Here’s my reasoning:

1. Weddings are expensive, but the high cost also provides an opportunity to earn a lot of points.

2. When redeeming points, 6-12 months out is generally the sweet spot for award availability. This aligns well with the time frame for honeymoon planning.

3. A lot of points + ideal schedule for award searches? Jackpot.

Earning points is relatively easy. Redeeming them for a free honeymoon is complex. With the stress and busyness of wedding planning, the last thing you want to do is spend hours deciphering airline and hotel award charts. I’ll help you navigate through the intricacies of the points world and help you get your trip booked!

Many vendors do accept card payments but choose not to advertise this because of transaction fees. You should always ask vendors if they accept credit cards. If they’re hesitant, offering to pay the 2-3% of vendor-associated transaction fees may help.

Wait, did I just suggest that you should pay a vendor more money? Well, in certain situations, paying an extra $50-$100 on a $3k payment could help you earn a lot of points. Those points will eventually help you save thousands on your honeymoon, so it can be a worthwhile investment.

Absolutely! Points can enable all sorts of vacations, from spring breaks in Disneyland to 10-year anniversary celebrations in Barcelona. Feel free to schedule a free 20-minute intro call anytime.

You should only pay an annual fee if the math works out in your favor. Here’s an example - one of my favorite cards has a $95 annual fee. It usually also has a 60k points sign-up bonus after you spend $5k. You’ll easily spend $5k on wedding expenses so those 60k points, which are worth at minimum $600, are guaranteed to be yours. Even after the annual fee, you’ll be $505 better off.

Here’s the kicker - if you know how to use those 60k points well, they are potentially worth thousands of dollars. At that rate, the annual fee is more than a worthy investment.

In the short term, applying for a new card decreases your credit score by a few points. In the long term, a larger credit line can actually build your credit score, if you always pay off your cards on time. You can read more about this here.

Disclaimer: The information provided is NOT financial advice. I am not a financial adviser, accountant or the like. This information is purely an expression of my thoughts and my opinions based on my personal experiences.

Yes, it’s terrible. No one should ever pay a 20-40% interest rate on anything.

You should only consider redeeming points for free trips if you’re able to pay off your credit cards on time and in full. Hopefully, you are able to pay off your wedding expenses without interest. If not, there are some interest-free cards that you can consider.

My credit card and points recommendations are based solely on personal experience and expertise. I have no affiliations, financial or otherwise, with any company. I may earn a referral bonus if a client chooses to apply for a card through my link.