A Reddit bride shares how she racked up 300,000 Chase points by charging her wedding and now she’s weighing whether to splurge or save.
Weddings and money go hand in hand, but one bride discovered a silver lining that most couples overlook: your wedding expenses can actually fund your honeymoon.
Posting on Reddit, a bride planning her 2026 winter/spring honeymoon shared that she and her fiancé had both signed up for Chase credit cards during a major sign-up bonus promo.
Between the two of them, and thanks to months of wedding charges, they built up around 300,000 Chase points.
That’s no small amount, when transferred to a hotel program like Hyatt, those points can cover multiple nights at luxury properties worldwide. It left the couple facing a big decision: stick with their original plan to splurge $5–7K on a honeymoon at Xcaret Arte, or cash in points and save thousands.
For a pair who are also new homeowners and thinking about starting a family soon, the savings were tempting. But the bride admitted one fear: if they didn’t choose Xcaret now, would they ever?
This is the kind of financial crossroad many couples face: do you go all-in on the once-in-a-lifetime honeymoon, or make the practical choice and let your future self thank you?
The Case for Credit Card Points (and the Warnings Too)
If you’re thinking of following in her footsteps, here’s the key takeaway: points only work if you’re disciplined. Travel experts warn that if you don’t pay your credit card bill off in full each month, the interest charges can cancel out the value of the rewards.
In other words, swiping your way through wedding planning is only a hack if you’re debt-free by the time the honeymoon rolls around.
Used wisely, though, it can be a game-changer. Real couples have documented honeymoons in Japan, Italy, and even California wine country funded almost entirely with credit card points.
For example, a recent Business Insider feature highlighted newlyweds who redeemed more than 200,000 points to cover their entire stay at luxury hotels.
Other blogs share strategies for maximizing wedding spend: from putting down deposits with travel cards to transferring points directly to airline and hotel partners for maximum value.
The Reddit bride’s situation shows the upside: charging major expenses like catering, rings, and photography meant she earned rewards on purchases she was already planning to make. But her story also highlights the catch, sometimes what you gain in financial perks comes with an emotional decision. Splurge on the dream? Or save for the future?
Making the Honeymoon Decision That Feels Right
Scrolling through the Reddit thread, the responses were split. Some urged her to take the Xcaret trip, it’s your honeymoon, after all, a moment you only get once. Others reminded her of the power of financial breathing room, especially with home ownership and kids on the horizon. In the end, it wasn’t about whether points or cash was “better”; it was about which choice felt true to her and her fiancé’s values.
And that’s the real lesson here: your honeymoon hack doesn’t have to look like anyone else’s. Maybe you’ll funnel all your wedding expenses into a sign-up bonus and score free flights. Maybe you’ll mix points with cash to upgrade just a few nights of your stay. Or maybe you’ll keep the points for later and invest the cash in that once-in-a-lifetime destination.
There’s no right answer, only the one that makes your marriage feel like it’s starting on the right foot.
So if you’re planning your wedding right now, take a page out of this bride’s book: open the right travel rewards card, charge responsibly, and dream strategically. Your honeymoon could be waiting in the fine print of your statement.
Want more tips on turning wedding stress into smart choices? At Wedded Wonderland, we’re here to share the hacks, inspo, and real stories that help couples around the world plan smarter. Join our complimentary Wedded Concierge service or explore our Wedded Partners Global Listing, and let’s get Wedded!
