Approximately 2.5 million weddings in 2022 in the US It is scheduled to take place. According to The Wedding Report's predictions, it will be her largest sum since 1984. Venues, caterers, musicians, photographers and more are in high demand, making already expensive events even more expensive. Good news? A good credit card can save you a lot of money.

If you need to carry a balance

Almost disappeared in 2020 due to high unemployment and uncertainty, 0% annual credit card promotion has been revived. If you have time to pay for your wedding expenses, signing up for one of these cards will spread your payments and save you hundreds or even thousands of dollars in interest.Longest 0% offer on most is not included with cards that offer cash back or travel rewards. This is fine if you consider improved cash flow and interest savings to be perks on their own terms.

One of the best offers on the market is the Wells Fargo Reflect® card. The card offers 0% of his APR on purchases and eligible balance transfers for up to 21 months from account opening. Cardholders must make all payments on time to extend the interest free promotion from the standard 18 months. Typical APR varies from 17.24% to 29.24%. To apply the introductory rate and low transfer fee (3% or $5, whichever is higher), you must complete the transfer of your balance within the first 120 days (5% or $5 after 120 days). whichever is higher).

One card that offers both rewards and a generous 0% period is the Capital One Quiksilver Cash Rewards Credit Card. We offer 1.5% cashback on every purchase and a 0% adoption rate for new purchases and balance transfers for 15 months. (Normal APR fluctuates between 16.49% and 26.49%, with a balance transfer fee of 3%).

If you are interested in a free honeymoon

Now let's move on to the fun stuff. For example, the Chase Sapphire Preferred® card offers her 80,000 points to new cardholders who spend her $4,000 in her first three months. These points are worth up to $1,000 (1.25 cents each) when you book your travel through Chase, and even more when you migrate to our extensive list of airline and hotel partners.

This is where it gets really exciting. You and your spouse can get this card in your own name. It's perfectly legal and you're eligible to double your referral bonuses, which is much better than sharing the same account. In fact, Chase will pay her a referral bonus of 15,000 points each time you refer a new her Sapphire Preferred cardholder (up to 5 referrals per year).

Cardholders receive $50 in Ultimate Rewards hotel credit per year. 3x points on travel and dining purchases with Chase Ultimate Rewards, 2x points on all other travel, and 1 point for every dollar spent on everything else. Many wedding expenses are items that are not included in the regular credit card bonus category. And everyone can spend a little more cash, right? So a 2% cashback card can be a great option. Options include the Citi® Double Cash Card (technically 1% on purchase, 1% on payment) and PayPal Cashback Mastercard®.

If your venue and catering costs qualify for meal purchases (check the merchant category code first), you should check one of the best credit cards for restaurants. I have. For example, the Capital One Savor Cash Rewards credit card offers 4% cash back on meals. If the new cardholder spends $3,000 in her first three months, they will get a $300 bonus.

One more tip

In many cases, when you book a block of rooms at a hotel, you get bonus points based on the guest's spending. I did that when I got married. I called two of her local chain hotels (Marriott and Sheraton) and blocked a series of rooms with group discount rates. I told my guests I was available and they made a reservation, paid the bill and earned free reward points.

Conclusion

Smart Card Strategies With One Of Today's Cards Using the best credit cards will buy you time to pay off your wedding expenses with no interest. , earn enough travel points for a free honeymoon or cash back in your wallet.

Have a question about your credit card? Email us at [email protected] We are happy to help.

All information regarding the Capital One Savor Cash Rewards credit card is collected independently by Bankrate and has not been vetted.