Welcome to the charming city of Boise, ID, where the stunning natural beauty of the Boise River and the Boise Foothills meet the vibrant urban lifestyle. Known for its thriving arts and culture scene, outdoor recreational opportunities, and friendly community, Boise offers a unique blend of city living and outdoor adventure. So whether you’re searching for the perfect apartment in downtown Boise or a cozy home for rent in the surrounding neighborhoods, you’ve come to the right place.
In this ApartmentGuide article, we’ll cut to the chase, breaking down the pros and cons of moving to Boise. Let’s get started and see what awaits in this gem of the Gem State.
Pros of living in Boise
1. Outdoor paradise
Boise is a haven for outdoor enthusiasts, with its proximity to the Boise River, the Boise Foothills, and the nearby Bogus Basin Mountain Recreation Area. Residents can enjoy a wide range of outdoor activities such as hiking, mountain biking, skiing, and whitewater rafting. The city’s extensive trail system and numerous parks also provide ample opportunities for nature lovers to explore and connect with the great outdoors.
2. Thriving arts and culture scene
Boise boasts a vibrant arts and culture scene, with numerous galleries, theaters, and performance spaces showcasing local talent and international acts. The city’s annual Treefort Music Fest attracts musicians and fans from around the country, while the Boise Art Museum and the Basque Block offer unique cultural experiences. Residents can also enjoy the historic Egyptian Theatre and the Boise Philharmonic, providing a diverse array of entertainment options.
3. Strong sense of community
Boise is known for its strong sense of community, with friendly and welcoming residents who take pride in their city. The downtown area is bustling with local businesses, farmers’ markets, and community events, fostering a tight-knit and supportive atmosphere. The city’s emphasis on sustainability and environmental stewardship also contributes to a shared commitment to preserving the natural beauty of the region.
4. Booming job market
Boise’s economy is thriving, with a growing job market and opportunities in various industries such as technology, healthcare, and education. The city’s low unemployment rate and business-friendly environment make it an attractive destination for professionals seeking career advancement and entrepreneurial endeavors. Additionally, the cost of living in Boise is relatively lower compared to other metropolitan areas, offering a favorable balance of career prospects and affordability.
5. Community-friendly amenities
Boise boasts a variety of inclusive amenities, including top-rated schools, welcoming neighborhoods, and an abundance of recreational activities suitable for all ages. The city’s dedication to providing quality education and accessible parks and playgrounds makes it an ideal place for residents to thrive and enjoy a high quality of life. From the Boise Zoo to the Discovery Center of Idaho, there are plenty of opportunities for educational and enriching experiences for everyone.
6. Access to healthcare
Boise boasts a robust healthcare system, featuring renowned medical facilities and a network of healthcare providers offering comprehensive services. Residents can access top-notch medical care, specialized treatment centers, and wellness programs, ensuring their well-being is well-supported. The city’s commitment to accessible healthcare services contributes to a thriving and resilient community.
7. Scenic beauty and outdoor recreation
Boise is surrounded by breathtaking natural landscapes, including the Boise River, the Boise National Forest, and the nearby Sawtooth Mountains. Residents can enjoy a wide range of outdoor activities such as hiking, fishing, camping, and wildlife viewing. The city’s commitment to preserving its natural surroundings and promoting sustainable practices ensures that residents can immerse themselves in the scenic beauty and recreational opportunities that Boise has to offer.
Cons of living in Boise
1. Limited public transportation options
Boise’s public transportation system is relatively limited, with fewer options for commuters who rely on buses or trains for their daily travel. With a transit score of 47, the city’s growing population and urban sprawl have posed challenges for developing a more robust public transit infrastructure, leading to increased traffic congestion and longer commute times for some residents.
2. Harsh winter weather conditions
Boise experiences harsh winter weather conditions, including heavy snowfall and freezing temperatures, which can pose challenges for residents who are not accustomed to such climate extremes. The need for snow removal and winter maintenance can also impact daily routines and outdoor activities, requiring additional preparation and adaptability during the colder months.
3. Limited diversity and cultural amenities
Boise has a relatively homogenous population, which may result in limited diversity and cultural amenities compared to larger metropolitan areas. While the city has made efforts to promote inclusivity and celebrate its multicultural heritage, some residents may find fewer options for international cuisine, cultural events, and diverse communities within the city.
4. Rapid population growth and urban development
Boise has experienced rapid population growth and urban development in recent years, leading to increased demand for housing, infrastructure, and public services. The city’s expanding urban footprint has raised concerns about preserving open spaces, managing traffic congestion, and maintaining the overall quality of life for residents amidst the ongoing development and expansion.
5. Limited job diversity and career opportunities
While Boise’s job market is growing, some residents may find limited job diversity and career opportunities in certain industries compared to larger metropolitan areas. The city’s economy is primarily driven by specific sectors, which may pose challenges for professionals seeking a wide range of employment options and career paths within their field of expertise.
6. Seasonal allergies and air quality concerns
Boise’s seasonal changes and pollen levels can contribute to allergies and air quality concerns for some residents, particularly during the spring and summer months. Individuals with respiratory sensitivities or environmental allergies may need to take precautions to manage their well-being during peak allergy seasons.
7. Limited access to higher education institutions
Boise has limited access to higher education institutions compared to larger cities. This may impact residents seeking diverse academic programs, research opportunities, and specialized learning environments. While the city has made efforts to expand educational resources, some individuals may find fewer options for pursuing advanced degrees or specific fields of study within Boise’s local higher education landscape.
Imagine living in a neighborhood where everything you need is just a short walk away. For renters in Phoenix, this isn’t just a dream, it’s a reality in several areas of the city. Rentals are fairly expensive, though, with the average one-bedroom apartment costing $1,240.
In this ApartmentGuide article, we’re taking you on a virtual tour of the most walkable neighborhoods in Phoenix. From the lively streets of Downtown to the charming avenues of Garfield, these neighborhoods offer a unique blend of convenience and charm. So, get ready to discover the pedestrian-friendly side of Arizona’s largest city.
All data sourced March 2024.
1. Downtown
Walk Score: 82
Downtown is the most walkable neighborhood in Phoenix, with a Walk Score of 82. Known for its bustling city life, residents and visitors alike can explore the area and take advantage of its walkable layout. Notable attractions include the Phoenix Art Museum, the Japanese Friendship Garden of Phoenix, Chase Field, and the Arizona Science Center.
Search for Downtown apartments for rent.
2. Garfield
Walk Score: 79
Garfield has a Walk Score of 79, making it the second most walkable neighborhood in Phoenix. There’s a lot to love about the area, from its historic homes to its colorful murals. While you’re walking around the neighborhood, check out Welcome Diner for a bite to eat.
See Garfield apartments for rent.
3. Eastlake Park
Walk Score: 76
Eastlake Park is the third most walkable neighborhood in the city. There are numerous walkable areas and attractions throughout Eastlake Park, like the neighborhood’s namesake park and the Phoenix Trolley Museum. And if you’re in the mood for an adventure, you’re not far from the giant Phoenix Mountains Preserve.
Find Eastlake Park apartments for rent.
4. Coronado
Walk Score: 73
Coronado has plenty of amenities a resident might need within walking distance. From the Cartel Roasting Co to Coronado Park, you’re sure to find something to love. A notable amenity is the Oak Street Murals, which is a great spot for locals and visitors alike.
Browse Coronado apartments for rent.
5. Valencia Acres
Walk Score: 71
As the fifth most walkable neighborhood in the city, Valencia Acres is known for its quiet streets. Consider exploring the nearby South Mountain Park or getting a bite to eat at Los Dos Molinos with friends. There are plenty of other amenities in this charming community as well, like Phoenix Park and Los Olivos Public Park Place Plaza.
Discover Valencia Acres apartments for rent.
6. Governmental Mall
Walk Score: 71
Governmental Mall has a Walk Score of 71, making it the sixth most walkable neighborhood in Phoenix. Known for its proximity to the Arizona State Capitol, residents and visitors can choose from walkable amenities such as the Arizona Capitol Museum and the Wesley Bolin Memorial Plaza. While you’re out, check out the Arizona Latino Arts and Cultural Center.
Look for Governmental Mall apartments for rent.
7. Westland Homesites
Walk Score: 69
Westland Homesites is the seventh most walkable neighborhood in Phoenix. This peaceful community has quite a few hotspots for residents to visit on foot, including Westdale Center and Tortas Paquime. While you’re walking, take a moment to enjoy the sunny Arizona weather.
Search for Westland Homesites apartments for rent.
8. North Central Heights
Walk Score: 69
North Central Heights has a Walk Score of 69, making it the eighth most walkable neighborhood in the city. There’s a lot to love about the area, from grabbing a bite to eat at nearby Ocotillo Restaurant, to taking a walk along the Arizona Canal Trail. If you’re up for a longer outing, nearby Camelback Mountain is popular among locals.
Find North Central Heights apartments for rent.
9. Booker T. Washington
Walk Score: 69
The ninth most walkable neighborhood in Phoenix is Booker T. Washington. Pedestrians can enjoy the variety of local businesses, like Blok Photo Studio and Superstition Downtown. It’s also easy to walk over to Margaret T. Hance Park for a great day out.
Peruse Booker T. Washington apartments for rent.
10. Willo
Walk Score: 68
Willo is the tenth most walkable neighborhood in the city. Local attractions here include the Heard Museum, Encanto Park, the Enchanted Island Amusement Park, and the Phoenix Theatre, providing residents places to get together and enjoy their community.
Discover Willo apartments for rent.
Check out more walkable cities in Arizona.
Methodology: Walk Score, a Redfin company, helps people find walkable, bikeable, and transit-friendly places to live, rating areas on a scale from 0-100. To calculate a Walk Score for a given point, Walk Score analyzes thousands of walking routes to nearby amenities, population density, and metrics such as block length and intersection density. Points are awarded based on the distance to amenities in each category.
Chicago has two major commercial airports: Chicago-O’Hare and Chicago-Midway. The former serves as a major hub for American Airlines and United Airlines, while Southwest Airlines has a large presence at Chicago-Midway.
With plenty of flyers traveling through the city on a daily basis, there are a number of airport lounges available to those who want a quiet space to relax before their flight.
Find out which airport lounges are available to travelers at Chicago-O’Hare, plus the latest information about a new, first-ever airport lounge at Chicago-Midway.
About Chicago’s airport lounges
Chicago-O’Hare
Depending on how you access a lounge and with which airline you’re flying, there are several lounges at Chicago-O’Hare worth exploring. The airport has lounges in Terminals 1, 2, 3 and 5.
Your best bet to get into a lounge here will be if you’re flying with United or American or if you hold elite status in one of these airlines’ loyalty programs. A small number of international airlines also have lounges in Terminal 5.
You may get access to lounges depending on your elite status level with an airline, even if traveling in economy class.
Chicago-Midway
Chicago-Midway doesn’t currently have any lounge options, but it will be opening its first-ever lounge in late 2024. Called “The Club MDW,” it will part of the network of lounges dubbed “The Club” be accessible to Priority Pass members.
If you want to purchase Priority Pass membership, an annual pass for unlimited lounge visits costs $469. Cheaper memberships are available but only allow a limited number of visits per year.
Chicago-O’Hare Terminal 1: United Clubs and Polaris Lounge
Terminal 1 is primarily used by United Airlines and select partners. It has four lounges for passengers traveling on United and partner carriers. Here are the lounges available at Chicago-O’Hare Terminal 1.
United Club
Three locations: near gate B6 (Concourse B), gate B18 (Concourse B) and gate C10 (Concourse C).
Open from 5 a.m. to 9 p.m. daily.
Must present a boarding pass to enter.
Open to United Club members, one-time pass holders, United and Star Alliance premium cabin passengers and eligible elite status holders (including Star Alliance Gold) on eligible international flights. Virgin Australia Velocity Gold, Platinum and VIP members plus Air Canada Maple Leaf Lounge members, all of whom must be traveling from Chicago-O’Hare on United, can also visit United Club locations. Access is also available to certain United credit cardholders.
United Clubs offer hot and cold buffet meals and drinks from an open bar. Work stations, free Wi-Fi, seats with power outlets and Illy coffee machines come standard.
Polaris Lounge
Located near gate C18 (Concourse C).
Open from 6 a.m. to 9 p.m. daily.
Must present a boarding pass to enter.
Open to United Polaris and Star Alliance premium cabin passengers as well as eligible elite status holders (including Star Alliance Gold flyers on non-United flights) on international flights. Star Alliance Gold members who are traveling domestically on United cannot use the Polaris Lounge, but may access the United Club instead.
Polaris Lounges have a more substantial buffet of hot and cold food items, an a la carte menu in a sit-down restaurant, an upgraded bar with complimentary drink selections, lounge areas, showers and nap rooms.
🤓Nerdy Tip
United Club members can bring a spouse and child under 21 or up to two guests. The United Club℠ Infinite Card comes with lounge membership that can be used when flying United or a Star Alliance partner.
Chicago-O’Hare Terminal 2: United Club
Terminal 2 is used by United Airlines as well as a handful of other airlines like Alaska Airlines and JetBlue Airways. Here is information on the sole lounge at Chicago-O’Hare’s Terminal 2:
United Club
Located near gate F9 (Concourse F).
Open from 5 a.m. to 9 p.m. daily.
Must present a boarding pass to enter.
Open to United Club members, one-time pass holders, Star Alliance premium cabin passengers and eligible elite status holders (including Star Alliance Gold) on eligible international flights. Virgin Australia Velocity Gold, Platinum and VIP members plus Air Canada Maple Leaf Lounge members, all of whom must be traveling from Chicago-O’Hare on United, can visit United Club locations.
United Clubs offer hot and cold buffet meals and drinks from an open bar. Work stations, free Wi-Fi, seats with power outlets and Illy coffee machines come standard.
Cards with United Club access
United℠ Explorer Card
on Chase’s website
United Club℠ Infinite Card
on Chase’s website
United℠ Business Card
on Chase’s website
United Club℠ Business Card
Details
Annual fee:$0 intro for the first year, then $95):
Lounge access: Two one-time United Club passes after account opening and each year for your cardmember anniversary.
Annual fee:$525.
Lounge access: Primary cardholders get a United Club membership.
Annual fee:$99.
Lounge access: Two one-time United Club passes after account opening and each year for your cardmember anniversary.
Annual fee:$450.
Lounge access: Primary cardholders get a United Club membership.
Still not sure?
Chicago-O’Hare Terminal 3: American Admirals Clubs and Flagship Lounge
Terminal 3 is primarily used by American Airlines and some of its partner carriers. Here are the details for the lounges located at Chicago-O’Hare Terminal 3.
American Airlines Admirals Club
Three locations: near gate G8 (Concourse G), between gates H6 and K6 (Concourse H/K) and near gate L1 (Concourse L).
Open daily from 6:15 a.m. to 7:15 p.m. (Concourse H/K lounge is open from 5 a.m. to 9 p.m.)
Must present a boarding pass to enter.
American’s Admirals Clubs offer buffet snacks and an open bar. Some include pop-up stations with avocado toast in the morning and made-to-order guacamole in the evening.
Work stations, seats with power outlets and lounge areas are also available. If you’d like to take advantage of the Club’s shower facilities, you’ll need to head to the location between the H and K Concourses.
American Airlines Flagship Lounge
Located between gates H6 and K6 (Concourse H/K).
Open daily from 5 a.m. to 9 p.m.
Must present an eligible boarding pass to enter.
Open to ConciergeKey travelers, eligible AAdvantage and Oneworld elite status members on international flights and premium cabin passengers on eligible international, premium transcontinental and long-haul Hawaiian island flights. One-day passholders can also enter for $150 per person or 15,000 AAdvantage miles. Also eligible to enter are Alaska Airlines MVP Gold and MVP Gold 75K members on eligible flights.
American’s Flagship Lounges are a step up from the Admirals Club and have expansive buffets with hot and cold items, self-service bars, a range of snacks, work stations, showers, seats with power outlets and premium Champagne and wine.
Chicago-O’Hare Terminal 5: Delta Sky Club and international airline lounges
Since Delta moved its operations to Terminal 5, it joins a few other domestic carriers as well as most other international airlines operating from Chicago-O’Hare.
🤓Nerdy Tip
It’s not easy for travelers departing from Terminals 1, 2 or 3 to access these lounges since they must leave the secure area, take a train and re-clear security. If you’re connecting through O’Hare with a flight leaving from Terminal 5, a free shuttle within security is available after showing an eligible boarding pass.
That said, these four Chicago-O’Hare airport lounges are best suited for passengers departing from Terminal 5.
Delta Sky Club
Located between gates M11 and M14 (Concourse M).
Open from 4:30 a.m. to 7 p.m. every day except Saturday when hours are 4:30 a.m. to 6 p.m.
Must present a boarding pass to enter.
Open to Delta Sky Club members, Delta One passengers, premium cabin passengers traveling internationally on a SkyTeam flight and Medallion members (except Silver) flying internationally in a premium cabin. Non-Delta members with SkyTeam Elite Plus status traveling on an international itinerary also receive access, as do those who hold The Platinum Card® from American Express, Delta SkyMiles® Reserve American Express Card, Delta SkyMiles® Reserve Business American Express Card or select Centurion cards from American Express. Travelers may only access the lounge up to three hours prior to their flight. Anyone holding a basic economy ticket will not receive access. Terms apply.
The Sky Club offers a buffet of hot and cold food items, an open bar (including a dedicated wine bar), work stations with power outlets, an interesting collection of artwork and plentiful seating overlooking the Delta gates.
Cards with Delta SkyClub access
Delta SkyMiles® Reserve American Express Card
Delta SkyMiles® Reserve Business American Express Card
The Platinum Card® from American Express
The Business Platinum Card® from American Express
Annual fee
Still not sure?
British Airways Lounge
Located between gates M11 and M12 (Concourse M).
Open from 12:30 p.m. to 9 p.m.
Must present a boarding pass to enter.
This lounge is open to premium cabin and eligible Oneworld elite status members on international British Airways or Oneworld flights.
In the lounge, a range of self-service snacks and an open bar are available, although there is limited seating given its small size.
SAS Lounge
Located near gates M19 and M20 (Concourse M).
Opening hours vary based on flight schedule.
Must present a boarding pass to enter.
This lounge is accessible to SAS passengers and eligible elite status passengers on other Star Alliance flights from the terminal.
While compact, the lounge has a decent spread of snacks, self-pour refreshments including alcohol and work stations with power outlets.
Swissport Lounge
Located near gate M13 (Concourse M).
Open from 7 a.m. to 12:30 a.m (7 a.m. to 9 p.m. for Priority Pass members).
Must present a boarding pass to enter.
This lounge is available to Priority Pass members and eligible customers with access via their airline. If you have access to the American Express Global Lounge Collection, you also have Priority Pass membership, giving access to this lounge.
The lounge offers visitors a buffet of snacks, an open bar and seating although power outlets can be hard to find. This is not one of the most attractive lounges at the airport, but it is the only Priority Pass option.
Chicago-Midway: The Club at MDW
Opening in late 2024, this new Priority Pass-accessible lounge will be available near the Central Market between Concourses A and B.
This will become the first Chicago-Midway airport lounge.
10 complimentary Priority Pass lounge visits per year. Enrollment required.
Terms apply.
Eight free Priority Pass lounge visits per year.
Learn more
For Midway passengers without a qualifying card or Prioriy Pass membership, a day pass can also be purchased for those with a boarding pass for $50.
Chicago airport lounges recapped
Chicago-O’Hare has several lounge options across United, American, Delta and international airlines. Chicago-Midway, meanwhile, will be opening an airline-agnostic lounge for Priority Pass members in late 2024.
As it currently stands, travelers need to rely on their airline ticket, elite status or lounge membership to give them access to a Chicago airport lounge.
The information related to United Club℠ Business Card has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card.
How to maximize your rewards
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Renters are drawn to Texas cities for their diverse neighborhoods, thriving job markets, and cultural experiences that range from live music to the Space Center. This ApartmentGuide article dives into the essence of living in Texas’ most prominent cities, where the energy of Houston’s sprawling metropolis meets the innovative and eclectic spirit of Austin. Here are the major cities in Texas to consider moving to.
1. Houston, Texas
Population: 2,304,580 Average rent for a one-bedroom apartment: $1,256 Average rent for a two-bedroom apartment: $1,574 Houston, TX apartments for rent Houston, TX homes for sale
Living in Houston offers a mix of cultural activities, from its renowned food scene to the Space Center. The city’s diverse neighborhoods offer something for everyone, with plenty of green spaces and a bustling downtown area. Houston’s economy is robust, with a strong presence in the energy sector, making it an attractive place for career opportunities.
2. San Antonio, Texas
Population: 1,434,625 Average rent for a one-bedroom apartment: $1,081 Average rent for a two-bedroom apartment: $1,357 San Antonio, TX apartments for rent San Antonio, TX homes for sale
San Antonio is known for its history, exemplified by the Alamo and the colorful River Walk. The city blends cultural heritage with modern attractions, offering residents and visitors a unique experience. Its friendly atmosphere and strong community spirit make it a welcoming place to call home.
3. Dallas, Texas
Population: 1,304,379 Average rent for a one-bedroom apartment: $1,389 Average rent for a two-bedroom apartment: $1,924 Dallas, TX apartments for rent Dallas, TX homes for sale
Dallas is a dynamic city that offers a mix of modern urban living and traditional Southern charm. The city is a major hub for art, culture, and commerce, with a thriving job market. The metro area is home to over 40 colleges and universities, including UT Dallas and Southern Methodist University. Dallas’s diverse neighborhoods and excellent educational institutions make it an ideal place for renters.
4. Austin, Texas
Population: 961,855 Average rent for a one-bedroom apartment: $1,434 Average rent for a two-bedroom apartment: $1,763 Austin, TX apartments for rent Austin, TX homes for sale
Austin is celebrated for its live music scene, outdoor activities, and vibrant nightlife. Known as the “Live Music Capital of the World,” it hosts numerous festivals and events. The University of Texas at Austin’s 50,000 students add to the youthful energy here. The city’s tech industry boom has attracted a diverse population, making it a melting pot of culture and innovation.
5. Fort Worth, Texas
Population: 918,915 Average rent for a one-bedroom apartment: $1,395 Average rent for a two-bedroom apartment: $1,724 Fort Worth, TX apartments for rent Fort Worth, TX homes for sale
Fort Worth offers a unique blend of Texas heritage and modern city life. Known for its rodeos, cattle industry, and rich arts scene, it provides a distinct cultural experience. A number of large corporations such as American Airlines and AT&T have a major presence. The city’s growth in business and education makes it an attractive place for new residents.
6. El Paso, Texas
Population: 678,815 Average rent for a one-bedroom apartment: $906 Average rent for a two-bedroom apartment: $1,195 El Paso, TX apartments for rent El Paso, TX homes for sale
El Paso stands out for its beautiful desert landscapes and rich cultural heritage. The city offers a relaxed living environment with a low cost of living. El Paso celebrates its history and culture with annual events such as Viva! El Paso and the Amigo Airsho. Its strong sense of community and cross-border culture with Mexico create a unique blend of traditions and cuisines.
7. Arlington, Texas
Population: 394,266 Average rent for a one-bedroom apartment: $1,145 Average rent for a two-bedroom apartment: $1,505 Arlington, TX apartments for rent Arlington, TX homes for sale
Arlington is a hub for sports and entertainment. Residents enjoy visiting Six Flags Over Texas and seeing the Texas Rangers play at Globe Life Field. The city’s thriving economy and excellent schools make it a great place for renters. Arlington’s central location provides easy access to the larger DFW metroplex.
8. Corpus Christi, Texas
Population: 317,863 Average rent for a one-bedroom apartment: $1,070 Average rent for a two-bedroom apartment: $1,210 Corpus Christi, TX apartments for rent Corpus Christi, TX homes for sale
Corpus Christi is known for its beautiful Gulf Coast beaches, making it a paradise for water enthusiasts. It also has a strong marine presence at the Naval Air Station Corpus Christi. The city offers a relaxed lifestyle with a strong coastal culture. Its affordable living and scenic beauty make it an attractive place for residents.
9. Plano, Texas
Population: 285,494 Average rent for a one-bedroom apartment: $1,581 Average rent for a two-bedroom apartment: $2,079 Plano, TX apartments for rent Plano, TX homes for sale
Plano is a thriving city known for its excellent schools, high-quality living, and lively community. The city boasts a strong job market, particularly in technology and finance – two of the top employers are JPMorgan Chase and Capital One. Numerous corporations are headquartered here, including Toyota North America, Frito-Lay, and JCPenny. Plano’s parks, recreational facilities, and shopping centers offer a high quality of life for its residents.
10. Laredo, Texas
Population: 255,205 Average rent for a one-bedroom apartment: $1,173 Average rent for a two-bedroom apartment: $1,422 Laredo, TX apartments for rent Laredo, TX homes for sale
Laredo’s unique position as a border city offers a cultural exchange and vivacious community life. Laredo’s festivals and community events celebrate its diverse heritage and tight-knit community. Washington’s Birthday Celebration is a highlight each January honoring the founding father and featuring balls, parades, pageants, and the Jalepeno festival. The city’s economy is bolstered by trade, making it a key player in international business.
Methodology : The population data was retrieved from the United States Census Bureau for 2021, while the average rental data was sourced from Rent.com in March 2024.
Welcome to the vibrant city of Oklahoma City, where the spirit of the Wild West meets modern urban living. With its rich cowboy culture, thriving arts scene, and friendly community, Oklahoma City offers a unique blend of tradition and progress. From the bustling Bricktown entertainment district to the serene Myriad Botanical Gardens, there’s something for everyone in this diverse city. So whether you’re searching for a spacious home for rent in the historic neighborhoods or a trendy apartment in downtown, you’ve come to the right place.
In this ApartmentGuide article, we’ll cut to the chase, breaking down the pros and cons of moving to Oklahoma City. Let’s get started and see what awaits in the heart of the Sooner State.
Pros of living in Oklahoma City
1. Affordable cost of living
Oklahoma City offers a significantly lower cost of living compared to many other major cities in the United States. The average rent for apartments in Oklahoma City, is between $775 and $1,092 in 2024. Residents can enjoy affordable housing options, lower utility costs, and reasonable prices for everyday goods and services. This makes it an attractive option for individuals and families looking to stretch their budget without sacrificing quality of life.
2. Thriving arts and culture scene
Oklahoma City boasts a vibrant arts and culture scene, with numerous museums, galleries, and performance venues to explore. The Oklahoma City Museum of Art, the National Cowboy & Western Heritage Museum, and the Paseo Arts District are just a few of the many cultural attractions that residents can enjoy. From visual arts to live music and theater, there’s no shortage of creative expression to experience in this city.
3. Outdoor recreation opportunities
With its abundance of parks, lakes, and outdoor spaces, Oklahoma City offers plenty of opportunities for residents to enjoy nature. The city’s extensive network of hiking and biking trails, along with its beautiful botanical gardens and urban parks, provide a welcome respite from the hustle and bustle of city life. Whether it’s fishing, boating, or simply taking a leisurely stroll, outdoor enthusiasts will find plenty to love about Oklahoma City.
4. Strong job market
Oklahoma City’s economy is diverse and robust, offering a range of employment opportunities across various industries. The city is home to thriving sectors such as energy, aerospace, healthcare, and technology, providing job seekers with a wealth of options. Additionally, the relatively low unemployment rate and favorable business climate make Oklahoma City an appealing destination for those looking to advance their careers.
5. Friendly and welcoming community
Oklahoma City is known for its friendly and welcoming community, where residents take pride in their city and look out for one another. Whether it’s through local events, volunteer opportunities, or neighborhood gatherings, there’s a strong sense of camaraderie and support among the city’s diverse population. This creates a warm and inclusive environment for newcomers and long-time residents alike.
6. Delicious and diverse food scene
Oklahoma City offers a diverse culinary landscape, with a wide range of dining options to satisfy every palate. From classic barbecue joints and food trucks to upscale restaurants and international cuisine, the city’s food scene is a melting pot of flavors and influences. Whether residents are craving comfort food or seeking out new culinary adventures, they’ll find no shortage of delicious dining experiences in Oklahoma City.
Cons of living in Oklahoma City
1. Extreme weather conditions
Oklahoma City experiences a wide range of weather extremes, including hot summers, cold winters, and the occasional severe weather event. Residents must be prepared for temperature fluctuations, thunderstorms, and the possibility of tornadoes, which can impact daily routines and require extra precautions.
2. Limited public transportation options
With a transit score of 17, Oklahoma City’s public transportation system is relatively limited, with fewer options for commuters who prefer to rely on buses, trains, or other forms of transit. This can pose challenges for individuals who don’t drive, potentially leading to longer commute times and logistical hurdles.
3. Distance from major urban centers
While Oklahoma City offers its own unique attractions and amenities, it is situated at a considerable distance from other major urban centers. This can make it less convenient for residents who desire easy access to a wider range of cultural events, international travel options, or specialized services that may be more readily available in larger cities.
4. Limited nightlife and entertainment options
For those seeking a bustling nightlife and a wide array of entertainment options, Oklahoma City may not offer the same level of variety and excitement as larger cities. While there are certainly local venues and events to enjoy, the overall nightlife scene and entertainment choices may be more limited.
5. Limited diversity in some areas
While Oklahoma City is a diverse and inclusive community, some neighborhoods may have limited diversity in terms of cultural representation and ethnic cuisine options. Residents seeking a wide range of cultural experiences and international influences may find that certain areas of the city have a more homogenous cultural landscape.
6. traffic congestion and infrastructure challenges
Oklahoma City experiences traffic congestion during peak hours, and ongoing infrastructure projects may lead to temporary disruptions and detours. Residents should be prepared for potential delays and plan their travel routes accordingly, especially during times of heavy construction and road maintenance.
Is Oklahoma City the right move for you? Final thoughts
Moving to Oklahoma City offers both pros and cons. On the positive side, the city boasts a low cost of living, a strong job market, and a vibrant cultural scene. Residents can also enjoy the city’s beautiful parks and outdoor recreational activities. However, the city does have its drawbacks, including extreme weather conditions and limited public transportation options. Overall, Oklahoma City provides a mix of opportunities and challenges for those considering a move to the area.
Welcome to the vibrant city of Sacramento, where the sun shines bright, and the river flows gracefully. With its rich history, diverse culture, and thriving arts scene, Sacramento offers a unique charm that captivates residents and visitors alike. So whether you’re searching for the perfect apartment in Sacramento or a cozy home for rent in the suburbs, you’ve come to the right place.
In this ApartmentGuide article, we’ll cut to the chase, breaking down the pros and cons of moving to Sacramento. Let’s get started and see what awaits in the city of trees and rivers.
Pros of living in Sacramento
1. Rich history and culture
Sacramento boasts a rich history and vibrant culture, offering residents a deep connection to the state’s past. From the California State Railroad Museum to the Crocker Art Museum, there are numerous opportunities to explore the city’s historical and artistic heritage. The Old Sacramento Waterfront district also provides a glimpse into the city’s Gold Rush era, with its well-preserved buildings and cobblestone streets, making it a unique and charming area to visit and live in.
2. Outdoor recreational opportunities
With its proximity to the Sierra Nevada mountains and the Sacramento and American Rivers, Sacramento provides ample opportunities for outdoor recreation. Residents can enjoy hiking, biking, and water activities, as well as picnicking and wildlife viewing in the numerous parks and nature reserves in and around the city. The American River Parkway, in particular, offers 32 miles of scenic trails for outdoor enthusiasts to explore and enjoy.
3. Thriving farm-to-fork dining scene
Sacramento is renowned for its farm-to-fork dining scene, with a plethora of restaurants and eateries sourcing their ingredients locally. The city’s farmers’ markets and food festivals celebrate the region’s agricultural abundance, offering residents access to fresh, seasonal produce and locally-sourced meats and dairy. From fine dining establishments to casual cafes, Sacramento’s culinary landscape reflects its commitment to sustainable, locally-grown food.
4. Affordable cost of living
Compared to other major cities in California, Sacramento offers a more affordable cost of living, making it an attractive option for those seeking a balance between urban amenities and financial stability. The average rent for apartments in Sacramento, is between $1,700 and $2,087 in 2024. Housing costs, in particular, are relatively lower, allowing residents to enjoy a comfortable lifestyle without the exorbitant expenses often associated with larger metropolitan areas.
5. Diverse neighborhoods and communities
Sacramento is home to a diverse array of neighborhoods and communities, each with its own unique character and charm. From the historic homes of Midtown to the friendly suburbs of Natomas, residents have a wide range of options to choose from, catering to different lifestyles and preferences. The city’s cultural diversity is also reflected in its neighborhoods, offering a rich tapestry of experiences and traditions.
Cons of living in Sacramento
1. Hot summers and limited rainfall
Sacramento experiences hot, dry summers with temperatures often exceeding 90 degrees Fahrenheit, making it challenging for residents who are sensitive to heat. Additionally, the region’s limited rainfall can lead to drought conditions, impacting water resources and contributing to the risk of wildfires during the summer months.
2. Traffic congestion and limited public transportation
Despite efforts to improve public transportation, Sacramento still faces challenges with traffic congestion and limited transit options, especially in the suburbs. With a transit score of 34, commuters may experience delays and long travel times, particularly during peak hours, impacting their daily routines.
3. Air quality and pollution
Sacramento struggles with air quality issues, particularly during the summer months when high temperatures and stagnant air can lead to increased pollution levels. Residents may find it challenging to cope with poor air quality, necessitating precautions and limitations on outdoor activities during certain times of the year.
4. Limited job opportunities in certain industries
While Sacramento offers a diverse economy, certain industries may have limited job opportunities compared to larger metropolitan areas. Residents seeking employment in specialized fields may find it challenging to secure positions that align with their career goals, requiring them to explore opportunities in neighboring cities or consider remote work options.
5. Education system challenges
Sacramento’s public education system faces challenges related to funding and resources, impacting the quality of education in some areas. Individuals may need to carefully consider their options and research schools to ensure they find the best educational fit.
Is Sacramento the right move for you?
Sacramento offers a vibrant urban environment with a rich cultural scene, diverse dining options, and plenty of job opportunities. The city also boasts a lower cost of living compared to other major cities in California. However, traffic congestion and air pollution are common drawbacks, and the hot summer temperatures can be a challenge for some residents. Overall, Sacramento presents a mix of advantages and disadvantages for those considering a move to the city.
Florida is a popular destination for beaches, theme parks, rocket launches and more. However, one of the more underrated destinations in this state is Fort Walton Beach. Let’s take a look at how to get there, the best things to do in Fort Walton Beach and where to stay once you arrive.
The best things to do in Fort Walton Beach
Fort Walton Beach offers many things to do for every type of traveler. Whether you’re visiting as a family, with friends or on a couple’s getaway, you’ll find plenty of attractions, cultural experiences and outdoor adventures to fit your budget.
1. Paddleboard along the coast
Fort Walton Beach offers calm, clear waters in its bays, which is perfect for stand-up paddleboarding (SUP). This activity is one the best things to do in Fort Walton Beach whether you’re an expert or a beginner.
Some of the locals’ favorite spots include Norriego Point, Okaloosa Island Beach and Gulf Islands National Seashore. If you don’t have your own equipment, local businesses rent boards to visitors wanting to enjoy the sun and water.
2. Visit the Air Force Armament Museum
For the AV geek or military buff in your family, the Air Force Armament Museum is a must. This military museum features over 29 different aircraft ranging in age from the War II-era to present day. Inside, you’ll also find exhibits featuring hundreds of pieces of armament, including bombs and missiles.
It’s a good option for budget-conscious travelers because admission is free. It’s open every day from 9:30 a.m. to 5 p.m., including most federal holidays.
3. Learn local history at Fort Walton Beach Heritage Park and Cultural Center
The Fort Walton Beach Heritage Park and Cultural Center is the place to be for visitors wanting to learn about local history. This museum showcases the area’s history from 12,000 B.C. through the 1950s.
The park includes numerous attractions, such as Indian Temple Mound Museum, Camp Walton Schoolhouse Museum, Garnier Post Office Museum, Fort Walton Temple Mound and the Civil War Exhibit Building.
Purchase your admission inside the Indian Temple Mound Museum for $5 per person. One ticket includes admission to all of the attractions listed above. The museums open at 10 a.m. and close by 3 p.m. (or earlier). It is closed on Sundays, Mondays and all major holidays.
4. Step into the Norriego Point tide pools
The Norriego Point tide pools offer a shallow water experience for visitors of all ages. The tide pools are cordoned off from open waters to provide a safe space for small children and inexperienced swimmers.
In the tide pools, you’ll discover numerous types of fish, hermit crabs and more. Learn about the local sea life up close. These also offer a unique vantage point to watch the boats coming into the harbor.
There is no cost to visit the Norriego Point tide pools. However, parking is limited, so consider parking at nearby O’steen Beach or on the local streets.
5. Feed an alligator at Gator Beach
Another activity at Fort Walton Beach is seeing the alligators at Gator Beach. There is no admission fee, and its considered the largest alligator park on the Emerald Coast.
This attraction features hundreds of alligators; for a small fee, visitors can feed the gators. If you’re brave enough, you can even take a picture while holding a live alligator. There are also multiple shows and tours throughout the day to learn about this local species.
6. Experiment at the Emerald Coast Science Center
The Emerald Coast Science Center in Fort Walton Beach is one of many attractions for families with young children.
This interactive, hands-on museum features numerous exhibits for guests, including dinosaur fossils, robotics, chemistry demonstrations and a handful of outdoor exhibits. Plus, there are additional areas with live birds, mammals and reptiles to round out your science adventure.
The museum is open Wednesday through Saturday from 10 a.m. to 3 p.m. Admission is $12 per person, and children two and under are free.
7. Camp at Henderson Beach State Park
While many travelers prefer a nice hotel, others are looking for a more rustic experience. Camping at Henderson Beach State Park allows visitors to immerse themselves in the outdoors and enjoy 30-foot sand dunes and warm Gulf Coast waters.
The state park offers 60 campsites, fishing opportunities and a nature trail. It’s adjacent to the beach, and campers can access the water using the boardwalk.
Visitors can make reservations up to 10 months in advance (11 months for Florida residents). Campsite prices range from $16 to $42 per night and cabins are $30 to $160 a night. Florida State Parks also charges a nonrefundable fee of $6.70 per reservation. You can book your stay online or over the phone at 800-326-3521.
8. Become a mermaid at Reefs & Wrecks Remembered
If you or your child has ever dreamed of becoming a mermaid, this dream can become reality at Reefs and Wrecks. This PADI-certified company offers three different types of mermaid experiences for different levels of swimmers.
The entry level course is the Discover Mermaid experience in a shallow pool. For experienced divers, the Advanced Mermaid course includes two sessions in open water where you can test out your mermaid skills. Prices start at $145 and go up to $450, depending on the course selected.
9. Go fishing at The Island Pier
Throw out a line or just enjoy the views from The Island Pier. This pier stretches 1,262 into the Gulf of Mexico, so it offers unparalleled views of the beach and water.
Local marine life includes dolphins, sea turtles, herons and pelicans. Visitors can purchase a daily fishing license, buy lures and tackle or rent equipment from shops on the pier.
If you’re unable to catch anything, don’t worry about going hungry. The pier’s shop serves sandwiches, ice cream, snacks and drinks.
10. Stroll the Okaloosa Island Boardwalk
Along the Okaloosa Island Boardwalk, you’ll find a variety of dining options, gift shops and activities. There are numerous restaurants to choose from based on your budget and appetite.
Plus, visitors can enjoy the children’s playground, splash pad and sand volleyball courts. During the summer, stick around after dark for the fireworks show on Wednesday evenings.
11. Shop local at the Downtown Fort Walton Beach Farmers Market
Support local farmers, artisans and crafters by shopping at the Downtown Fort Walton Beach Farmers Market. The market is open year-round on the second and fourth Saturdays of each month. It operates from 8 a.m. to 1 p.m., so arrive early for the best selection.
The Okaloosa Farmers Market is another option where you can buy local goods. It operates on Tuesdays, Thursdays and Saturdays from 7 a.m. to 2 p.m.
12. Go snorkeling at Stingray Bay
The Gulfarium Marine Adventure Park is a unique experience for travelers. The park offers numerous animal encounters, including dolphins, harbor seals, penguins and stingrays.
Ticket prices are $30 or less, depending on your age. Florida residents receive a discount.
One of the experiences available is to snorkel in Stingray Bay. For an additional $59, you’ll get 30 minutes to snorkel and interact with cownose rays, small sharks, groupers and numerous fish species.
13. Experience the fun at Crab Island
One of the top things to do in Fort Walton Beach is Crab Island, which takes advantage of the shallow waters and raised sandbars along the Gulf Coast.
In most places, the water is only one to four feet deep, so it’s safe even if you don’t know how to swim. Visitors will find obstacle courses, floating bars and more for fun in the sun.
Only accessible by boat, many people rent one or bring their own to visit Crab Island. Some arrive on pontoon boats so they have a place to rest and relax during the day. There are also tour and water taxi options.
While there is food available from floating food vendors and restaurants, you cannot purchase alcohol on Crab Island. You’ll have to bring your own if you want to enjoy an adult beverage.
Where is Fort Walton Beach, Florida?
Fort Walton Beach is located on the Florida panhandle, across the Choctawhatchee Bay from Destin. The city is about two hours east of Mobile, Alabama, and about an hour west of Panama City Beach, Florida.
How to get to Fort Walton Beach, Florida
Fort Walton Beach is a popular road trip destination for travelers in the South. However, the local Destin-Fort Walton Beach Airport is also an option for those who wish to fly. The airport is serviced by Allegiant Air, American Airlines, Delta Air Lines, Southwest Airlines and Sun Country Airlines.
There are numerous nonstop flights from airports across the country, including Boston, Dallas-Fort Worth, Minneapolis, Las Vegas and Washington-National.
Where to stay in Fort Walton Beach
Travelers have a variety of lodging options when booking their vacation to Fort Walton Beach. Here are a few from several major hotel chains, along with how many points are needed to book a room there in 2024.
Tru by Hilton Fort Walton Beach: Redemptions from 22,000 to 70,000 Hilton Honors points per night.
Holiday Inn Express Fort Walton Beach Central: Redemptions from 14,000 to 43,000 IHG One Rewards points per night.
Fairfield Inn & Suites Fort Walton Beach-West Destin: Redemptions from 32,000 to 48,000 Marriott Bonvoy points per night.
You can earn a large sum of points quickly by getting the sign-up bonus for new hotel and travel credit cards. Generally speaking, to earn a bonus, you need to spend a certain amount within a specific time frame after signing up for the card.
Top hotel credit cards
Marriott Bonvoy Boundless® Credit Card
on Chase’s website
Hilton Honors American Express Surpass® Card
IHG One Rewards Premier Credit Card
on Chase’s website
Annual fee
Sign-up bonus
Limited time offer! Earn 5 Free Night Awards (each night valued up to 50,000 points) after spending $5,000 on purchases in your first 3 months from account opening with the Marriott Bonvoy Boundless® Credit Card.
Earn 155,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Terms Apply.
Earn 165,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening.
Still not sure?
Once you reach that threshold, you’ll earn a bulk sum of points or miles that can be used toward award redemptions.
Other accommodations in Fort Walton Beach can be booked through Expedia, Hotels.com and Vrbo using OneKey Rewards.
Things to do in Fort Walton Beach recapped
Beach vacationers should consider visiting Fort Walton Beach in the Florida panhandle. There are many fun things to do for adults and kids alike. Learn about the city’s history, make new friends with local wildlife, go fishing and enjoy a variety of water activities.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024, including those best for:
Credit cards are handy financial tools, thanks to the credit card issuers who offer, provide, and manage them. A credit card issuer is a type of financial institution that supplies credit cards to consumers.
Read on to learn more about how these businesses operate.
What Is a Credit Card Issuer?
Credit card issuers are financial institutions responsible for making credit cards, managing the application and approval process for credit cards, and keeping credit card accounts running smoothly. If you needed to check your credit card balance, pay your bill, or request a replacement credit card, you’d turn to your credit card issuer.
Recommended: Guide to Credit Card Purchase Protection
How Credit Card Issuers Work
The financial institutions that offer credit cards can be lending institutions, banks, credit unions, or fintech companies. The cardholder borrows money from the credit card issuer each time they make a purchase, and when they pay their credit card bill, they’re paying the credit card issuer back for some or all of the credit they have used. This makes credit card issuers integral to what a credit card is.
A credit card issuer is the one to determine an applicant’s credit card interest rate and limit, the type of cardholder benefits offered, and the fee structure for the credit card. Generally, credit card issuers aren’t the ones to process merchant transactions, but they do decide whether to approve or decline a charge.
When questions about their credit card arise, account holders can call the number on the back of their credit card to connect with their credit card issuer’s customer support line.
Why Are Credit Card Issuers Important?
Understanding why credit card issuers are so important can help consumers to better manage their relationship with their credit card issuer and choose the right credit card for their needs once they’re old enough to get a credit card.
The issuer is responsible for determining a credit card’s terms and features. All credit card issuers have different policies, customer support approaches, and types of rewards offerings. Before choosing a credit card, it’s helpful to carefully research not just how a credit card works but how the credit card issuer runs its operations, in terms of fees and rates you will be subject to.
Recommended: How Do Credit Cards Work?
Common Credit Card Issuer Fees
What the fees look like for a specific credit card will vary by credit card issuer, but the following credit card issuer fees are fairly common to come across.
Annual Fees
An annual fee is a charge that’s paid once a year for having the credit card. These fees can often range from $95 to $500 or more per year. Not all cards charge this fee, but those that do tend to come with more valuable perks and rewards.
Before signing up for a credit card with an annual fee, it’s important to crunch the numbers to see if the rewards that come with using the credit card (like cash back or travel points) will outweigh the cost of the fee. Even if you get a good APR for a credit card, a high annual fee could make the offer less sweet.
Late Payment Fees
Late payment fees apply when someone is past due on paying their bill. Usually, these fees go up each time a payment is missed. The late fee won’t ever cost more than the minimum payment due on the payment the cardholder missed, but these fees can still add up. The current average fee is $32, but it may soon be lowered to $8, pending legislation.
Balance Transfer Fees
When someone transfers their credit card balance from one card to another (usually to a balance transfer card with a lower interest rate), they can potentially owe a balance transfer fee. This fee can be either a percentage of the transferred amount or a fixed fee.
While consolidating debt through a balance transfer can make it easier to pay off credit card debt, make sure to take into consideration any fees involved.
Foreign Transaction Fees
Making purchases when traveling abroad can lead to paying a foreign transaction fee, which is usually around 1% to 3% of the purchase.
However, there are plenty of credit cards — especially travel rewards credit cards — that don’t charge foreign transaction fees. If someone travels internationally often, they could save a lot by choosing a credit card with no foreign transaction fees, which is worth considering when applying for a credit card.
Credit Card Issuer vs Credit Card Payment Networks
It’s easy to confuse credit card issuers and credit card payment networks. While a credit card issuer creates and manages credit cards, a credit card payment network is the one that processes transactions between credit card companies and merchants.
Here are the key differences between credit card issuers and credit card payment networks:
Credit Card Issuer
Credit Card Payment Network
• Creates and manages credit cards
• Accepts or declines credit card applicants
• Determines fees, credit card APR, credit limits, and rewards
• Approves and declines credit card transactions
• Processes transactions between credit card companies and merchants
• Creates the digital infrastructure that facilitates credit card transactions
• Charges an interchange fee
• Determines which credit cards can be used with which merchants
Differences Between Credit Card Issuers and Co-branded Partners
A co-branded partner is a merchant that works with a credit card issuer to create a co-branded credit card with their name on it. This is a common arrangement with store, airline, and hotel credit cards.
Here’s a breakdown of how credit card issuers and co-branded partners differ:
Credit Card Issuer
Co-Branded Partner
• Responsible for creating and managing credit cards
• Decides whether to accept or decline credit card applicants
• Determines card specifics, like fees, interest rates, and rewards
• Approves and declines credit card transactions
• Works with a a credit card issuer to create a co-branded card
• Uses co-branded card created by issuer to increase sales and attract new customers
• Can use co-branded card to deliver value to loyal customers
Finding the Credit Card Issuer Number
If someone looks closely at their credit card, they’ll be able to learn a lot about their credit card issuer, including what their credit card issuer number is and how to contact their issuer.
Credit Card Issuer Phone Number
It’s always possible to learn how to contact a credit card issuer by going to their website, but cardholders also can find their card issuer’s phone number on the back of their credit card or on their monthly statements.
Credit Card Issuer Identification Number
To find a credit card issuer number, all a cardholder has to do is look at the string of numbers on a credit card. The first six to eight digits on the card represent the Bank Identification Number (BIN), or the Issuer Identification Number (IIN). This number is what identifies the credit card issuer. The following digits on the card are what identify the cardholder.
Examples of Some Major Credit Card Issuers
There are many different credit card issuers, but these are some of the biggest ones in the U.S.:
• American Express
• Bank of America
• Capital One
• Chase
• Citi
• Discover
• U.S. Bank
• Wells Fargo
The Takeaway
When you’re choosing a credit card, looking at the credit card issuer matters. This is the financial institution that creates and manages credit cards, determines a card’s fees, interest rate, and rewards offerings, and also approves (or denies) credit card applicants. Knowing that you have a well regarded issuer with fair policies is an important step in securing a credit card that suits your needs.
Whether you’re looking to build credit, apply for a new credit card, or save money with the cards you have, it’s important to understand the options that are best for you. Learn more about credit cards by exploring this credit card guide.
FAQ
How do I know my credit card issuer?
If someone is unsure of who their credit card issuer is, they can look at the credit card number on their card. The first six to eight digits on a credit card — called either the Bank Identification Number (BIN) or the Issuer Identification Number (IIN) — identify the card issuer.
What is the difference between a credit card issuer and a credit card network?
Credit card networks, unlike credit card issuers, are the party that processes the credit card transaction directly with merchants. Credit card networks have digital infrastructure that allow them to facilitate transactions between merchants and card issuers in exchange for an interchange fee.
What do credit card issuers do?
Credit card issuers create, distribute, and manage credit cards. They decide what the interest rates and fees of a credit card are, who is approved for one and how much they can spend, and how the card’s rewards structure works.
Photo credit: iStock/Luke Chan
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.
Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.
Whether you’re going on a far-flung adventure this spring or plan on sticking closer to home, the quarterly bonus categories on the Chase Freedom Flex℠ and the original Chase Freedom® give you plenty of opportunities to earn elevated rewards on everyday purchases and maybe some splurges, too. And if you have the Flex version of the card, the quarterly categories are especially rich.
Holders of the Chase Freedom Flex℠ and the Chase Freedom® earn 5% cash back on up to $1,500 in combined spending in bonus categories that change every three months. From April 1 through June 30, 2024, the bonus categories are:
Select hotel bookings.
If you have the Chase Freedom Flex℠, you may notice that a couple of those categories already earn extra cash back because of the card’s fixed bonus rewards. The quarterly bonus rates “stack” on top of those. That means Flex cardholders (but not holders of the original Freedom) can earn up to 9% back on hotels booked through Chase, and up to 7% back on dining purchases. More on that below.
To receive elevated rewards, cardholders need to activate the bonus categories online by June 14. Rewards will apply retroactively, so as long as you activate by the deadline, you’ll earn extra cash back on all eligible purchases made throughout the quarter.
Chase Freedom® and Chase Freedom Flex℠ bonus rewards categories for 2024
Q1 (Jan. 1-March 31)
Grocery stores.
Fitness clubs and gym memberships.
Self-care and spa services.
Q2 (April 1-June 30)
Select hotel bookings.
Restaurants.
Amazon.com.
Q3 (July 1-Sept. 30)
TBD (In 2023: Gas stations and electric vehicle charging; select live entertainment).
Q4 (Oct. 1-Dec. 31)
TBD (In 2023: PayPal; wholesale clubs; select charities).
Stacked rewards let Flex cardholders score big
Amazon is a mainstay bonus category for quarterly rewards, and the sheer breadth of items you can buy through the online marketplace makes it an easy way to earn extra rewards. But the other two categories — dining and select hotel bookings — have the potential to be much more valuable for Chase Freedom Flex℠ cardholders, thanks to the card’s ongoing rewards. Here’s how.
In addition to the bonus cash back cardholders can earn in rotating categories, the Chase Freedom Flex℠ also has the following “fixed” bonus categories that don’t change:
3% back at restaurants.
3% back at drugstores.
5% back on qualifying Lyft services purchased through the Lyft app (through March 31, 2025).
1% back on all other purchases.
Hotels booked through Chase already earn elevated rewards throughout the year (5% back), as do dining purchases (3% back). The quarterly bonus doesn’t replace those rewards; it “stacks” on top of them, meaning you can earn up to 9% back on hotels booked through Chase, and up to 7% back on dining purchases.
The original Chase Freedom® (which is no longer available to new applicants) has the same 5% rotating bonus calendar but does not have the fixed categories. So holders of that card will earn 5% in all of the quarterly categories.
🤓Nerdy Tip
Why 7% and 9%? When Chase awards 5% cash back in its quarterly categories, it does so using this logic: Purchases that normally get 1% cash back are now earning an additional 4% cash back — so the quarterly bonus is 4% on top of the usual rewards. So for the second quarter of 2024, restaurant spending that usually earns 3% with Chase Freedom Flex℠ earns 4% on top of that, for a total of 7%. Hotels booked through Chase usually earn 5%, so adding 4% to that gets you to 9% cash back.
Watch out for foreign transaction fees
These elevated rewards on dining and hotels booked through Chase make the Chase Freedom Flex℠ and Chase Freedom® ideal travel companions for spring and early summer trips. But if you’re traveling internationally, you might want to think twice before you whip out either card to pay for a meal or a hotel reservation.
Chase generally charges a 3% foreign transaction fee on its nontravel credit cards, which will cut into the value of any rewards you earn. The reward rates are high enough that you can still come out ahead, but you may need to do a little math first.
The information related to Chase Freedom® credit card has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card.
Wondering how to stay at hotels for free? I have stayed in many hotel rooms for free over the years by using many of these same strategies below. Finding ways to get free hotel stays is a great way to travel on a budget or simply just save money on hotels. This can allow you…
Wondering how to stay at hotels for free? I have stayed in many hotel rooms for free over the years by using many of these same strategies below.
Finding ways to get free hotel stays is a great way to travel on a budget or simply just save money on hotels. This can allow you to go on more vacations and use your money for other things in life.
Whether it’s a fancy resort or a specific hotel brand, the trick is to know where to find these opportunities and make the most of them.
Key Takeaways
Loyalty programs are a direct path to earning free hotel stays. This is because they tend to give a free night after a certain number of paid stays. You accumulate points for each stay that you can redeem for free nights.
Credit card points can be used for free hotel stays. Many credit cards partner with hotel brands to give sign-up bonuses. By meeting the minimum spending requirements, you can earn points for free hotel stays. These points can be substantial, so choose a card aligned with your preferred hotel chain.
Earning gift cards from rewards platforms can be a way to make money to put toward free hotel stays.
Best Ways To Get Free Hotel Stays
Below are ways to get free hotel stays.
Take surveys for free hotel stays
You can get free gift cards by answering paid online surveys, and you can use these gift cards to help you get a free hotel stay.
So, this would work like this – you could get free gift cards to places like Hotels.com, Marriott Hotels, Holiday Inn, or even a Visa gift card (that you can use anywhere) as a reward for answering online surveys. You then collect gift cards until you reach the amount that you need to book the hotel that you want.
To get started, you’ll want to find a survey site that you trust. Some of my favorites are:
I recommend signing up for all of them so that you can get the most surveys possible to answer, which will then pay you with more gift cards.
There are also other apps that you can use as well to get free gift cards, such as Fetch Rewards and Ibotta.
I get free gift cards all the time, and recently, I logged into several of the accounts that I am signed up for and turned in my points. This led to me getting $275 in free gift cards. I personally like to wait until I have a lot of gift cards that I can redeem all at once.
Now, this would take a decent amount of time. You won’t get a free hotel stay in one day. But if you keep doing surveys, your gift cards will add up.
Recommended reading: 16 Real Ways To Earn Free Gift Cards (Amazon, Target, Visa)
How to get free hotel stays as an influencer or blogger
As a blogger and social media influencer, I have received many hotel stays for free over the years. From luxury hotels and all-inclusive resorts in the Caribbean to RV campgrounds and more, I have partnered with many different types of accommodations over the years.
And, I know of many other people who have received free hotel rooms through this as well.
Getting free hotel stays as an influencer means partnering with hotels and showing them why you’re valuable to their brand.
This may include sharing your hotel stay on your blog, Facebook, Instagram, Twitter, YouTube, TikTok, or somewhere else that you have followers and readers.
Here’s a quick guide on how to stay at hotels for free as a social media influencer or blogger:
Assess what you can offer. Hotels are looking for exposure and new customers, so your reach and engagement rates are important. How many people will see what you share about their hotel?
Customize your content to align with the hotel’s image and key messages.
Contact hotels professionally, usually through their marketing or PR department, and highlight how your content will benefit their visibility and attract potential customers. This is typically done through email.
Be clear about expectations – what you will provide and what you expect in return. Set deliverables, such as a number of posts, stories, or a video.
You can learn how to start a blog by taking my free How To Start A Blog Course. You can join over 80,000 people who have already taken the course. In this free course, I show you how to create a blog, from the technical side to earning your first income and attracting readers.
Travel credit card rewards
If you want to learn how to stay at hotels for free, this is one of the top ways.
I have earned several free hotel stays over the years by using the rewards points I have earned from my credit cards toward my hotel room. I’ve been using rewards credit cards for years, and they are pretty much all that I use now. It helps me save money on travel, earn cash back, and more.
A rewards credit card lets you earn points, miles, or cash back that you can use for almost free travel. These cards usually give you points that you can use for things like airline miles, booking hotels, gift cards, or cash back. You earn these rewards just by using your credit card for everyday purchases like groceries, gas, and shopping. But remember, it’s important to pay off your full balance each month to make sure the rewards are worth it and avoid paying extra for interest charges.
Here’s a quick summary to help you understand how rewards credit cards work:
Choose a credit card with rewards that interest you, like points, cash back, or travel rewards.
The card may require you to spend a certain amount, for example, $3,000 in the first 90 days, to get a sign-up bonus. Some don’t have any minimum requirement, and you can simply earn points for your purchases.
Use these points for rewards like cash back, hotel stays, airfare, or other options.
You can learn more about my favorite cards at Best Rewards Credit Cards, such as the Chase Sapphire Preferred Card (Chase Ultimate Rewards Points are the best!), Chase Sapphire Reserve, Marriott Bonvoy Boundless, Hilton Honors American Express Surpass Card, and others.
I also recommend reading How To Take A 10 Day Trip To Hawaii For $22.40 – Flights & Accommodations Included.
Note: Credit card rewards and even the best travel credit cards are not worth it if you go into debt. Remember to pay off your monthly bill in time (and the full amount) before interest charges accrue. Also, many of the good rewards credit cards have an annual fee each year on your card anniversary, so take that into account as well. So, you should always be careful!
Sign up for hotel loyalty programs
Hotel rewards programs are your way to get free stays and room upgrades. When you join these programs, you can earn points for a free night’s stay, and as you climb the levels, you can get additional benefits such as getting your resort fees waived.
Programs like Marriott Hotels, IHG Rewards Club, and Hilton Honors are free to join and sometimes give you a free night after a certain number of stays or points earned.
Some examples of hotel rewards programs include:
Marriott Bonvoy – Combines former Marriott Rewards, Ritz-Carlton Rewards, and Starwood Preferred Guest programs.
IHG Rewards Club – Allows you to earn points for stays which can be used for free nights.
Hilton Honors – Provides exclusive member deals and guarantees the lowest rates when booking directly.
Many travel booking sites also have rewards programs, such as Expedia even. These programs give valuable benefits like this to get you to book through them as much as possible so that they can make more money.
You can earn points in several ways beyond just booking hotel rooms:
Stay at hotels – Every night you stay earns you more points, with the amount varying by hotel and the rate you book.
Promotions – Look out for and register for periodic promotions that have bonus points.
Partnerships – Earn points through partners, for instance, by booking car rentals or flights with associated airlines.
Your accumulated points can be redeemed for free hotel nights, among other rewards. The number of points needed for a free night certificate varies by hotel brand, location, and the room’s price.
Find mystery shopping jobs at hotels
Mystery shop companies sometimes need secret shoppers to evaluate a hotel for them. I have seen these types of jobs pop up several times, and I have personally done a few as well.
These are typically just one or two-night stays in your local area, but it can make for a fun and free staycation.
This can be a great way to vacation on a budget.
Become a travel agent if you’re traveling with a group
If you often travel with groups, becoming a travel agent can be a smart choice. As a travel agent, you get industry discounts and may earn commissions on your bookings. To become one, you need accreditation, usually from a trusted program that teaches you important industry knowledge.
Here’s how you can benefit:
Access to discounts – As a travel agent, you can unlock special rates not available to the public. When traveling with a group, this can translate into significant savings.
Earn commissions – Booking for multiple people means the potential for earning commissions from hotels increases. This can sometimes offset the cost of your own accommodation.
Though this role comes with perks, it also means handling travel details professionally and responsibly for others. It’s not just about getting free stays; it’s also about making sure that your group has great travel experiences.
Work at a hotel
Working at a hotel can be a way to get free accommodation. As an employee, you can usually get discounts or even stay for free, depending on your job and the hotel’s policy.
This may include jobs such as working the front desk, being in management, and more.
Policies vary, so it’s important to know what’s available to you and to ask about the hotel’s policy on employee stays. For example, some hotels have a set number of free nights as part of the employment package. Plus, discounts on rooms can sometimes extend to family and friends.
Attend a timeshare presentation
Going to a timeshare presentation can lead to complimentary hotel stays.
These can sometimes be brutal, though, so if you think that you may end up buying a timeshare that you don’t need – then DO NOT DO THIS! Timeshares can be quite expensive and they are lifelong with annual costs.
But, if you think you can withstand the temptation, plenty of people sign up for these in order to get a free hotel stay all the time.
Here’s how this works:
Usually, your attendance at a 90-minute to 2-hour sales pitch is required.
Be prepared for high-pressure sales tactics, but remember you’re under no obligation to buy.
Incentives can range from free hotel stays, discounted travel, or even gift cards.
Make sure you understand the terms and conditions attached to the free stay.
If interested, consider the timeshare offer carefully. If not, politely decline and redeem your free stay or other perks.
Hotel promotions and deals
You can stretch your travel budget by taking advantage of different hotel promotions and deals to get the best room rates. Whether you travel often or are planning a one-time trip, there are several strategies you can use to get free hotel stays.
When you sign up for newsletters from your favorite hotel chains, you’ll receive emails on new promotions and deals (such as for seasonal sales on room rates) directly to your inbox. Some hotels might even offer a reward night, room upgrades, or welcome points just for joining at check-in.
Scan your grocery receipts for free hotel gift cards
Using grocery receipt scanning apps can be an easy way to earn free hotel stay rewards.
As you do your regular grocery shopping at grocery stores, these apps turn your grocery receipts into points, which can be exchanged for gift cards that can be used at different hotels.
Here’s how you can get started:
Download receipt scanning apps – Look for apps like Fetch Rewards (this is my favorite and the one that I use for every single one of my grocery receipts) that are known to offer hotel gift cards as a redemption option.
Scan your receipts – Every time you shop, take a second to scan your receipts using the app.
Earn points – Get points with every scanned receipt.
Redeem for hotel gift cards – Once you’ve earned enough points, browse the app’s reward section for hotel gift card options. Select your preferred hotel chain and redeem your points. With Fetch Rewards, you can get gift cards to places such as Airbnb, Hotels.com, Visa, and more.
While it will take some time to earn enough points, it can be a way to save some money on a hotel reservation.
Frequently Asked Questions
Below are answers to common questions about how to stay at hotels for free.
Is it possible to get a free night at a hotel?
Yes, you may be able to get a free night at a hotel through loyalty programs, which reward you with points for free night awards that can be redeemed for free nights. Additionally, some programs may give a free night after a certain number of paid stays or as a sign-up bonus.
How to get a hotel room for free?
You may get a free hotel room through loyalty programs, credit card rewards, by earning free hotel gift cards, and more.
How can I earn free hotel stays through surveys?
You can earn points by joining market research and filling out surveys on specific websites. These points might be traded for hotel rewards points, allowing you to book hotel stays for free.
Are there contests or sweepstakes that offer chances to win a stay at a hotel?
Yes, contests and sweepstakes run by hotels, travel bloggers, or travel websites tend to have hotel stays as prizes. You can start by possibly searching related hashtags on social media, such as #giveaway.
How can I travel luxury for free?
Traveling in luxury for free can be done by maximizing credit card sign-up bonuses and rewards, leveraging elite status with hotel loyalty programs for upgrades, and possibly collaborating with luxury hotels as an influencer if you have a strong online following.
How to get a free hotel room by complaining?
If you honestly had a bad stay at a hotel, you may be able to talk to management. Sometimes, they will give you a free hotel stay to make up for the bad review. But, you should never lie about a stay just to get a free room, as you can cost someone their job.
How To Stay at Hotels for Free – Summary
I hope you enjoyed this article on how to stay at hotels for free.
There are many ways to get free hotel stays, as you learned above.
Joining hotel loyalty programs at major hotel chains is a simple way to get free night rewards. These programs give you points for staying often, and you can use these points for free hotel nights.
Travel credit cards and hotel credit cards also give rewards that can be used for hotel stays.
If you’re an influencer or booking for a group, this may result in you getting a hotel stay for free. Other ways, like joining hotel promotions, being a mystery shopper, or attending timeshare presentations, can also get you free or cheaper stays at different places.
I have personally done many of the ways listed above to get free hotel stays at places in many states and countries. The stays have been great and have allowed me to save so much money over the years!