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Why the Capital One Venture card is perfect for weddings and honeymoons

Feb. 12, 2021
7 min read
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Editor’s note: This post has been updated with new information.


When two of my college friends were getting married, they lamented that their wedding expenses were a lot to handle -- even before considering their honeymoon expenses. I asked what card they were using for these expenses, and was saddened to learn they were mostly using checks and a card that earned no rewards. TPG readers know that's just leaving money on the table.

TPG has plenty of useful resources for maximizing points and miles when planning your wedding and honeymoon. But if you want a straightforward card that doesn't have complicated bonus categories -- or you simply want to book your honeymoon travel using rewards from your wedding spending, but know that most of the charges won't post until close to your wedding day -- the Capital One Venture Rewards Credit Card may be the right choice for you.

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Capital One Venture Card overview

(Photo by Isabelle Raphael/The Points Guy)

Sign-up bonus: Earn 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening.

Earning rate: 2x miles per dollar spent on everything

Annual fee: $95

TPG CEO and founder Brian Kelly recently surprised many staffers and readers when he said if he had to choose just one card to have in his wallet, the Capital One Venture would be it. In explaining his decision, he said:

It allows me to earn rewards on any and every purchase, and the redemption process is super simple. I use my Venture miles to wipe out travel purchases such as Blade rides or hotel suites so that I’m paying zero dollars out of pocket.

Indeed, earning 2x miles per dollar spent on every purchase is appealing. And, as we'll discuss later in this guide, the Capital One Venture Rewards Credit Card offers various redemption options including the ability to redeem miles for travel and transfer miles to airline and hotel partners.

Cardholders also have access to a Global Entry or TSA PreCheck application fee credit (up to $100) every four years. You won't pay any foreign transaction fees and can add your soon-to-be-spouse as an authorized user without any additional fees. And, you'll have access to benefits such as extended warranty protection, auto rental collision damage waiver and travel accident insurance when you use your card.

Related: Capital One Venture Rewards Credit Card review

Earning miles on wedding expenses

(Photo by Photos by Lanty/Unsplash)

Once you open your Capital One Venture Rewards Credit Card, the clock starts ticking to earn the 75,000-mile sign-up bonus. To earn the bonus, you'll need to spend $3,000 on purchases within the first three months of account opening. If you're planning a wedding and honeymoon, this may be a relatively easy task -- but be sure to track your spending to ensure you reach the minimum spending goal on time.

Since the Capital One Venture Card earns 2x miles on all purchases, you can use it without worrying about how each purchase will code. If you are hosting your wedding or reception at a restaurant or hotel -- and know the changes will post as dining or lodging -- you may want to use a card for those expenses that earns more rewards for those specific categories. But, if you're going for straightforward, no-stress earning, then you may just want to put everything on your Capital One Venture card.

Related: Reasons to get the Capital One Venture Rewards card

Redeeming miles for your honeymoon

You likely want to plan and book your honeymoon well before your wedding day arrives. But, if you're looking to pay for your trip with credit card rewards earned on wedding expenses, you may have a problem. This is because you aren't given credit card rewards until after purchases post, and many wedding purchases won't post until long after you'll likely want to book your honeymoon.

You could delay your honeymoon, book a last-minute honeymoon trip, pay for the trip outright or use rewards you've accumulated through other spending, flights or stays. But a better option for many couples -- especially those that are new to points, miles and credit cards -- lies with the Capital One Venture Card.

This is because you can redeem miles earned by the Capital One Venture Card for 1 cent each to offset travel expenses that posted on the card within the last 90 days. This means you can make honeymoon arrangements on your card, accrue miles on wedding expenses with your card and then use those miles to offset your honeymoon expenses that posted to the card within the last 90 days.

Related: Here's how to redeem Capital One miles to offset travel expenses

You could offset at least part of your honeymoon using Capital One miles. (Photo of the Fiji Marriott Resort Momi Bay by JT Genter/The Points Guy)

There are other options for redeeming your Capital One miles though, and some can provide greater value. For example, you can also transfer your Capital One miles to select airline and hotel partners, and then redeem for flights or stays through these programs. Based on the value you can get redeeming in these partner programs, TPG's latest valuations peg the value of Capital One miles at 1.4 cents each.

This means you may not be maximizing your Capital One miles if you use them for 1 cent each to offset recent travel expenses. Other cards also may provide a greater return on dining, hotels and non-bonus purchases. But if you're just looking for a way to offset honeymoon expenses using rewards earned while paying for your wedding, the Capital One Venture Rewards Credit Card is one of the best ways to do so.

Related: To transfer or not to transfer: What to do with Capital One miles

Related guides

Additional reporting by Benét J. Wilson

Featured image by Getty Images
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

TPG featured card

Best Marriott card for Business Owners
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3 / 5
Go to review

Rewards

2 - 6X points
6X6x points at hotels participating in the Marriott Bonvoy® program.
4X4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2X2x points on all other eligible purchases.

Intro offer

Earn 100,000 points75,000 points
Limited Time Offer: Earn 100,000 Bonus Marriott Bonvoy Points after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer expires 11/2/22.

Annual Fee

$125

Recommended Credit

670-850
Excellent/Good
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

The Marriott Bonvoy Business Amex is a stacked card with a rewards rate that will help you earn bonus points on everyday and business-related purchases. You'll earn 15 elite night credits each calendar year, and receive automatic Gold elite status. Finally, the free night award certificate with a redemption level of 35,000 points or less can get you hundreds of dollars in potential value each year.

Pros

  • 6x points on eligible purchases at hotels participating in the Marriott Bonvoy program
  • 4x points at restaurants worldwide, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers and U.S. shipping
  • 2x points on all other eligible purchases
  • Earn a free-night award each card renewal month (up to 35,000 points)
  • Receive 15 elite night credits to jump-start status
  • Transfer Marriott points to 40+ airlines

Cons

  • Airline points transfer ratios are poor
  • Must spend $60,000 in a year for second free-night award
  • Limited Time Offer: Earn 100,000 Bonus Marriott Bonvoy Points after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer expires 11/2/22.
  • 6x points at hotels participating in the Marriott Bonvoy® program.
  • 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
  • 2x points on all other eligible purchases.
  • Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
  • Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
  • Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
  • Terms apply.
  • See Rates & Fees
Apply for Marriott Bonvoy Business® American Express® Card
at American Express's secure site
Terms & restrictions apply. See rates & fees
Best Marriott card for Business Owners
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3 / 5
Go to review

Rewards Rate

6X6x points at hotels participating in the Marriott Bonvoy® program.
4X4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2X2x points on all other eligible purchases.
  • Intro Offer
    Limited Time Offer: Earn 100,000 Bonus Marriott Bonvoy Points after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer expires 11/2/22.

    Earn 100,000 points
    75,000 points
  • Annual Fee

    $125
  • Recommended Credit
    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    670-850
    Excellent/Good

Why We Chose It

The Marriott Bonvoy Business Amex is a stacked card with a rewards rate that will help you earn bonus points on everyday and business-related purchases. You'll earn 15 elite night credits each calendar year, and receive automatic Gold elite status. Finally, the free night award certificate with a redemption level of 35,000 points or less can get you hundreds of dollars in potential value each year.

Pros

  • 6x points on eligible purchases at hotels participating in the Marriott Bonvoy program
  • 4x points at restaurants worldwide, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers and U.S. shipping
  • 2x points on all other eligible purchases
  • Earn a free-night award each card renewal month (up to 35,000 points)
  • Receive 15 elite night credits to jump-start status
  • Transfer Marriott points to 40+ airlines

Cons

  • Airline points transfer ratios are poor
  • Must spend $60,000 in a year for second free-night award
  • Limited Time Offer: Earn 100,000 Bonus Marriott Bonvoy Points after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer expires 11/2/22.
  • 6x points at hotels participating in the Marriott Bonvoy® program.
  • 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
  • 2x points on all other eligible purchases.
  • Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
  • Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
  • Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
  • Terms apply.
  • See Rates & Fees