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helping brides create beautiful weddings without breaking the bank

This post is part of a recurring series here on BSB – we share a wedding budget tip every Tuesday to help you save money on your wedding! You can also see past posts (and a sneak peek at what's ahead) on this wedding budget tips page for your convenience and future reference.

 

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Wedding Budget Tip #25:

Sign up for a rewards credit card for wedding purchases.

If there's one thing that I'm definitely not into, it's racking up debt. I have been a long time Dave Ramsey follower, and I generally don't believe in taking on debt of any kind, especially for your wedding day!

Even though I love Dave Ramsey, I don't 100% subscribe to his no-credit card policy. There's some good that can come from using certain credit cards — like awesome rewards miles and points towards travel. Many couples will take out a rewards card and put all of their wedding purchases on that card to earn points towards their honeymoon! If you're going to spend the money anyway, you might as well earn a little extra perks from it, right?

Do some research to find the best rewards cards for travel rewards to a destination you'd like to go. Consider airline rewards cards, hotel rewards cards, etc — use your rewards credit card exclusively for wedding purchases and earn points to redeem for free honeymoon flights, free hotel nights, or other great rewards depending on the card you choose. Many cards come with a sign-up bonus like 50,000 miles if you spend a certain amount in the first few months, so it's definitely worth checking for bonuses like that for added deals!

Like I mentioned in a recent episode of the Save the Date podcast, I love to check out suggestions from The Points Guy — he's rounded up the best travel rewards credit cards to earn free travel, so be sure to check out that post if you're interested!

Be sure to keep things in mind like annual fees, interest rates, etc when comparing cards. We have several different credit cards now that we use for different things, but of course we pay them off each month and don't carry over a balance, so we're not paying interest on anything.

If you decide to use a credit card to earn points on your wedding purchases, just make sure to pay it off every month with funds from your wedding savings account. If you're smart and savvy in how you use your card, you can truly make it work FOR you instead of against you.

So tell us:

do you take advantage of credit card reward points?

Leave a comment below and let us know!

 

 

 

Want more wedding budget tips? Come back next Tuesday for the next post in this series.

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About Jessica

Jessica is the creator of The Budget Savvy Bride; she launched the site in May of 2008, shortly after becoming engaged. Jessica has been recognized as a budget wedding expert by various media outlets and continues to share realistic inspiration and actionable tips to help brides save money on their weddings. Google

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  • Melanie C

    LOVE this post!! Great TIP Jessica!!
    Both my fiancé and I got Citibank Thank You credit cards and its been amazing. With all of our points we have been able to buy round trip airline tickets for the both of us for our honeymoon and gifts for people that are assisting us in the wedding planning. Best card ever because no annual fee, Thank You rewards center has any and (electronics, cookware, flights, hotels, car rentals, etc.), includes insurance for car rentals and trips…and many other perks.
    Best Advice: NEVER charge something you don’t have the money for ALREADY in your checking account. Why? No debt, no interest rate charge and keeps that FICO score Good! 🙂

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