuses
Within a small period of time, you need to spend a lot on this wedding day. You may think that you need to crash your bank but wait! Here you can take advantage of the best credit card for weddings. Few credit cards give you high welcome bonuses. It will help you to save more while purchasing something. When you will planning for photographers, wedding dresses, etc, it will take larger than normal prices. So it will be best to consider those reward bonuses to make your budget quite friendly for you.
Credit cards that earn lots of points apart from the typical categories
There are lots of bonus categories that you can see 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 to make your money problems less.
Credit cards that provide you with bonus points on dining
Reception at a wedding is a must-have part of your wedding. You can check ahead of time if any restaurant is associated with a credit card. If it is done, then you can make your arrangement for dining with that restaurant. In this case, you can make use of those reward points on the credit card, and of course, it will save your money more. Isn’t it helpful!
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 value flexibility as well as simplicity, you should choose a credit card for your wedding that will give you a great cashback offer. A credit card with a cashback offer will be easier 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. 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 your best credit card for wedding that offers you free nights or extra hotel credits on the card. 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, like a honeymoon, it will be best to have some trip insurance just in case. The great news is you can. If you get a credit card that offers proper travel insurance, you have nothing to worry about. We know that it will not be funny at all if your dreamy tour is canceled. But it will be worse if you lose money on that trip. In this scenario, trip cancellation insurance will work well. This type of credit card will help you avoid cancellation fees.
Apart from this, this credit card can reimburse you for non-refundable charges. Apart from this, a few credit cards will help you with car rental insurance. In this one, you can decline the coverage offered by the rental agency because you may already be covered. There are some other credit cards that help you with baggage delay insurance. Just in case your pieces of baggage are still en route and you reached the destination, it will be worse than ever before.
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 gonna offer you complimentary checked bags instead.
Credit cards that have no foreign transaction fees
Sometimes it may happen that you are abroad 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 varieties that you may consider before picking up the best credit card for wedding. Now we are gonna mention a few credit cards that can be a perfect fit for you. Go through all of these and make your choice the best one. Come, check this.
Best Credit Cards For Wedding Expenses In 2022
Here is a list of a few credit cards that 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 more knowledge and it 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 your welcome bonus, you will avail 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 to include 40+ Centurion Lounge and Studio locations worldwide. You will also get up to $200 in statement credit in 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 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 also, there are no Foreign Transaction Fees.
3. Citi® Double Cash Card
If you are an average spender, then this card is going to be the best credit card for wedding. 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 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 various great bonus categories. In the first year of the card, you will get 1.5% cash back on everything you buy. Also, enjoy % cash back on travel purchased through Chase Ultimate Rewards®. There is no such minimum value for the purchase or redemption.
You can also enjoy % Intro APR 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.
5. American Express® Gold Card
If you and your partner are completely food lovers, 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 gonna get 5x total reward points on air travel and 10x total points on hotels and car rentals. You are going to get 50% more value when you will redeem your reward points for travel through Chase Ultimate Rewards®. This card covers Trip Cancellation, Auto Rental Collision Damage Waiver, Lost Luggage Insurance, etc.
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 % intro APR 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 elite status in the World of Hyatt credit card 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.
The Final Thought
Planning for your wedding day can be sometimes daunting. Also, it will demand a huge expense. You can make this expense easy with the best credit cards for wedding. It will be the smartest way 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 the best wedding credit card and spend your day, especially with your life partner. We hope this article will help you a lot.
Read more: How To Use Credit Card Responsibly
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