Travel Credit Card Pros and Cons

posted 1 year ago in Money
Post # 2
Member
2539 posts
Sugar bee
  • Wedding: September 2018

I have a southwest card that I pay off at least at the end of every month (but typically weekly) and I have been using that for bigger purchases (wedding related, but also groceries/gas, etc). 

I’m not sure if I will have enough for both our flights but I should have enough for one. I’ve been using this method for years and we fly free with southwest more often than not. 

Post # 3
Member
1732 posts
Bumble bee

My fiance got some chase travel card. The sapphire I think. You get a certain amount of points per dollar you spend, but more points if you spend it on travel related expenses. Then you can spend those points on anything, but if you spend it on travel, they count as 1.5 points. We’re having a destination wedding so a lot of our expenses were travel related and then we used those points towards our honeymoon. We got several nights at a luxury hotel and a flight within Europe with those points. It was really worth it. Also he got 50,000 for adding me onto the account so that helped a lot.

Post # 5
Member
1510 posts
Bumble bee
  • Wedding: August 2017

We have an Americans Express (but with our bank, so the points are a little different than the regular Amex). Definitely worth it for us! In a regular year of spending we rack up about $1000-$1200 worth of points that can be used for anything travel related! We used it for a bunch of wedding costs, and then used the points on our honeymoon. Because our spending for the wedding was a bit more than we’d normally spend, our $8000 honeymoon only cost us $5000! 

Post # 6
Member
152 posts
Blushing bee
  • Wedding: March 2018

I’ve been loving the Citi DoubleCash card. Its %1 back when you purchase something, and 1% back when you pay the credit card bill. I pay mine off each month so its 2% back on everything! Any vendor that accepts credit card I’ve used the Citi Doublecash card.

Post # 7
Member
388 posts
Helper bee
  • Wedding: August 2016

I have the Chase Sapphire Reserve (I recently upgraded from the Chase Sappphire Preferred) and so far I’ve managed to use the points for two round-trip tickets to Thailand and two round-trip tickets to Kauai. I got the Chase Sapphire Preferred card a little over a year ago. So ya, they are awesome cards.

Post # 8
Member
86 posts
Worker bee

I have a Southwest card that I’m using for all large wedding purchases. I only use the card when I already have the money fto pay for it in my bank account so I can pay it off immediately and not rack up interest. When you sign up for a Southwest card and spend $1000 within the first 3 months, they automatically give you 40,000 (or more) points. We are havign a small ceremony at a Sandals resort and my points are covering my flight. Feel free to PM me with any questions! I think they might possibly do referral bonuses for both people in case you have any friends who have one. 

Post # 9
Member
165 posts
Blushing bee

Another vote for Chase Sapphire Preferred/Reserve.  Husband got Preferred and upgraded to Reserve while we were paying for wedding expenses.  We got our flights to Europe and a free hotel night or two with the points.  I now have the Preferred and we put our monthly expenses on it/pay it off weekly and we’ve almost got enough points for free flights back to Europe again. 🙂

Post # 10
Member
7075 posts
Busy Beekeeper

trishthedish23 :  we did it! We got free flights for our honeymoon. It’s great so long as you are diligent in paying them off IN FULL every month. If you pay interest or are tempted to overspend stay far far away. 

Post # 13
Member
1940 posts
Buzzing bee
  • Wedding: September 2017 - Pearson Convention Centre

We did that when we were paying for our wedding we used our BMO MasterCard and for every $20 spent we got an airmile. That paid for our upgrades for our honeymoon 

Post # 14
Member
2617 posts
Sugar bee
  • Wedding: April 2017 - Valleybrook Country Club

trishthedish23 :  Just a tip, be sure to track all of your spendings and try to pay it off as soon as you can. When you pay for weddig stuff on a credit card, it is soooo easy to blow your budget without noticing and starting off a marriage with a ton of credit card debt could be pretty stressful. Just a little tip from a banker! 🙂

Post # 15
Member
684 posts
Busy bee

Keep in mind if you’re going to use credit cards for wedding vendors, make sure you read the fine print, because many charge a 3-5% fee (which is more than the rewards you’ll get!). I did this, and we were able to put 1 or 2 big expenses on CC (especially anything that comes from a storefront, like the dress, etc.) but we’ve been unpleasantly surprised to find that cash is more often than not the way to go. If you need these big purchases to get the signon fee, it might not be worht it! Just keep it in mind.

Leave a comment


Find Amazing Vendors