Wedding Points & Cash‑Back ROI Planner

Wedding Budget Typical US wedding ~ $28k–$35k

Months until wedding

Venue & Catering ($)

Photography & Video ($)

Attire & Beauty ($)

Decor & Flowers ($)

Travel & Honeymoon ($)

Other ($)

Tip: If unsure, use rough estimates—this planner adjusts recommendations dynamically.

Strategy & Rewards Configure points, cash‑back, and savings

Points card spend (%)

70%

Points portion: 70%

Cash‑back portion: 30%

Redemption value (¢/point)

1.25¢

Baseline: 1.0¢; with strong issuers and partner transfers: 1.25–1.5¢

Sign‑up bonuses planned (cards)

Bonus per card (points)

Min spend/bonus ($)

Annual fee/card ($)

Cash‑back rate (%)

Negotiation savings (%)

Negotiable: Venue & Catering, Photography & Video, Decor & Flowers

Recommendation: 2 bonuses feasible

ROI Summary Based on your inputs

Total Planned Spend

Projected Net Gain

Rewards Value (Points)

Cash‑Back Value

Negotiation Savings

Card Fees

ROI: 0.0%

Redemption value assumed: 1.25¢ per point

Value Components Visualization of savings & costs

Bars: Negotiation, Cash‑Back, Points Value, Fees (negative)

Category	Spend	Points Earn Rate	Points Earned	Value ($)
Sign‑up Bonuses	Min spend: $0	Cards: 0	0 pts	$0

Component	Basis	Rate	Value ($)
Negotiation Savings	$0	0%	$0
Cash‑Back	$0	0%	$0
Card Fees	Cards × fee	n/a	$0

Recommendations & Next Steps Actionable guidance

Allocate high‑value categories (travel/honeymoon, catering) to the points card to maximize multipliers.
Time sign‑up bonuses in 3‑month windows aligned to deposits to avoid overspending.
Use negotiation scripts on venue, photo/video, and florals—ask about off‑peak dates, bundled packages, and service fee caps.

Get the member‑only negotiation templates and issuer pairing guide inside Wedding Secrets Insider Planning Hub.